* The above cash rewards include time deposit interest rebates and fund trading cash rewards. For example, if a new customer simultaneously opens two 1month HKD GoSave 2.0 time deposits at an annual interest rate of 4%, with principal amounts of HKD 80,000 and HKD 200,000 respectively, the interest will be calculated as follows: (HKD 80,000 × 4% ÷ 365 × 30) + (HKD 200,000 × 4% ÷ 365 × 30) = HKD 920.55 (rounded to the nearest cent). The maximum interest rebate a new customer may receive is HKD 920.55. For fund trading cash rewards, customers may enjoy up to HKD 4,000 in cash rewards based on their total accumulated qualifying fund transactions. The “WeLab Bank Double Welcome Offer” is subject to terms and conditions. For details, please click here.

1. The best rates in town comparison is based on the exchange rates collected from the websites, online banking or mobile banking of 28 retail banks in Hong Kong (excluding those which do not publish FX rates via the aforementioned channels) as of approximately 2:15 pm on 23 January 2026. Those 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. Terms and Conditions apply, please click here for promotion details.

2. Bank's cost price means that the FX rate is based on WeLab Bank’s cost price, with no markup added when customers exchange foreign currency using HKD at WeLab Bank.

Handling fee refers to the waiver of foreign exchange transaction fees.

3. Overseas spending may be settled either in the local currency of the country/region where the transaction takes place or in Hong Kong Dollar: (A) For transaction settled in the local currency, (i) foreign currency transaction fee waiver will apply if the transaction is settled in any of the 10 eligible foreign currencies (including Japanese Yen, US Dollar, Renminbi, Australian Dollar, Sterling Pound, Euro, Singapore Dollar, Canadian Dollar, Swiss Franc and New Zealand Dollar), and (ii) if a foreign currency exchange is required to complete the transaction, the exchange will be carried out at our prevailing exchange rate, and no foreign currency exchange handling fee will be charged. (B) For transaction settled in Hong Kong Dollar, the transaction will not be treated as a foreign currency transaction and will be subject to the exchange rate, fees, and charges determined by the merchant bank, rather than by us. 

4. From 1 April 2026 to 10 May 2026, Eligible Cardholders who make Eligible Spending Transactions with their WeLab Global Wallet Debit Card can enjoy a cash rebate of up to 0.2% for domestic spending and up to 3% for overseas spending. The cash rebate will be automatically credited to the Core Account on or before 31 May 2026. Each Eligible Spending Transaction is subject to a maximum rebate of HKD 50 or its equivalent value. The offer is subject to terms and conditions; please refer to the details here.

5. The "Swipe · Earn · Win" Easter Lucky Draw" campaign is subject to terms and conditions, please click here for promotion details.

6. During the promotional period, log in to Trip.com Hong Kong website or mobile application to become a member, book selected products totaling a specified amount using your WeLab Global Wallet debit card, and enter the designated promo code at checkout to enjoy a discount of up to HKD 500. Limited availability, first-come, first-served. Terms and conditions apply, please refer to the official website for details: https://bit.ly/4qfts42

Note: Dynamic Currency Conversion (DCC) may occur when withdrawing cash overseas, making online or overseas transactions. If you see an exchange rate displayed or are offered an option to convert Hong Kong dollars into foreign currency or settle in Hong Kong dollars, such withdrawals or purchases are considered DCC and may involve higher fees. WeLab Bank shall not be responsible for any charges or fees imposed by merchants in relation to such transactions.

Disclaimer: 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.