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General

• Terms of Use of App
• Terms of Use of Website
• Privacy Policy
• Account Terms
• WeLab Bank General Service Charges

GoSave Time Deposit

• GoSave Time Deposit Terms and Conditions

GoSave 2.0 Time Deposit

• GoSave 2.0 Time Deposit Terms and Conditions
• Terms and Conditions for 4% p.a. USD Foreign Exchange Time Deposit Offer (Version of April 2026)
• Terms and Conditions for 4% p.a. USD Foreign Exchange Time Deposit Offer (Version of May 2026)

Level Up Reward Vanguard

• Terms and Conditions for Level Up Reward Vanguard
• Terms and Conditions for Level Up Reward Vanguard (Selected Customer)

Level Up Rewards

• Level Up Rewards Level Table (May 2026)
• Terms and Conditions for Level Up Rewards - Special Reward (2026 June) 

Money Safe

• Money Safe Terms and Conditions
• Money Safe Lucky Draw Campaign - Terms and Conditions (Version of 22 January 2026)

Global Wallet Debit Card Offer

• Terms and Conditions for up to 2% Cashback on WeLab Debit Card Spending (Version of 2 July 2025)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (Jan 2026) (Version of 1 January 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Cash Rebate on Dining Spending Offer (Feb-Mar 2026) (Version of 1 February 2026)
• Terms and Conditions for WeLab Global Wallet Spend & Save Welcome Offer (Feb to Mar 2026) (Version of 1 February 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (Mar 2026) (Version of 1 March 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (Apr-May 2026) (Version of 1 April 2026)
• Terms and Conditions for Food & Ride Rewards (Phase 1) (Version of 27 Apr 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (May 2026) (Version of 11 May 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (1-7 Jun 2026) (Version of 1 June 2026)
• Terms and Conditions for WeLab Global Wallet Debit Card Spending Cash Rebate (Jun - Aug 2026) (Version of 3 June 2026)

FX

• Terms and Conditions for Best FX Rate Guarantee (Version of 1 March 2026)
• Terms and Conditions for WeLab Bank March - May 2026 Foreign Exchange Flash Offer (Version of 1 March 2026)
• Terms and Conditions for Best FX Rate Guarantee (Version of 1 June 2026)
• Terms and Conditions for WeLab Bank Jun - Aug 2026 Foreign Exchange Cash Reward Offer (Version of 12 June 2026)

Transfer

• Mis-transfer of Fund – Refund Request Form

Personal Loan

• WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions
• Key Facts Statement (KFS) for WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan)
• Promotion T&C for WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan)
• WeLab Bank Letter of Consent for Early Repayment
• WeLab Bank Exclusive for TransUnion Customers (November 2025) – Personal Loan HKD350 Cash Rebate Terms and Conditions
• Exclusive for Personal Loan Customers (November - December 2025) – HKD500 Cash Rebate Terms and Conditions
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (November 2025)
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (December 2025)
• Exclusive for Personal Loan Customers (January - February 2026) – HKD500 Cash Rebate Terms and Conditions
• Exclusive for Personal Loan Customers (March 2026) – HKD500 Cash Rebate Terms and Conditions
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (March 2026)
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (April 2026)
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (May 2026)
• Exclusive for Personal Loan Customers (May 2026) HKD500 Cash Rebate Terms and Conditions
• Limited Time Personal Loan HKD500 Cash Rebate Terms and Conditions (June 2026)

GoWealth

• Wealth Management Services Terms
• Important Notes and Risk Disclosures
• Foreign Account Tax Compliance Act ("FATCA") Statement and Common Reporting Standards ("CRS") Statement
• WeLab Bank GoWealth New and Existing Customers Halloween “Fun Fund Reward” (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers 11.11 "Fun Fund Mega Reward" (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers New Year "Fun Fund Reward" (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Year of Snake "Fun Fund Reward" (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Year of Snake "Fun Fund Reward" Round 2 (the “Program”) Terms & Conditions
• WeLab Bank GoWealth Digital Wealth Advisory Services Chinese New Year 0% Subscription Fee Promotion Program Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Spring "Fun Fund Reward" (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Fun Fund Reward of Easter (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Tuen Ng Festival Fun Fund Reward (the “Program”) Terms & Conditions
• WeLab Bank Wealth 0% FX Spread for USD Funds Subscriptions Terms & Conditions (May - June 2025)
• WeLab Bank Wealth Management Services Smart Wealth Reward Program Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Fun Fund Reward of HKSAR Anniversary Celebration (the “Program”) Terms & Conditions
• WeLab Bank Wealth 0% FX Spread for USD Funds Subscriptions Terms & Conditions (Jul - Aug 2025)
• WeLab Bank GoWealth Summer Fun Fund Reward – Flash Offer for Selected Customers (the “Program”) Terms & Conditions
• WeLab Bank GoWealth Summer Surprise Fun Fund Reward (the “Program”) Terms & Conditions
• WeLab Bank GoWealth New and Existing Customers Festive Celebration Fun Fund Reward (the “Program”) Terms & Conditions
• WeLab Bank GoWealth Bonus Rewards – Flash Offer of October 2025 (the “Program”) Terms & Conditions 
• WeLab Bank GoWealth You’ve Got Choices! Fun Fund Reward (the “Program”) Terms & Conditions
• WeLab Bank GoWealth You’ve Got Choices! Fun Fund Reward (re-run) (the “Program”) Terms & Conditions
• WeLab Bank Wealth Management Services Exclusive Christmas Cash Reward (“the Program”) Terms & Conditions
• WeLab Bank Wealth Management Services Exclusive New Year Cash Reward (“the Program”) Terms & Conditions
• WeLab Bank GoWealth 2026 Investment Ignition Fun Fund Reward (the “Program”) Terms & Conditions
• WeLab Bank Wealth Management Services Year of the Horse Investment Cash Reward (“the Program”) Terms & Conditions
• WeLab Bank “WeLab Selected Customer Wealth Management Services Reward” Terms and Conditions
• WeLab Bank Wealth Management Services Spring Eminence Reward for Selected Customers (“the Program”) Terms & Conditions 
• WeLab Bank Wealth Management Services Spring Eminence Reward for Selected Customers – Flash Offer (“the Program”) Terms & Conditions
• WeLab Bank Wealth Management Services April Investment GO! Cash Reward Program (the “Program”) Terms & Conditions 
• WeLab Bank GoWealth May Holiday Fun Fund Investment Reward (the “Program”) Terms & Conditions 
• WeLab Bank “Selected Customer Wealth Management Services Welcome Reward” Terms and Conditions

Subscribe+ for Apple Products

• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products
• Terms and Conditions of WeLab Bank Subscribe+ for Apple Products
• Key Facts Statement (KFS) for ”Buy Now, Pay Later” (“BNPL”) product
• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (Effective from 20 September 2024)
• Terms and Conditions of WeLab Bank Subscribe+ for Apple Products (Effective from 20 September 2024)
• Key Facts Statement (KFS) for “Buy Now, Pay Later” (“BNPL”) product (Effective from 20 September 2024)

WeLab Bank x Preface – Learn Now Pay Later Program

• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Learn Now Pay Later for Preface
• Terms and Conditions of WeLab Bank Learn Now Pay Later for Preface
• WeLab Bank x Preface Joint Banking Promotion Offers
• WeLab Bank x Preface Key Facts Statement (KFS)

WeLab Bank 6th Anniversary Promotion Campaign

• Terms and Conditions for WeLab Bank 6th Anniversary Ice Cream Giveaway Campaign

Jay Chou's Concert Promotion Campaigns

• "Let's watch Jay Chou's concert together" – Referral Reward Program Terms and Conditions
• WeLab Bank Welcome Carnival Terms and Conditions
• WeLab Bank “Flash USD Time Deposit Carnival” Terms and Conditions
• WeLab Bank “Flash HKD Time Deposit Carnival” Terms and Conditions
• WeLab Bank “New Customers HKD Time Deposit Carnival” Terms and Conditions
• WeLab Bank “Time Deposit Flash Carnival” Terms and Conditions

Notice of Change

• Notice of Change to the Terms and Conditions of (i) WeLab Bank Subscribe+ for Apple Products and (ii) Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (21 February 2023)
• Notice of Change to “WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) Terms and Conditions” (21 February 2023)
• Notice of Changes to “General Service Charges” and “Wealth Management Services Terms” (25 May 2023)
• Notice of Name Change of WeLab Bank Debt Consolidation Loan (18 August 2023)
• Notice of Changes to “Account Terms” (17 November 2023)
• Notice of Change to the Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (30 November 2023)
• Notice of Change to WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (1 February 2024)
• Notice of Changes to “General Service Charges” of WeLab Bank (23 February 2024)
• Notice of Changes to “Account Terms” and “Wealth Management Services Terms” of WeLab Bank (29 February 2024)
• Notice of Change to Account Terms (22 May 2024)
• Notice of Change to the Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (3 June 2024)
• Notice of Change to the Terms and Conditions of WeLab Bank Subscribe+ for Apple Products (3 June 2024)
• Notice of Change to WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (3 June 2024)
• Notice of Change to WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (20 November 2025）
• Notice of Change to Terms and Conditions of WeLab Bank Policy Loan (20 November 2025）
• Notice of Changes to “Account Terms” (6 June 2024)
• Notice of Changes to “GoSave 2.0 Time Deposit Terms and Conditions” (30 August 2024)
• Notice of Changes to “Wealth Management Services Terms” (31 July 2024)
• Notice of Changes to “Account Terms” (1 August 2024)
• Notice of Changes to “Account Terms” (14 September 2024)
• Notice of Changes to “General Service Charges” (19 September 2024)
• Notice of Changes to “Wealth Management Services Terms” (15 September 2024)
• Notice of Changes to “Account Terms” and “General Service Charges” (15 November 2024)
• Notice of Changes to “General Service Charges” (28 January 2025)
• Notice of Changes to “General Service Charges” (31 March 2025)
• Notice of Changes to “Account Terms” and “General Service Charges” (23 April 2025)
• Notice of Changes to “Wealth Management Services Terms” (21 August 2025)
• Notice of Changes to “Account Terms” (31 August 2025)
• Notice of Changes to “Account Terms” and “General Service Charges” (22 September 2025)
• Notice of Changes to “Account Terms” and “General Service Charges” (20 January 2026)

Historical Version (for reference only)

• Account Terms (Version of 2022)
• Wealth Management Services Terms (Version of 27 June 2022)
• Wealth Management Services Terms (Version of 22 August 2022)
• Wealth Management Services Terms (Version of 31 January 2024)
• Wealth Management Services Terms (Version of 31 August 2024)
• Wealth Management Services Terms (Version of 15 October 2024)
• WeLab Bank General Service Charges (Version of 30 November 2021)
• WeLab Bank General Service Charges (Version of 9 June 2022)
• WeLab Bank General Service Charges (Version of 30 June 2022)
• WeLab Bank General Service Charges (Version of 25 September 2022)
• WeLab Bank General Service Charges (Version of 5 June 2023)
• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (Version of 5 October 2022)
• Terms and Conditions of WeLab Bank Subscribe+ for Apple Products (Version of 5 October 2022)
• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (Version of 27 March 2023)
• Key Facts Statement (KFS) for ”Buy Now, Pay Later” (“BNPL”) product (Version of 5 October 2022)
• Key Facts Statement (KFS) for ”Buy Now, Pay Later” (“BNPL”) product (Version of March 2023)
• Key Facts Statement (KFS) for WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) (Version of May 2022)
• Key Facts Statement (KFS) for WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) (Version of December 2022)
• Key Facts Statement (KFS) for WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) (Version of 20 Aug 2023)
• Key Facts Statement (KFS) for WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) (Version of 1 Feb 2024)
• WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) Terms and Conditions (Version of 24 July 2022)
• WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) Terms and Conditions (Version of 26 Feburary 2023)
• WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (Version of 20 Aug 2023)
• WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (Version of 1 Feb 2024)
• Promotion T&C for WeLab Bank Personal Loan (Version of 9 January 2025)
• Promotion T&C for WeLab Bank Personal Loan (Version of 1 April 2025)
• Promotion T&C for WeLab Bank Policy Loan (Version of 12 May 2025)
• Terms and Conditions of Revolving Credit Limit and Instalment Loan for WeLab Bank Subscribe+ for Apple Products (Version of 1 January 2024)
• Terms and Conditions of WeLab Bank Subscribe+ for Apple Products (Version of 27 March 2023)
• WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (Version of 1 April 2024)
• WeLab Bank Personal Loan (Personal Instalment Loan & Debt Consolidation Loan) Terms and Conditions (Version of 19 September 2025)
• WeLab Bank Policy Loan Terms and Conditions (Version of 19 September 2025)
• Account Terms (Version of 22 May 2024)
• GoSave 2.0 Time Deposit - Terms and Conditions (Version of 25 September 2022)
• WeLab Bank General Service Charges (Version of 31 March 2024)
• Account Terms (Version of 31 Aug 2024)
• WeLab Bank General Service Charges (Version of 19 Oct 2024)
• WeLab Bank General Service Charges (Version of 15 Dec 2024)
• WeLab Bank General Service Charges (Version of 1 Mar 2025)
• WeLab Bank General Service Charges (Version of 1 May 2025)
• Account Terms (Version of 15 Dec 2024)
• WeLab Bank General Service Charges (Version of 23 May 2025)
• Account Terms (Version of 23 May 2025)
• Account Terms (Version of 21 Sep 2025)
• Account Terms (Version of 21 Nov 2025)
• WeLab Bank General Service Charges (Version of 21 Nov 2025)
• WeLab Bank Buddy Booster – Selected Customer Referral Reward Program Terms and Conditions (Version of 21 Apr 2026)