Triple Welcome Rewards

Ready for the ultimate rewards? Join WeLab Bank's Triple Welcome Rewards now! From now until March 31, 2025, successfully open a WeLab Bank account with the designated invitation code and complete 3 related tasks to earn rewards of up to HK$2,086*!

*T&Cs apply.

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USD FX Time Deposit Offer

Enjoy a 2-month USD Time Deposit Interest Rate 4.8% p.a.* including an extra bonus rate by conducting eligible FX transaction during the promotion period. Act now and earn high interest on USD deposits with ease!✨

*T&Cs apply.

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Global Remittance Fees Waiver

The Global Remittance Fees Waiver* has been extended, helping you save money and time, meeting your remittance needs anytime, anywhere! 🌍💸

*T&Cs apply.

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Personal Loan Cash Rebate Level Up!

The annualized percentage rate for personal loans is as low as 1.68%, with loan amounts up to 18 times your monthly salary. Successful approvals can enjoy up to HKD 23,888 cash rebate^!

Manage your loan process with 1 app, truly helping to achieve your financial goals. Let’s make the smart choice and level up your financial intelligence!

To borrow or not to borrow? Borrow only if you can repay!

^T&Cs apply.

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New USD Deposit Account enjoy Annual Interest Rate at 1.50% p.a.!

Want to save money securely and flexibly, with noticeable growth in savings? Simply putting your money in your WeLab Bank USD Core Account can earn you high interest easily😍!

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Invest in global top funds with $0 subscription fee!

Still need to pay commission for buying funds? Investing with our Featured Funds Services, all are $0 subscription fee, with extra low single monthly fee of 0.1% with unlimited trades flexibility.

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Subscribe+ for Apple Products

Subscribe+. Glow with No Interest.4

  • Exclusive at WeLab Bank*
  • Get iPhone 16 Pro (128GB) at HKD 258 up/month3
  • As low as 30% off on monthly installments!1
  • More than 100+ point of sale

This program is a credit product. To borrow or not to borrow? Borrow only if you can repay! ​
Click HERE to read terms and conditions

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WeLab Bank - The Most Innovative Bank* in Hong Kong

Great news! We have recently been ranked number 1 in the inaugural ‘Hong Kong Corporate Innovation Index’ 2022! Thanks everyone for the continuous support!

*The claim is based on the result of the inaugural ‘Hong Kong Corporate Innovation Index’ 2022 held by the Asia-Pacific Institute of Business (APIB) of CUHK Business School.

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HK residents and Mainland Chinese visitors in HK to get started in as fast as 5 minutes online*

Open a WeLab Bank account online wherever and whenever you are. All through your phone, saving up your time from queuing at branches!

*Actual time may vary depending on factors such as your connectivity, mobile phone and documents required.

Apply Now
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We’ve been quoted in:

Featured Funds

Partnering with the top global fund houses (Including: AllianzGI, Blackrock, Fidelity, Invesco, Janus Henderson, JPMorgan Asset Management, PIMCO, Schroder, Value Partners), Welab Bank sources over 100 Featured Funds on shelf, with one click, you may invest into the most popular mutual funds, dividend funds, bond funds, etc. and easily benefit from the market dynamics.

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GoWealth Digital Wealth Advisory

Discover your goals．Invest into purpose-built porfolios．Track and manage your progress．All within one Hong Kong digital bank app.
Since launch to date, our investment portfolios have recorded remarkable performance.

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This webpage is for information only and does not constitute any investment advice. Investment involves risks, please refer to the Disclaimers herein for details. The screen displays and the images of the website are for illustrative purpose only.

GoSave 2.0 Time Deposit

Understanding your needs, leading Hong Kong digital bank - WeLab Bank has upgraded our GoSave to the latest 2.0 version to take care of our customer’s feedback. Check out how the GoSave 2.0 Time Deposit is more rewarding, more flexible and more surprising!

*Terms and conditions apply

Amazing rates for all

Deposit at least HKD 10 to enjoy the same great rate as everyone - that's the magic of the leading Hong Kong digital bank.

Place your GoSave 2.0 Time Deposit any time

At WeLab Bank, a leading Hong Kong digital bank, you can choose a suitable "Savings" route for you any time and it will start immediately! Enjoy reaching your saving goal on time!

“GoSave Festival”

Add money to your WeLab Bank account now to ensure you have sufficient funds to catch the “GoSave Festival” exclusive surprise when you see it - it's a one-of-a-kind Hong Kong digital bank offer! The offer is available on a first-come, first-served basis, so act now!

Take back control of your spending with leading Hong Kong digital bank

As a leading Hong Kong digital bank, we want to help you say goodbye to credit card surprise! Take back control and only spend on what you want with your Debit Card. Save the rest and watch it grow!

Available instantly

A virtual Debit Card available instantly with your new Hong Kong digital bank account, also compatible with Apple Pay. Ready for use at your favourite online merchants – even before your physical card arrives.

A card to rule them all

One card for all your shopping, dining and cash needs. Spend it, withdraw it, beep it. It’s easy. It's how the leading Hong Kong digital bank can help you.

An intelligent Hong Kong digital bank account

Get real-time notifications for every transaction and more.

Good lookin’ technology

The numberless card design looks good and literally shines! Access your card details securely, all within one Hong Kong digital bank app.

Strategic partners of the world's top innovative brands

Strategic partners include Tesla, Apple and Allianz Group, providing one-of-a-kind banking services to you.

Beyond bank-grade security

Keeping your money and data safe is our priority. As a digital bank regulated by the Hong Kong Monetary Authority, we follow security requirements that far exceed banking industry norms.

Keep your money safe

You’ve worked hard for your money. WeLab Bank is a member of the Deposit Protection Scheme. Your eligible deposits here are protected by the Scheme up to a limit of HKD800,000 per depositor.

Got questions?
We got answers.

How can we help you today?

What is WeLab Bank? What does it mean to be a Hong Kong digital bank?

First of all, as our name suggests, we are a bank! WeLab Bank is a digital bank licensed by the Hong Kong Monetary Authority. But, we are not your typical bank. We've seamlessly integrated technology into our lives and are redefining how Hong Kong banks should serve you.

Why doesn't WeLab Bank, a Hong Kong digital bank, have branches?

Your mobile phone is our physical branch! As a leading Hong Kong digital bank, we believe that we can deliver intuitive and instant banking services without you ever having to set foot into a physical branch. Also, operating branches is very cost intensive and we want to make sure we keep our costs low so we can pass the cost savings directly to you as a Hong Kong digital bank! If you really want to see or talk to us, there are also many other channels where you can find us: Though we are a Hong Kong digital bank, we are a group of real humans sitting in a physical office in Hong Kong; you can call our customer service hotline to speak to a WeLab representative; or shoot us an email – whichever way you choose, we will be at your service!

As a Mainland Chinese Visitor in Hong Kong, what is the eligibility to open a WeLab Bank account?

See the eligibility requirements below:

  • be at least 18 years old
  • be physically in Hong Kong
  • have an original identity card of Mainland China
  • have a valid Exit-Entry Record from the National Immigration Administration (NIA)
  • have a valid Mainland/ Hong Kong mobile number
  • have a valid Mainland/ Hong Kong residential address
Do I need to come to Hong Kong in person for account opening?

You need to come to Hong Kong in person for account opening. WeLab Bank is a licensed bank in Hong Kong and can provide account opening service to people holding valid identity document in Hong Kong. When applying for a WeLab Bank account, you must be physically in Hong Kong.

Any minimum balance requirement for account opening?

There is no minimum balance requirement and is completely free for WeLab Bank account opening.

Remarks:

Note: We formulate GoWealth Investment Portfolio Index for bond portfolios, mixed asset portfolios, and equity portfolios respectively, aiming at illustrating the performance of the investment portfolios of GoWealth since launch. The Index is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. Investment involves risks. Past performance is not indicative or guarantee of future results. You should not regard the index as a prediction or guarantee of future performance.

For details of the index, including its calculation method, source of information and purposes, please refer to the relevant report.

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