💰 Best Rate Guaranteed

📅 Promotion Period: September 29, 2025 – November 30, 2025

During the Promotion Period, if an Eligible Customer successfully converts HKD100,000 or above to an Eligible Foreign Currency1 in a single transaction through the “Foreign Exchange” function via the WeLab Bank App and find a Third-Party FX Quote2 under which the Eligible Customer could have used less HKD to buy the same amount of Eligible Foreign Currency within 5 minutes of completing the Eligible FX Transaction, WeLab Bank will rebate the difference between the sell-HKD amount of the Eligible FX Transaction and the sell-HKD amount of the Third-Party FX Quote.

💵 How to Claim Your Rebate

Send an email to [email protected] from an email address registered with WeLab Bank to submit a claim to WeLab Bank within 24 hours after completing the Eligible FX Transaction, and provide the basic information of the Eligible FX Transaction and the Third-Party FX Quote, and the email must include:

1. The reference number of the Eligible FX Transaction conducted at WeLab Bank, which can be found on the transaction completion page or in the transaction details;

2. Name of the third-party bank;

3. Date and time of the Third-Party FX Quote, which shows that the Eligible Customer finds the quote within 5 minutes after completing the Eligible FX Transaction;

4. HKD-sell amount and Eligible-Foreign-Currency-buy amount of the Third-Party FX Quote, including all applicable fees and other costs (calculated based on HKD), and such Eligible-Foreign-Currency-buy amount should be identical to the Eligible-Foreign-Currency-buy amount of the Eligible FX Transaction; and

5. Mobile app or online banking screenshot of the Third-Party FX Quote, which should show the details of the Third-Party FX Quote set out in paragraphs (3) and (4) above (quote date can be skipped, but the time of the Third-Party FX Quote and/or the system time of the Eligible Customer’s mobile device or computer should be displayed).

🤖 Compare the best exchange rates with AI³!

We know you want to have the best exchange rates for buying foreign currencies, but comparing rates between banks can be challenging. We use AI (Artificial Intelligence)3 to help you identify the best rates and save the most.

Check out the rates
Exchange with the best rate now!

Download our app and experience banking built for our century.

QR code
downloading appsdownloading apps
downloading appsdownloading apps
Want to know more? We’ve got answers!
What is the currency trading hour?

The foreign exchange services are available 24 hours from Monday to Sunday.

Learn more
Remarks

Terms and Conditions apply, please click here for promotion details.

  1. “Eligible Foreign Currencies” include US Dollar (“USD”), Renminbi (“CNY”), Australian Dollar (“AUD”), Canadian Dollar (“CAD”), Swiss Franc (“CHF”), Euro (“EUR”), Sterling Pound (“GBP”), Japanese Yen (“JPY”), New Zealand Dollar (“NZD”) and Singapore Dollar (“SGD”).
  2. “Third-Party FX Quote” refers to exchange rates (including but not limited to any fees charged by the bank for the FX transaction) quoted by a licensed retail bank in Hong Kong via its mobile app or online banking, but does not include any special promotions, discounts, offers, membership programs or other preferential rates (including but not limited to volume discounts), and the Eligible Customer could have used less HKD to buy the same amount of Eligible Foreign Currency under such exchange rate.
  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. The information is for reference only, and the exchange rates are rounded off to 4 decimal places (5 decimal places for JPY). Exchange rates fluctuate according to market conditions. Exchange rates may vary upon conducting actual transactions.
  4. Each Eligible Customer can only enjoy the rebate for one Eligible FX Transaction every 12 calendar months (based on the transaction date of the Eligible FX Transaction). The maximum Rebate Amount is HKD 100.
  5. 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 3:30 pm on 24 September 2025. 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.
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. 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.