Best FX Rates in Town¹! AI finds the best deal for you!
Looking for the best rate in town? WeLab Bank has you covered! Enjoy 0% Spread2 and $0 handling fee3 when exchanging HKD for foreign currencies, plus our AI compares rates for you and guarantees the lowest rate in town4! We offer the best value for exchanging and remitting money!
📅 Promotion Period: Jan 1– Feb 28, 2026 (inclusive)
💴Reward: During the Promotion Period, Eligible customers who successfully exchange Eligible Foreign Currency equivalent in a single transaction of HKD 20,000 or above will receive a cash rebate of HKD 50*.
✅ Eligible customers refer to those who have not conducted any foreign exchange transactions through the “Foreign exchange” function in the WeLab Bank App between 1 June 2025 and 31 December 2025.
⚠️ Limited quota, first come, first served!
With just your WeLab Global Wallet Debit Card💳 in hand, you can explore the world with ease🌍✈️!
See how much WeLab Bank can help you save!💰
Want to exchange foreign currencies anytime but skip the hassle of comparison? Let WeLab Bank’s AI check the best rate for you⁵! With 10 major currencies available, we give you the lowest rate in town¹. Money saved, time saved!
We use our bank’s cost price as FX rates. When exchanging HKD to foreign currency, there is no mark-up, just the best deal in town¹!
Customer successfully converts HKD100,000 or above to an Eligible Foreign Currency⁶ in a single transaction through the “Foreign Exchange” function via the WeLab Bank App, and within 5 minutes of completing that transaction, you find a Third-Party FX Quote⁷ under which you could have used less HKD to buy the same amount of Eligible Foreign Currency⁶, we will rebate the difference⁴.
Whether you are investing or paying tuition fees, WeLab offers $0 Handling fee³! With one app, you can exchange and remit money at ease. No hidden fees, save more with us!
Reminder: Get ready with sufficient funds in your account for making currency exchange anytime, anywhere, to handle your financial needs at ease. Check out the demo below:
Log in WeLab Bank App, go to “FX”
The screen displays and images on this website are for illustrative purpose only. Please refer to the information displayed in the WeLab Bank App on the transaction day.
Log in WeLab Bank App, go to “FX”
The screen displays and images on this website are for illustrative purpose only. Please refer to the information displayed in the WeLab Bank App on the transaction day.
Start exchanging after choosing your desired currency. It is that easy!
The screen displays and images on this website are for illustrative purpose only. Please refer to the information displayed in the WeLab Bank App on the transaction day.
Start exchanging after choosing your desired currency. It is that easy!
The screen displays and images on this website are for illustrative purpose only. Please refer to the information displayed in the WeLab Bank App on the transaction day.
Download our app and experience banking built for our century.
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 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. Terms and Conditions apply, please click here for promotion details.
2 0% Spread 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.
3 Handling fee refers to the fees for foreign currency transaction fee and foreign currency exchange fee. Foreign currency transaction fee waiver only applicable for the eligible 11 currencies, including Hong Kong Dollar, Japanese Yen, US Dollar, Renminbi, Australian Dollar, Sterling Pound, Euro, Singapore Dollar, Canadian Dollar, Swiss Franc and New Zealand Dollar. No handling fee is charged for foreign currency exchange.
4 During the Promotion Period, if an Eligible Customer successfully converts HKD100,000 or above to an Eligible Foreign Currency in a single transaction through the “Foreign Exchange” function via the WeLab Bank App and find a Third-Party FX Quote 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. 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. Offer is subject to terms and conditions. Click here for details.
5 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.
Reminder: The maximum amount of money saved represents the difference calculated between the highest and the lowest exchange rates shown in the table above when converting HKD 100,000 to the relevant foreign currency.
Time and sources of exchange rates
- HSBC data is based on its banking app as of 9:28 AM, 2 Jan 2026.
- BOC (Hong Kong) data is based on its banking website as of 9:43 AM, 2 Jan 2026.
- Hang Seng Bank data is based on its banking website as of 9:36 AM, 2 Jan 2026.
- Standard Chartered data is based on its banking app as of 9:44 AM, 2 Jan 2026.
- Citibank data is based on its banking app as of 9:44 AM, 2 Jan 2026.
- DBS Bank data is based on its banking website as of 9:40 AM, 2 Jan 2026.
6 “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”).
7 “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.
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 screen displays and the images of the website are for illustrative purpose only. The information provided in the website is for general information only without warranty of any kind and may be changed at any time without prior notice.