[Exchange Rate Comparison] How Does WeLab Bank Use AI to Help You Save More?

AI is everywhere—from Google Maps using AI to plan the fastest route¹, to Spotify analyzing your music preferences², and even your daily smartphone already integrates AI technology. But have you ever thought about AI being part of your bank account?Looking for the bank with the lowest exchange rate? No need to check each bank manually or rely on comparison platforms. WeLab Bank’s AI Exchange Rate Comparison³ feature compares major local banks to help you find the best rate! Just download the WeLab Bank App to easily discover the lowest exchange rates. Don’t have a WeLab Bank account yet? You can open one in just 5 minutes⁴ and start buying foreign currency at the best price!

What’s Special About WeLab Bank’s “AI Exchange Rate Leaderboard³”?

Finding the lowest exchange rate while comparing rates across banks quickly isn’t easy. Traditionally, you’d check each bank one by one or use online comparison sites—but those might not be updated in real time or only show estimated rates or average market prices. That could lead to a mismatch between expected and actual rates when you exchange currency.With AI, WeLab Bank’s AI Exchange Rate Leaderboard³ makes it easy to find the lowest rate and save more! Just two simple steps:

Step 1: Choose the currency you want to exchange

The app supports exchange services for 10 major currencies, including USD, CNY, AUD, CAD, CHF, EUR, GBP, JPY, NZD, and SGD—giving you flexibility anytime, anywhere.

Step 2: View other banks’ exchange rates at a glance

Using AI to obtain exchange rate data from other banks and displays it in a leaderboard format, clearly showing how each bank compares—saving you time and helping you avoid missing the best rate! WLB Blog_AI Function_Table1 EN.png

The screen displays and the images of the website are for illustrative purpose only.👉 Learn more about the AI leaderboard!

Want to Exchange Foreign Currency at the Lowest Cost? WeLab Bank’s “Best Rate Guarantee⁵” Has You Covered!

The biggest concern when exchanging currency is overpaying—especially for large transactions, where even a small rate difference can cost you hundreds!Example: Exchanging HKD 100,000 to CNY

S Bank’s selling rate: 1.1006 ➡️ You get approx. RMB 90,859.53
WeLab Bank’s selling rate: 1.0936➡️You get approx. RMB 91,440.93

Difference: RMB 581.40, meaning you save up to HKD 638.80⁶ by using WeLab Bank!

✅ With the Best Rate Guarantee⁵, you save even more!

From now until November 30, 2025, eligible customers who exchange HKD 100,000 or more in a single transaction via the WeLab Bank App’s “Foreign Exchange” feature can enjoy this offer: If within 5 minutes after the transaction, you find a third-party bank offering a better rate (i.e., less HKD for the same amount of foreign currency), WeLab Bank will refund the difference—ensuring you get the best rate on the market!👉 Learn more about Best Rate Guarantee!

How Important Is Real-Time Exchange Rate? WeLab Bank Updates Every 50 Seconds + 24/7 FX Trading

Exchange rates fluctuate rapidly—just a few minutes can impact your cost.With just one app, you can enjoy:

Real-time rate comparison: Instantly see other banks’ rates and pick the best deal
Rates updated every 50 seconds: Ensures you’re trading with the latest rates
High transparency: The app will show the rate used and how much you saved compared to the highest-rate bank
24/7 FX trading: Currency exchange available 24/7, Monday to Sunday—flexible and convenient
Instant deposit: Foreign currency is credited to your account immediately after the transaction

The screen displays and the images of the website are for illustrative purpose only.“AI Real-Time Exchange Rate Comparison³” + “Best Rate Guarantee⁵” give you a faster, more cost-effective currency exchange experience! Whether you're planning a trip, shopping online overseas, or managing investments, WeLab Bank is your most convenient and best-value choice.👉 Download the WeLab Bank App now, let AI find the best exchange rate for you, and open your account in just 5 minutes⁴ to get started!

Remarks:(1) Source: U Travel, “Google Maps全新5大地圖功能！旅遊更方便！引入AI/駕駛導航新功能/行程規劃” (November 12, 2024)
(2) Source: DigiKnow, “揭秘 Spotify 的 AI 策略！Spotify 是如何讓你每週都驚喜不斷？” (January 2, 2025)(3) We collect the exchange rates from the websites or apps of the banks set out above using AI (Artificial Intelligence) and determine the best exchange rate for each currency among those banks. These exchange rates do not include any special promotions, discounts, offers, membership programs or other preferential rates (including but not limited to volume discounts), but include any fees charged by any banks when conducting the FX transactions, to facilitate the comparison. Exchange rates fluctuate according to market conditions. Exchange rates may vary upon conducting actual transactions.(4) Account opening time may vary depending on network conditions, mobile device, and required documents.(5) For “FX Best Rate Guarantee”, terms and conditions apply, please refer here for details: https://welab.app.link/40fTs7hE4Wb(6) Maximum savings amount is calculated based on the differences in exchange rates between WeLab Bank and Bank S as of 9:58 AM on October 28, 2025. For example, customers who choose WeLab Bank for converting HKD 100,000 to RMB can save approximately HKD 638.80. Actual exchange rates and interest rates may vary due to market fluctuations. Please refer to the rates and interest displayed in the WeLab Bank App on the transaction day.Disclaimer: The content is for information only. Currency exchange involves risks. Foreign exchange markets are subject to unpredictable fluctuations. If you choose to convert your HKD or foreign currency deposit to other currencies, such foreign exchange transactions will be subject to risk arising from exchange rates fluctuation. As a result, you may suffer losses. The information above is not and does not constitute or form part of any offer, recommendation, invitation or solicitation to subscribe to or to enter into any transaction.