WeLab Bank - 香港數字銀行

Name: WeLab Bank - 香港數字銀行
Rating: 3.4 (1169 reviews)
Author: Welab Bank Limited

香港最創新銀行

僅適用於 iPhone

免費

1.2K 個評分
年齡

4+
歲
類別

理財
開發者

Welab Bank Limited
語言

ZH
+ 2種
大小

212.8
MB

iPhone

WeLab Bank提供你所需的銀行體驗，助你管理丶儲蓄同增值財富，讓你盡情享受生活。 •最快5分鐘線上開戶¹ •特高定期年利率 •「智動投資顧問」助你分散投資，無需親自打理。自選基金服務囊括環球頂尖基金，無須認購費² GoSave 2.0 定期存款: 多種貨幣及存款期; 各貨幣10元即可開始外匯交易³ : 11種貨幣外匯交易服務轉賬: 即時、免費及24/7「轉數快」轉賬; 轉數快QR Code，繳付商戶賬單; 美元本地轉賬 (CHATS) 及外幣跨境匯款服務自選基金⁴: 平台搜羅全球熱賣基金⁵ 智動投資顧問: 智能系統建議基金組合; $0認購費²，入場費低至 HKD100 多功能卡: 虛擬及實體 WeLab Global Wallet 扣賬卡²; 隨時隨地消費 WeLab Bank 私人貸款: 獨家研發「貸款智囊⁶」，結合高端智能系統，配合專業團隊隨時候命; 簡單3 步有初步批核結果，貸款全程透過app可辦妥; 實際年利率低至1.68%⁷ 匯立銀行有限公司係香港存款保障計劃嘅成員，所接受嘅合資格存款受存款保障計劃保障，最高保障額為每名存款人HKD 800,000。借定唔借？還得到先好借！上述受條款及細則約束，詳情請參閱本行網站。 ¹開戶實際時間可能因應不同因素而有差異，包括網絡及手機等因素。 ²有關收費詳情，請到我們網站參閱「一般服務收費」。 ³兌換貨幣外匯交易將面對由匯率波動帶來的風險。因此你可能會蒙受損失。以上內容並非亦不構成認購或進行任何交易的要約、建議、邀請或招攬。 ⁴注意：資料僅供參考，且不構成任何投資產品之要約、要約招攬或建議。投資涉及風險。 ⁵我們根據基金資料，將基金分類為不同投資主題，並提供主題說明。基金及分類資訊僅供參考，並非招攬、要約及投資建議。 ⁶貸款智囊是指自行研發的審批系統及貸款跟進團隊，計算審批結果及就客戶信貸情況所提供的專業意見。上述意見不構成報價、貸款申請或建議。任何貸款申請需根據正常貸款準則作評估。 ⁷適用之實際年利率由1.68%-36.00%；貸款額由 HKD10,000至HKD1,500,000，而還款期為6至72個月。假設貸款額為HKD1,500,000，還款期為12個月，實際年利率為1.68% (不包括現金回贈)，總還款額為HKD1,513,580.49。實際年利率乃根據銀行營運守則之指引計算，並已被約至小數後兩個位及或跟隨個別客戶而有差異。實際年利率是一個參考利率，以年化利率展示包括銀行產品的基本利率及其他適用的費用與收費。這款銀行手機應用程式（以下簡稱「App」）及其提供的資訊並不打算供任何法律或法規禁止的地區使用。我們並未獲得其他司法管轄區的授權或許可，以提供透過此App所提供的產品和/或服務，且我們也不保證本App的內容是否適用於或可供香港以外地區使用。此App不應被視為傳達任何進行銀行業務或貸款的邀請或誘因，亦不構成向任何地區法律或法規不允許從事該活動或使用相關產品或服務的人提供產品或服務的邀請或招攬。透過此App申請任何產品和/或服務時，你聲明並確認遵守適用於你的當地法律和法規，以使用此App或我們的服務。地址：香港鰂魚涌英皇道728 號K11 ATELIER King's Road 23 樓

評分與評論

3.4

滿分 5 分

1.2K 則評分

Great onboarding but card is misleading
22/08/2020

reviewer_gw
Great oboarding experience and good UI. One key challenge to the process is that the card isn’t fully “functional “ on day 1, it’s a little misleading. You can only purchase online on day 1 and cannot use at offline stores as apple wallet isn’t supported ? So you have to wait for the physical card to arrive before you can actually pay in stores. Also, given COVID, the mail is very slow in Hong Kong (not WeLab problem ) so it’s took over 3 weeks for my card to arrive.

開發者回應
Glad to know you love our app ❤ Congrats for getting the "FOUNDING MEMBER" card! Don't miss out our 8% cash rebate promotion: https://www.welab.bank/en/feature/8-cash-rebate
Great onboarding but card is misleading
22/08/2020

reviewer_gw

Great oboarding experience and good UI. One key challenge to the process is that the card isn’t fully “functional “ on day 1, it’s a little misleading. You can only purchase online on day 1 and cannot use at offline stores as apple wallet isn’t supported ? So you have to wait for the physical card to arrive before you can actually pay in stores. Also, given COVID, the mail is very slow in Hong Kong (not WeLab problem ) so it’s took over 3 weeks for my card to arrive.
開發者回應 24/08/2020
Glad to know you love our app ❤ Congrats for getting the "FOUNDING MEMBER" card! Don't miss out our 8% cash rebate promotion: https://www.welab.bank/en/feature/8-cash-rebate
Quick & easy
04/08/2020

lennypenny2468
I don’t think I ever need to go to a bank branch again! Onboarded really quickly and easy to request a card and transfer money to save immediately into a GoSave! Still want to see more features though like bill pay so I can start using it as my main bank account!

開發者回應
Welcome to a new world of banking! Stay tuned with us for latest update on @welab.bank Instagram! Thanks for your support🥳
Quick & easy
04/08/2020

lennypenny2468

I don’t think I ever need to go to a bank branch again! Onboarded really quickly and easy to request a card and transfer money to save immediately into a GoSave! Still want to see more features though like bill pay so I can start using it as my main bank account!
開發者回應 05/08/2020
Welcome to a new world of banking! Stay tuned with us for latest update on @welab.bank Instagram! Thanks for your support🥳
Definitely one of the worse virtual banks in Hong Kong.
16/10/2024

Zach_re
The account closing procedure is not painless, but forces you to talk to their customer service representative, making a simple procedure into another sales pitch, and a long winded explanation that could be done with the click of a button, the way most other account closings work. Their advertising is also extremely misleading, with lots of fine print. If you apply for anything, be prepared that it will take much longer than usual, and that you don’t get what you want in the first place. BEWARE.
Definitely one of the worse virtual banks in Hong Kong.
16/10/2024

Zach_re

The account closing procedure is not painless, but forces you to talk to their customer service representative, making a simple procedure into another sales pitch, and a long winded explanation that could be done with the click of a button, the way most other account closings work. Their advertising is also extremely misleading, with lots of fine print. If you apply for anything, be prepared that it will take much longer than usual, and that you don’t get what you want in the first place. BEWARE.
Easy to use
21/09/2020

Gooner U.K.
Have started to use as alternative to Neat that I was using but had been having big problems with allocations to the card and then only once a week and limited banks via FPS. So far liking WeLab a lot and be god when more features added but good launch product
Easy to use
21/09/2020

Gooner U.K.

Have started to use as alternative to Neat that I was using but had been having big problems with allocations to the card and then only once a week and limited banks via FPS. So far liking WeLab a lot and be god when more features added but good launch product

重點推出： · 自動外幣增值功能 - 喺海外碌卡或提款時，就無須擔心外幣結餘唔夠錢! · 完善應用程式及提升細節，為你帶來更暢順、更安全的流動理財體驗。

版本1.9.40

1月30日

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WeLab Bank - 香港數字銀行

香港最創新銀行

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新功能

版本1.9.40

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