Compare the exchange rate with AI¹!
We know you want to have the best exchange rate for buying foreign currencies, but comparing rates between banks can be challenging. We use AI (Artificial Intelligence)¹ to help you identify the best rate and save the most.
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Want the best FX rate* when exchanging currencies? With WeLab Bank’s Best Rate Guarantee, you can save money and time—giving you more value with every currency exchange!
*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collected from the websites, online banking or mobile banking of 28 retail banks in Hong Kong (excluding those which do not publish FX rates via the aforementioned channels) as of approximately 3:30 pm on 24 September 2025.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.
WeLab Bank allows you to exchange up to 11 currencies whenever it’s convenient for you at any location, giving you unparalleled flexibility.
*Major currencies include Hong Kong Dollar, US Dollar, Renminbi, Australian Dollar, Canadian Dollar, Swiss Franc, Euro, Pound Sterling, Japanese Yen, New Zealand Dollar and Singapore Dollar. Except during system maintenance or special circumstances.
📅Promotion Period: July 1, 2025 to December 31, 2025
During promotion period, all outward remittance successfully made through the “Global Remit” function in the WeLab Bank App can enjoy WeLab remittance handling fee waivers. The actual fee quote with waiver ($0) will be directly displayed in the WeLab Bank App as an Eligible Customer submits a remittance transaction.
*Terms and conditions apply. Please refer here.
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 below demo now:
Log in WeLab Bank App, go to “Transfer” and enter “Foreign exchange”
Log in WeLab Bank App, go to “Transfer” and enter “Foreign exchange”
After choosing your desired currency pairs for exchange, slide to confirm!
After choosing your desired currency pairs for exchange, slide to confirm!
Download our app and experience banking built for our century.
- 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.
- 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 10:41 AM, Oct 14, 2025.
- BOC (Hong Kong) data is based on its banking website as of 10:47 AM, Oct 14, 2025.
- Hang Seng Bank data is based on its banking website as of 10:36 AM, Oct 14, 2025.
- Standard Chartered data is based on its banking app as of 10:43 AM, Oct 14, 2025.
- Citibank data is based on its banking app as of 10:42 AM, Oct 14, 2025.
- DBS Bank data is based on its banking website as of 10:30 AM, Oct 14, 2025.
Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to a foreign currency or foreign currency to HKD or other currency.
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.