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We're a 100% digital bank that lets you take control of your life. Be empowered to manage, save & grow your money, so you can sit back, relax & live life the way you want

Welcome to WeLab Bank, a 100% digital bank that helps you take back control of your life. Be empowered to manage, save and grow your money, so you can sit back, relax and live life the way you want.

Not only do we provide you the security of a bank regulated by the Hong Kong Monetary Authority (BTW your money is protected under the Deposit Protection Scheme up to HKD500,000#), we also deliver a simple, intuitive experience centered around you – the way modern banking should be!

Download our app now and challenge our best record to get your account opened in as fast as 5 minutes^ All you need is your HKID!

• Experience HK’s first savings product that harnesses the power of “We” for as little as HKD 10. When more people = better rates for all!
• Invite your family and friends to hop onto our savings minibus before they fill up. The more people who save together, the higher the interest rate, the more your savings will grow!
• No early withdrawal fees on time deposits

• Instant access to a virtual WeLab Debit Card
• Get a free numberless physical WeLab Debit Card
• Spend with ease! Wherever you like, whenever you like

• Personal lending at your fingertips
• Borrow smartly in just 4 steps, all via your WeLab Bank app
• Enjoy low loan interest rates, and zero handling fee
• Choose your optimal loan tenor from 6 – 60 months
• To borrow or not to borrow? Borrow only if you can repay!
• Terms and conditions apply

• Instant notifications on every transaction
• Modern technology that gives you control of your own spending. Set your payment limits, activate your card – all in just a few taps
• Your eligible deposit is protected by the Deposit Protection Scheme up to a limit of HKD 500,000 per depositor#
• 24/7 in-app and phone support from our friendly customer service agents based in Hong Kong. We are always here to help

^Actual time may vary depending on factors such as your environment, connectivity and mobile phone

#WeLab Bank is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by WeLab Bank are protected by the Scheme up to a limit of HKD 500,000 per depositor.

What’s New

Version 1.1.20

Hello world! Manage, save and grow your money with your favorite virtual bank, made with love in Hong Kong.

In this update, we have upgraded fixed pesky bugs to bring you a better customer experience.

Ratings and Reviews

4.4 out of 5
2K Ratings

2K Ratings

lennypenny2468 ,

Quick & easy

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!

Developer Response ,

Welcome to a new world of banking! Stay tuned with us for latest update on @welab.bank Instagram! Thanks for your support🥳

reviewer_gw ,

Great onboarding but card is misleading

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.

Developer Response ,

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

Gooner U.K. ,

Easy to use

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

App Privacy

The developer, Welab Bank Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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