Travel Smart with WeLab Global Wallet Debit Card✈️Exchange at the lowest FX rate¹ + $0 fee²💱

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Ready for a Christmas ⛄ or New Year getaway?

Whether it’s chasing snow monsters and soaking in hot springs in Japan, visiting friends in the UK, taking the kids for a fun day in Shenzhen, or counting down to 2026 on the beaches of Australia—WeLab Bank’s ultimate travel essential is here! 🤩

No matter how packed your itinerary 💼 or how far your destination 🌍, all you need is one WeLab Global Wallet Debit Card💳.

No more queuing for foreign currency 💱 before departure, no need to carry cash 💵 while traveling—just look for the Mastercard® logo and pay instantly at the city’s lowest FX rate¹ + $0 fee². 🌎 Wherever you go, it’s Easy Pay!

No need to rush for foreign currency before departure✈️—get it done in no time, even on the way to the airport✨

One card supports 11 currencies: HKD, JPY, USD, CNY, AUD, GBP, EUR, SGD, CAD, CHF, and NZD✈️

Use the WeLab Bank App to exchange your travel funds at the city’s lowest FX rate¹ + $0 fee²💱. Exchange anytime, 24/7—instant and rewarding💰!

✈️ Overseas spending is deducted directly from your foreign currency account🪙, helping you save on exchange rates while keeping things fast and convenient😍!

Check out AI Smart Rate Comparison now!

Enjoy Zero Fees on All Spending🌟

Most credit cards charge a 1.95% foreign transaction fee💳 for overseas purchases—but with the WeLab Global Wallet Debit Card, it’s 👉 0% foreign transaction fee³, no extra charges! Every swipe is easy and rewarding💳—whether dining abroad🍣, taking a ride🚕, or buying souvenirs🎎!

Dynamic Currency Conversion (DCC) may occur during overseas withdrawals, merchant purchases, or online transactions. If an exchange rate is applied or an option is provided to convert HKD into foreign currency or settle in HKD, this may involve higher fees. WeLab Bank shall not be responsible for any charges or fees imposed by merchants in relation to such transactions.

General Service Charges

Spend Globally 💰 Earn Up to 2% Cashback⁴

No matter where you are in the world💳, the WeLab Global Wallet Debit Card helps you spend more and earn more💸. Enjoy up to 2% cashback⁴ on every purchase, plus zero foreign transaction fees🔥. Travel and manage your money all in one—every swipe puts cash back in your pocket✨!

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Perfect Match: Account + FX Rates 🌟 11 Currencies, Direct Debit

Your WeLab Bank core account and WeLab Global Wallet Debit Card are seamlessly connected🎯. HKD and foreign currency balances sync instantly📊, and every purchase or withdrawal is deducted directly from the corresponding account.

Whether you’re buying souvenirs in Kyoto🎎, enjoying high tea in London🍰, or shopping for designer bags in Europe👜, transactions are clear and transparent📲. The city’s lowest FX rate¹ is applied automatically💱—making your journey smarter and more enjoyable💰!

Best Rate Guarantee

Apple Pay contactless payment

Add your WeLab Global Wallet Debit Card to Apple Pay – spend with your mobile device by making fast and secure payments!

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How to add your WeLab Global Wallet Debit Card to Apple Pay?

Step 1

Open the WeLab Bank app on your Apple device.

Step 2

Go to “Debit Card”, click on the “Add to Apple Wallet” button and follow the simple instructions. Alternatively, open the "Wallet app" on your device and tap the “+” symbol to start.

Step 3

Once you’ve completed the on-screen instructions, you’re all set! Remember to add money to your WeLab Bank account to use your card!

^{Apple, the Apple Logo, Apple Pay, iPhone, iPad and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries / regions.}

💳 Apply for the WeLab Global Wallet Debit Card and start earning instantly!

Say Goodbye to Currency Exchange Hassles👋🏻 Start Your New Travel Experience🌍✨

Want to know more? We’ve got answers!

Here are some commonly asked questions about the WeLab Global Wallet Debit Card

Do I need to choose the foreign currency to pay every time I make a purchase or withdrawal?

You usually do not need to choose to pay with foreign currency. If an overseas merchant or overseas ATM offers you the option to settle in foreign currency or in Hong Kong dollars, you should choose to pay with foreign currency.

We will automatically debit from the corresponding foreign currency account based on the transaction currency.

If the corresponding foreign currency account balance is insufficient, or the transaction currency is not among the 11 currencies supported, we will settle in Hong Kong dollars according to the prevailing Mastercard® exchange rate.

If my foreign currency account balance is insufficient when making a purchase or withdrawal overseas, what will happen?

If the corresponding foreign currency account balance is insufficient, we will settle the transaction in Hong Kong dollars based on the prevailing Mastercard® exchange rate and debit from your HKD account. If the HKD account balance is also insufficient, the transaction will decline.

If the WeLab Global Wallet Debit Card does not support the foreign currency of my transaction or withdrawal, what will happen?

If the transaction currency is not among the 11 currencies supported, we will settle the transaction in Hong Kong dollars based on the prevailing Mastercard® exchange rate and debit from your HKD account. If the HKD account balance is insufficient, the transaction will be declined.

How can I withdraw cash overseas using the WeLab Global Wallet Debit Card?

You need to log in to the WeLab Bank App and enable the overseas withdrawal service, then withdraw cash at overseas ATMs that support the Mastercard® network (including Cirrus®).

Which ATM can I use to withdraw cash overseas?

You can withdraw cash at overseas ATMs that support the Mastercard® network (including Cirrus®).

If an overseas merchant or overseas ATM offers me the option to settle the transaction or withdrawal in foreign currency or Hong Kong dollars, which option should I choose?

You should choose to pay with foreign currency. If you choose Hong Kong dollar settlement, the merchant or ATM operator will use their exchange rate to convert the foreign currency transaction or withdrawal into Hong Kong dollars and debit from your HKD account. Such withdrawals are considered as Dynamic Currency Conversion (DCC) and may involve higher fees.

We recommend you decline such withdrawals to avoid DCC and try using another ATM.

When withdrawing cash overseas, which account should I select on the overseas ATM screen?

Some overseas ATMs may allow you to choose which account to withdraw cash from. On the screen, regardless of whether you select the current account or the savings account, the withdrawal will automatically be debited from the corresponding foreign currency account.

How can I identify a Dynamic Currency Conversion (DCC) transaction during withdrawal or purchase, and what should I do?

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.

If you find that you cannot choose to pay with foreign currency during withdrawal or purchase, we recommend you decline such transactions to avoid DCC and try to settle in foreign currency instead.

If I use the WeLab Global Wallet Debit Card for overseas shopping, will there be any fees?

Overseas transaction handling 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 and New Zealand Dollar.

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Remarks

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 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.

³ Overseas transaction handling 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 and New Zealand Dollar.

⁴ Maintains a Daily Average Available Balance of HKD 50,000 or above in Hong Kong Dollar Core Accounts in a calendar month can enjoy 2% Cash Rebate for Net Spending Amount in each Eligible Spending Transaction of HKD 100 or above. When the Deposit Requirement is not fulfilled, Net Spending Amount in each Eligible Spending Transaction of HKD 100 or above can still enjoy 1% Cash Rebate. The maximum Cash Rebate amount per month is HKD 150. Promotion valid until 31 December, 2025. Terms and Conditions apply, please click here for promotion 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

FX involves risks. 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.