Ant Bank vs ZA Bank: what each publishes
As of October 17, 2026, ZA Bank takes these industries by its own published rules: Crypto, with conditions. We hold no such rule from Ant Bank.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Ant Bank | ZA Bank |
|---|---|---|
| Crypto | No published rule | With conditions |
| iGaming | No published rule | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No published rule | No published rule |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
Ant Bank
No published rule
ZA Bank
No published rule
Rules about countries
Ant Bank
No published rule
ZA Bank
No published rule
Fees
Ant Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| SME Business Account | Free (application fee waived) | No monthly service fee (waived) | · Source |
ZA Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Banking | HKD 0 account opening fee | HKD 1,500 for 12 months, prepaid | · Source |
| Through a relationship manager | From HKD 11,000, charged if the account is opened | Not stated | · Source |
Closing an account
Ant Bank
Unless otherwise specified under the Business Client Documentation, we may notify you of the termination or cancellation of the Business Client Documentation, and of any or all of your Account(s) with not less than thirty (30) days’ prior notice.
ZA Bank
We may suspend or terminate all or any part of an Account or the Services, with or without giving you any reason, by giving not less than 30 days’ prior written notice
Licence
| Licensee | Ant Bank | ZA Bank |
|---|---|---|
| Licensee | Ant Bank (Hong Kong) Limited · licensed bank authorised by the HKMA | ZA Bank Ltd · virtual bank licensed by the HKMA (2019) · SFC Type 1 licence |
| Regulator | HKMA · | HKMA · |