RelatedHong Kong, ChinaZero Min DepositOnline OnlyFast Approval

WeLab Bank汇立银行

Hong Kong, China 虚拟银行 Fully online Residents only ★ 4.2
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Standing benefit

WeLab Bank benefits: No minimum balance, low barrier · No account management fee

No minimum deposit and no minimum balance. Personal savings accounts carry no management fee. Standing benefits — no campaign end date.

No Minimum Deposit No Monthly Fee Digital Banks
Open an account ↗ Benefits in detail →
Minimum depositNo minimum deposit
Monthly feeZero maintenance fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline ~5 min (must be in Hong Kong)
Institution typeVirtual Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • No min balance, no admin fee, low barrier
  • Issues a physical Debit Card (JETCO/CIRRUS) and mobile wallet binding
  • Flexible GoSave deposits from HKD 10 and digital wealth; deposits protected

Things to note

  • No branches or credit card; narrower than traditional banks
  • Visitors from mainland need a valid referral code to open
  • Must be inside HK; no remote opening

Documents required

  • HK ID (resident) / Mainland ID (visitor)
  • Mainland or HK phone and address
  • Selfie face verification
  • Visitors need a valid referral code and immigration entry records

Online in ~5 minutes; for HK residents or in-HK visitors with a valid referral code.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineDigital BankFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

Other accounts in this region

Bank of China (Hong Kong) ★ 4.4 HSBC Hong Kong ★ 4.3 ZA Bank ★ 4.3 Standard Chartered HK ★ 4.2 Hang Seng Bank ★ 4.2 Mox Bank ★ 4.2 Airstar Bank ★ 4.2

Guides mentioning this bank

How to Open a Hong Kong Bank Account (2026 Guide)→ Hong Kong's 8 Virtual Banks Compared: ZA, Mox, Airstar, WeLab→
Compare all banks Smart matcher Opening guide