[Double 11．5-Day Flash] WeLab Bank Lowest FX Rate¹ + HK$111.1 Cash Rebate² 🌍

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collected from the websites, online banking or mobile banking of 28 retail banks in Hong Kong (excluding those which do not publish FX rates via the aforementioned channels) as of approximately 3:30 pm on 24 September 2025.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.

² During the Promotion Period, Eligible Customer who successfully exchanges eligible Japanese Yen through the “Foreign exchange” function in the WeLab Bank App in a single transaction with HKD 100,000 or above, will receive a HKD 111.1 cash rebate. Each Eligible Customer can only entitle to a maximum cash rebate of HKD 111.1 only once during the Promotion Period. Terms and Conditions apply, please click here for promotion details.

³ 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.

⁴ $0 handling fee refers to the fees for foreign currency exchange and cross-border remittance. No handling fee is charged for foreign currency exchange. While cross-border remittance originally incurs a fee, during the promotional period from now until 31 December 2025, all outward remittance successfully made through the “Global Remit” function in the WeLab Bank App can enjoy WeLab remittance handling fee waivers. 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. Exchange rates fluctuate according to market conditions. Exchange rates may vary upon conducting actual transactions.

⁶ 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 finds 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.

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.