[Exclusive Limited Time Offer] Up to 4% p.a.¹ USD FX time deposit offer
Exchange to USD and place it into a designated USD Time Deposit with WeLab Bank to enjoy up to 4% p.a.1
🌍The market can wait — but attractive rates won’t
In times of rapidly changing market conditions, leading to a more cautious approach to wealth management.
In an uncertain environment, arrangements that allow you to secure an interest rate can be particularly appealing.
💡Turn Interest Differentials into Opportunity
Interest rate differences exist between currencies. By converting your funds from a lower interest currency to those offering higher rates, which is a simple and transparent way to optimise your returns. Now, you can turn interest differentials into actual interest income.
A USD FX Time Deposit plan with 4% p.a. exclusive for you¹ 🌟
📌 Applicable upon completing a foreign currency conversion to USD and then setup a designated USD time deposit between 13 – 31 May 2026.
How to play?
✅ Exchange to USD via WeLab Bank; and
✅ Place the converted USD into a designated USD Time Deposit
👉 Restart your FX strategy now
👉 Let your funds work harder and deliver greater value
Limited quota - available on a first-come, first-served basis.
💡Don’t have USD yet?
No worries! You can exchange to USD via WeLab Bank at our Best FX Rates in Town2, using bank’s cost price3, and then place your funds into a USD Time Deposit 💰 - more convenient and better value!
Remarks
1 From 13 May 2026 to 31 May 2026, eligible customer complete Eligible USD FX Transaction and place USD 1-month GoSave 2.0 Time Deposit will be entitled to receive 1% p.a. bonus rate for the Eligible Time Deposit. Including the 3% p.a. USD 1-month GoSave 2.0 Time Deposit, you could enjoy a total of 4% p.a.. The Bonus Interest is calculated based on the aggregate amount of the Eligible USD FX Transaction(s) or the aggregate amount of the Eligible Time Deposit(s), whichever is lower. The above designated USD time deposits set out are for reference only and are not guaranteed. Terms and Conditions apply, please click here for promotion details.
2 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collected from the websites, online banking or mobile banking of 28 retail banks in Hong Kong (excluding those which do not publish FX rates via the aforementioned channels) as of approximately 2:15 pm on 23 January 2026. 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.
3 Bank's cost price 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.
Disclaimer
Foreign Exchange involves Exchange Rate Risk. The value of foreign currency will be subject to the risk of exchange rate fluctuation. As a result, customer may incur gains or loss of principal in the event that the customer converts Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency to Hong Kong Dollar.