Updated October 13, 2026 · VaultCue Editorial Team
GoPay vs ZA Bank
GoPay
ZA Bank
Higher score in this comparison
What sets them apart
| Compare | GoPayReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Currencies | 9 | 11Higher |
| Transfer fee | Free 100 bank transfers/month; international transfer admin fee from Rp20.000 | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
| Monthly fee | Not confirmed | HK$0 |
| Free ATM withdrawals | Not confirmed | HK$0 |
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Key differences
- Founded is lower at GoPay: 2016 vs 2020.
- Currencies is higher at ZA Bank: 11 vs 9.
- Support channels: only ZA Bank offers Chat.
- Audience: only GoPay offers Teen.
- Audience: only ZA Bank offers Travelers, Business.
Our verdict on each
GoPay
GoPay takes a different path from a standard high street everyday account by keeping the focus on routine money management in one place. It is an everyday account for customers who want straightforward daily handling and who prefer to check coverage before choosing.
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 | GoPay | ZA Bank |
|---|---|---|
| Cost | Not confirmed | 9.3Monthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 9.3Higher | 8.9An easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 8.4Higher | 8.1 |
How they place
| Ranking | GoPay | ZA Bank |
|---|---|---|
| Multi-currency accounts | 296 of 348 | 226 of 348 |
Every fact side by side
| Fact | GoPay | ZA Bank |
|---|---|---|
| Audience | Teen | Travelers, Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only |
| Legal entity | PT Dompet Anak Bangsa | ZA Bank Limited |
| Headquarters | Indonesia | Hong Kong |
| Founded | 2016Lower | 2020 |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Money transfer
| Fact | GoPay | ZA Bank |
|---|---|---|
| Delivery time | Instant for domestic transfers; about 15 minutes for international transfers to Singapore | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | IDR 0 | Not confirmed |
Where each stands against the rest
| Fact | GoPay | ZA Bank | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | HK$0at the median | HK$0 |
| Currencies | 9above the median | 11above the median | 5 |
Median across 536 listed accounts.
Pros and cons
GoPay
Pros
- Everyday account setup shaped around routine payments and regular money handling
- Clear account structure that helps customers review functions with confidence
- Practical option for customers wanting organised daily account activity
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
GoPay
Who it suits
- Customers seeking simple daily account handling
- Customers reviewing routine account coverage with care
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 | GoPay | ZA Bank |
|---|---|---|
| Hong Kong | No | Yes |
| Indonesia | Yes | No |
Questions about each
GoPay
What does GoPay offer for everyday use?+
GoPay provides an everyday account for routine money handling and regular payments. Customers can use it to organise daily activity in one account setting. Customers should review the functions and coverage to confirm fit for daily needs.
Which customers does GoPay suit most?+
GoPay suits customers who want straightforward handling for daily payments and balances. It fits those who prefer a simple structure for regular routines. Customers should check that the coverage aligns with their usual needs.
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
GoPay
ZA Bank