Please enter the profile at the bottom of the right corner, then press “About” to enter the “Security Tips” page and select “Delete Member Account”, or call the customer service at 2531 0333 during office hours.
After 90 days of the user deleting their account, in order to protect the user’s privacy and security, we will destroy the user information in accordance with the company’s security policy to ensure that the user information is no longer used or accessed.
X Wallet is a mobile app developed by Zero Finance, which provides a true automated money lending experience without the need of any human processing elements or interruption, making it the first to break the traditional lending method offered by other lenders in Hong Kong.
Without requiring the user to provide income proof, the loan is approved using big data analytics and machine learning technology based on only the HKID information provided by the applicant during the 3 easy steps application process. The approval result will take only 5 seconds. The fund will be processed automatically using Faster Payment System(FPS) and instantly deposited into your chosen bank account. Your application status is shown through the mobile app and you’ll be notified once your loan is approved. Apply now and get your cash as fast as 20 minutes.
X Wallet emphasizes on a fully loan automation system which has never been done before. Nowadays, traditional lending is no longer capable of representing the era of technology advancement as it cannot fulfill the needs of new generation of users. Thus, the establishments of X Wallet can completely meet the borrowing habits and needs of customers.
First, users are free from time and location barriers as the whole process could be completed through mobile app.
Second, zero manual intervention operation is adopted which enables users to actively check their account and transactions to ensure the largest transparency and flexibility to users.
Please make sure that the network on your mobile phone is turned on and functioning properly, or else try resetting your password. If you still have trouble signing in, please email us at firstname.lastname@example.org for assistance.
If you suspect any abnormal activities with your account, please contact our customer service immediately at 2531 0333 or email us at email@example.com. We can work with you to help you resolve the problem.
The approval process is simple:
1. Download X Wallet mobile app. (Add iTunes link and android link)
2. Register as a member
3. Tap Apply for X Wallet to start the application process
During the application process:
1. Capture your HKID card
2. Capture your bank account information
3. Answer a few questions
4. Authenticating your identity
Upon successful approval, a SMS confirmation and electronic contract will be sent to you. After accepting the contract, your money will be transferred automatically with FPS to your chosen bank account.
You can borrow as little as $1000 depends on the circumstances of individual cases. The shortest repayment period starts from 61 days and the longest is 48 months.
*Only applicable to some existing refinance customers
Yes. X Wallet uses machine learning system to conduct financial analysis and loan approval process based on the information you have provided. For enquiries, please contact our Customer Service Hotline at 2531 0333.
After the verification process is complete and once the loan contract is confirmed, the fund will be processed automatically using Faster Payment System (FPS) and instantly deposited into your chosen bank account.
You may edit your information through X Wallet mobile app before submitting your application, including personal information and account information. Yet, no changes are allowed upon the agreement is established.
Information editing would only be done by our staff. If you want to edit the information such as loan amount, repayment period, or other personal information, please contact our Customer Services Hotline at 2531 0333.
X Wallet is a zero manual intervention loan application using machine learning technology to approve a loan, therefore, application approval and the amount you can borrow will be determined by the system itself.
X Wallet provides the following two repayment methods, you can use either method to repay:
I. 7-Eleven Convenience Store
Please bring the repayment QR code of X Wallet to any 7-Eleven Convenience Store in Hong Kong for cash repayment. Each payment at 7-Eleven convenience store is capped at HK$5,000, while there is no limitation on the number of transactions. Separated transactions will be needed for the payment over HK$5,000. Repayment record will be updated on the next business day (Public Holidays, Saturdays and Sundays are not considered as business days). Whilst one more business day will be needed for the transactions completed after 5pm. Please keep the payment receipt for record. Please check if the merchant name, payment number, payment amount, payment date and payment time on the receipt are correct.
Please use the mobile app of the payable bank to scan FPS QR code in X Wallet Mobile App for payment. The repayment record will be updated on the next business day before 12pm (Public Holidays, Saturdays and Sundays are not considered as business days). Please keep the repayment record for verification purpose. Before processing the repayment, please confirm the merchant name and payment amount. Any repayment which is not proceeded through the designated QR code might incur extra interest due to the delay in updating repayment record.
If you choose to unsubscribe from text messages, please contact us at 2531 0333. For email unsubscribe, please send your request by email to firstname.lastname@example.org with provision of your email address.