1. United States：Cannot apply，Can use，ZA Card is issued through eligible ZA Bank accounts in Hong Kong, so U.S. residency alone does not qualify for issuance, while an existing card held by an eligible ZA Bank customer can be used in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents are outside ZA Bank’s current personal account-opening routes, which focus on qualifying Hong Kong residents and eligible Mainland China visitors in Hong Kong, while an existing ZA Card can be used in the UK.
3. Canada：Cannot apply，Can use，Canadian residency does not meet ZA Bank’s current account-opening eligibility, but a ZA Card already issued to an eligible customer supports overseas spending in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot obtain ZA Card on the basis of Australian residence because issuance depends on an eligible ZA Bank account in Hong Kong, while existing cardholders can use the card in Australia.
5. South Africa：Cannot apply，Can use，South African residents fall outside ZA Bank’s current personal onboarding routes, but a lawfully issued ZA Card can still be used for overseas spending in South Africa.
6. New Zealand：Cannot apply，Can use，New Zealand residency is not an eligible basis for opening the ZA Bank account required for ZA Card, while existing eligible cardholders can use the card in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents are outside ZA Bank’s current account-opening eligibility unless they separately qualify through its Hong Kong routes, while an existing ZA Card can be used in Ireland.
