WeLab Global Wallet Debit Card is here! Enjoy the Best FX rate¹ to lock in the rate + $0 handling fee² + up to 2% cashback on spending³!

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Ready for New Year getaway? Whether you’re heading to Japan to enjoy hot springs, visiting friends in the UK, taking the kids for a quick trip to Shenzhen, or going to Australia to be among the first to welcome 2026! We’ve got your back whenever you feel like taking off , as WeLab Bank “travel essential” - WeLab Global Wallet Debit Card is here! 🤩

With just one WeLab Global Wallet Debit Card 💳, you don’t need to queue for currency exchange 💱 before departure, and you don’t need to carry cash 💵 when travelling.
You can pay anytime with the Best FX rate¹ to lock in your preferred rate + $0 handling fee², plus earn up to 2% cashback on spending³ 🌎 As long as you see the Mastercard® logo, wherever you go, it’s Easy Pay!

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Skip the pre trip rush ✈️Settle instantly on the way to the airport ✨

One card supports HKD, JPY, USD, CNY, AUD, GBP, EUR, SGD, CAD, CHF and NZD — a total of 11 major currencies ✈️

Use the WeLab Bank App to lock in your preferred rate with the Best FX rate in town¹ + $0 handling fee² + up to 2% cashback on spending³!

Exchange anytime 24/7 — exchange instantly, earn instantly💰! For overseas spending, payment is directly deducted from your foreign currency account 🪙.

With WeLab’s cost‑price FX rate, you can easily benefit from the exchange difference while saving time 😍!

Check out the FX rate today!

One account Supports direct spending in 11 currencies

WeLab Global Wallet connects your debit card with your foreign currency accounts. Once exchanged, you can make payment whenever spending or withdrawing cash from the corresponding currency account directly. One card handles it all 🎯 hassle-free.

Transactions are clear and transparent 📲. One account helps you save smart and spend happily 💰!

Use WeLab Global Wallet Debit Card!

$0 Foreign Currency Transaction Fee 🌟

Most credit cards charge a 1.95% foreign currency transaction fee for overseas spending 💳, but with the WeLab Global Wallet Debit Card 👉 you enjoy $0 foreign currency transaction fee² when paying in 11 major currencies.

Every swipe is convenient and rewarding 💳, whether you’re dining abroad 🍣, taking a ride 🚕, or buying souvenirs 🎎, it’s all effortlessly easy!

Learn more about WeLab Global Wallet！

Withdraw Cash Worldwide

Traveling and need some cash? Whenever you see an ATM with the Cirrus® logo overseas, you can use your physical card to withdraw cash from ATMs that support the Cirrus® network. Before your trip, please activate the overseas withdrawal feature via the WeLab Bank app.

💳 Use the WeLab Global Wallet Debit Card — exchange & earn 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 our prevailing 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 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 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 ATMs can I use to withdraw cash?

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

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.

Learn more

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 transaction fee, foreign currency exchange fee and cross-border remittance fee. Foreign currency transaction 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, Swiss Franc and New Zealand Dollar. 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 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.