【✨Welcome Offer】WeLab Global Wallet Debit Card Welcome Rewards 🌏

¹The 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collected from the websites, online banking or mobile banking of 28 retail banks in Hong Kong (excluding those which do not publish FX rates via the aforementioned channels) as of approximately 2:15 pm on 23 January 2026.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.

²Bank'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.

³Overseas spending may be settled either in the local currency of the country/region where the transaction takes place or in Hong Kong Dollar: (A) For transaction settled in the local currency, (i) foreign currency transaction fee waiver will apply if the transaction is settled in any of the 10 eligible foreign currencies (including Japanese Yen, US Dollar, Renminbi, Australian Dollar, Sterling Pound, Euro, Singapore Dollar, Canadian Dollar, Swiss Franc and New Zealand Dollar), and (ii) if a foreign currency exchange is required to complete the transaction, the exchange will be carried out at our prevailing exchange rate, and no foreign exchange transaction fee will be charged. (B) For transaction settled in Hong Kong Dollar, the transaction will not be treated as a foreign currency transaction and will be subject to the exchange rate, fees, and charges determined by the merchant bank, rather than by us. 

⁴“Eligible Spending Transaction” includes local and/or overseas in-store retail purchases, contactless payments, mobile payments and online retail purchases conducted with Debit Cards issued by WeLab Bank via the Mastercard network in any currency. Terms and conditions apply; click here for details.

Note: Dynamic Currency Conversion (DCC) may occur when withdrawing cash overseas, making online or overseas transactions. If you see an exchange rate displayed or are offered an option to convert Hong Kong dollars into foreign currency or settle in Hong Kong dollars, such withdrawals or purchases are considered DCC and may involve higher fees. WeLab Bank shall not be responsible for any charges or fees imposed by merchants in relation to such transactions.

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 to Hong Kong Dollar.

Investment involves risks.

Information is for reference only and does not constitute any offer, solicitation and advice. See Wealth Management Services Terms for details. The fund platform fee of a month is an aggregate amount of the daily fee within the month. Daily fee is calculated based on the daily market value of all your settled fund holdings in HKD (or HKD equivalent based on daily reference rate) under Featured Funds Services, excluding all money market fund holdings, multiplied by the fund platform fee monthly rate and divided by the number of calendar days of the month. For fund asset class information, please refer to the fund details page in WeLab Bank app. Assuming the subscription fee rate is 2%, customers who use our Featured Funds Services can save 85% of transaction costs in the above two examples compared with the traditional charging model charging with subscription fee. The examples above are for illustration purposes only. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product(s).