One card to rule them all

Introducing WeLab Debit Card: One (very shiny) card for all your shopping and cash needs. Manage your spending directly through your app. Use your card anywhere around the world that accepts Mastercard and get your money at any JETCO and Cirrus^ ATMs across Hong Kong.

^ Service charges may apply

debit card

Virtual Debit Card instantly ready

Your new WeLab Bank account comes with an integrated virtual debit card that you can use immediately with your favorite online merchants – even before your physical card arrives!

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Good lookin’ technology

A numberless card design prevents others from using your card number, CVV or expiry date without your permission. Want to shop online? Get all your card details securely from your app and spend with peace of mind. Flaunt off that fancy shimmer without worrying about having your card credentials compromised.

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Now supporting Apple Pay contactless payment

Add your WeLab Debit Card to Apple Pay – start shopping and earning rewards with your mobile device by making fast and secure payments!

Terms and conditions
Get full control over your spending with Insights

"Insights" helps you to analyse your monthly spending with consumption stats available at a glance. Get inspired to optimise your financial planning by comparing your spending behaviour with “People like you”!

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How to add your WeLab Debit Card to Apple Pay?​
Step 1

Open the WeLab Bank app on your Apple device.​

Step 2

Go to “Debit Card”, click on the “Add to Apple Wallet” button and follow the simple instructions. Alternatively, open the "Wallet app" on your device and tap the “+” symbol to start.​

Step 3

Once you’ve completed the on-screen instructions, you’re all set! Remember to add money to your WeLab Bank account to use your card!

Apple, the Apple Logo, Apple Pay, iPhone, iPad and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries / regions. ​

Get your WeLab Debit Card

Download our app and experience banking built for our century.

Want to know more? We’ve got answers!

Here are some commonly asked questions about the WeLab Debit Card

What's so special about a WeLab Debit Card?

Our WeLab Debit Card combines the best of both worlds: an ATM card and a Mastercard-branded bank card. With just one card in your wallet, you can access your money at any JETCO and CIRRUS ATM within Hong Kong (service fees may apply). You can also use it for purchases at any merchant/location that accepts Mastercard. All your transactions will be deducted / debited from your available balance in your Core Account; that way, you'll never spend more than you have!

Goodbye overspending, hello healthy budgeting👋!

What is the difference between the virtual card and physical card?

A virtual Debit Card is just the same as any other regular debit card, only that it's virtual! You can use it to pay for online transactions through the Mastercard network.

You will be issued a virtual Debit Card as soon as your account is opened, so that you can start using your card immediately. You can also request for physical Debit Card that you can use to make card-present transactions in store locations, which will delivered to you around 5-7 business days after your request has been made.

Do I need to activate my physical Debit Card?

Yes! For security reasons, the physical Debit Card you received is not usable until you have used our app to activate it.

Activate your physical card by logging into the app and go to "Card" > "Activate physical card", then scan the QR code located on the back of your card. Set your card PIN and voila! Your new card should be activated and you can start spending!

How do I connect my WeLab Debit Card to Apple Pay?

You can add your WeLab Debit Card to Apple Pay in two ways:

  1. Via your WeLab Bank app – login to your WeLab Bank app > click on “Debit Card” > click on the “Add to Apple Wallet” button underneath your virtual card, and follow the instructions
  2. Via Apple’s Wallet app – you can manually input your card details

Tip: You can add your WeLab Debit Card to Apple Pay and start making payments before you receive your physical card!

How many Apple devices can I add my WeLab Debit Card to?

You can add your WeLab Debit Card to as many Apple devices as you wish (such as your iPhone, Apple Watch, iPad, Mac), as long as they support Apple Pay. You may refer to Apple’s website for more information about device compatibility: Click HERE.

Will I receive notifications for transactions made via Apple Pay?

Yes, you will receive notifications from both your Wallet app and from WeLab Bank. Remember to check your transaction details carefully and let us know immediately if you did not authorize them, or if there are any issues.

Are transactions made through Apple Pay eligible for WeLab Bank’s rewards on offer?

Yes! Subject to each promotion’s own terms and conditions, transactions made with your WeLab Debit Card via Apple Pay will earn you the same rewards as those made via your physical or virtual WeLab Debit Card.

What happens if I’ve lost my physical Debit Card that’s also connected to Apple Pay?

Don't panic, we've got your back! If you can't find your physical Debit Card, you can tap “Debit Card” > "Lost card" to get a new replacement.

Once we've received your lost card request, we will disable your existing card credentials to prevent any fraud attempts. For security, we will also issue a new virtual card with a new card number and CVV, which you can use immediately, while a new physical card with your new card details will be sent to your mailing address.

If you’ve connected your old card to Apple Pay, remember to update your card details by

(i) removing your old card from your Wallet and

(ii) adding your new card, either through the WeLab Bank app or directly in Apple Wallet.

Subject to WeLab Bank’s Account Terms, your maximum liability for WeLab Debit Card loss should not exceed HKD 500 if you have not acted fraudulently, with gross negligence or have not otherwise failed to inform WeLab Bank as soon as reasonably practical after discovering the card has been lost or stolen.

I’ve lost my Apple Pay device. What should I do?

If you’ve lost your phone, please contact our Customer Services at (852) 3898 6988 as soon as possible so we can suspend your bank account and card for you. Once suspended, your bank account will be unavailable, and your card cannot be used for any device that it’s been connected to, whether that’s your virtual card, physical card, or via Apple Pay.

Tip: You can also mark your phone as lost via iCloud. Once locked, Apple Pay will be disabled on it, and your WeLab Debit Card will not be usable until its status has been reverted.

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