Updated September 29, 2026 · VaultCue Editorial Team
Daviplata vs ZA Bank
Daviplata
Higher score in this comparison
ZA Bank
What sets them apart
| Compare | DaviplataReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | HK$0 |
| Currencies | 2 | 11Higher |
| Free ATM withdrawals | COP 0 | HK$0 |
| Transfer fee | COP 0 for consumer transfers; up to COP 3,170 + IVA per transfer for business transfers via Portal Empresarial and Pyme | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
| Currency conversion fee | 0% | Not confirmed |
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Key differences
- Daviplata scores higher overall: 9.1 vs 8.7.
- Currencies is higher at ZA Bank: 11 vs 2.
- Support channels: only ZA Bank offers Email, Phone, Chat.
- Audience: only Daviplata offers Expats.
- Audience: only ZA Bank offers Travelers.
Our verdict on each
Daviplata
Daviplata suits expats and small businesses in Colombia who want one app for everyday banking and remittances, with a monthly fee of COP 0 and a currency conversion fee of 0%. Transfers land immediate, within minutes, and money comes out to a bank account, cash pickup or wallet.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Daviplata | ZA Bank |
|---|---|---|
| Cost | 9.6HigherLow cost: COP 0 monthly, 0% currency conversion fee, COP 0 on a consumer transfer. | 9.3Monthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 8.3 | 8.9HigherAn easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | Not confirmed | 8.1 |
How they place
| Ranking | Daviplata | ZA Bank |
|---|---|---|
| Business bank accounts | 99 of 563 | 238 of 563 |
| Online banks | 71 of 402 | 181 of 402 |
Where each is licensed and available
Additional countries for Daviplata: 1. Additional countries for ZA Bank: 1.
Choosing between them
Pick Daviplata if cost matter most.
Pick ZA Bank if offer and currencies matter most.
Every fact side by side
| Fact | Daviplata | ZA Bank |
|---|---|---|
| Audience | Expats, Business | Travelers, Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only, Free ATM | Free ATM, Digital only |
| Legal entity | Banco Davivienda S.A. | ZA Bank Limited |
| Headquarters | Colombia | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Help centre | Email, Phone, Chat, Help centreCovers more |
Money transfer
| Fact | Daviplata | ZA Bank |
|---|---|---|
| Delivery time | immediate, within minutes | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | COP 0 | Not confirmed |
Where each stands against the rest
| Fact | Daviplata | ZA Bank | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | 2lowest quarter | 11above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Daviplata
Pros
- The monthly fee is COP 0, and consumer transfers cost nothing.
- A currency conversion fee of 0%, the lowest of the 312 brands compared.
- Remittances arrive immediate, within minutes, and payouts reach a bank account, cash pickup or wallet.
Cons
- Support runs on help centre only.
- Only 2 currencies are covered, so anyone trading in more may look at Skrill or Plazo ES.
- Business transfers through Portal Empresarial and Pyme carry a fee per transfer plus IVA, unlike consumer transfers at COP 0.
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
Who each suits
Daviplata
Who it suits
- Expats in Colombia who want a local account and a remittance wallet in the same app.
- Small businesses that pay and receive through consumer and business transfer routes.
- Readers who want free ATM access and no monthly charge, since the account fee is COP 0.
Who should look elsewhere
- Plazo ES, if you are paid in euros: its monthly fee is €0, and the 2 currencies Daviplata holds may not match your income.
- PayPal Colombia, if a wallet is enough: its monthly fee is $0, while Daviplata adds a bank account and free ATM withdrawals.
- Skrill, if you hold more currencies than the 2 Daviplata covers; its monthly fee is €0, so currency range is the only reason to move.
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
Current offers
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Daviplata | ZA Bank |
|---|---|---|
| Colombia | Yes | No |
| Hong Kong | No | Yes |
Questions about each
Daviplata
What does it cost to keep a Daviplata account?+
The monthly fee is COP 0, so keeping the account open costs nothing. Consumer transfers are free on the same schedule. Charges appear on the business side: transfers made through Portal Empresarial and Pyme carry a fee per transfer plus IVA, which is the line to read if you pay suppliers through the app.
Does Daviplata charge for currency conversion?+
The currency conversion fee is 0%, the lowest of the 312 brands compared on that measure. It matters most for expats who receive or hold money in another currency. The account covers 2 currencies, so pairs outside that list need another route.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
Daviplata
ZA Bank