WeLab Bank

ARE YOU ELIGIBLE?

• ‼️ Both Core Account and Investment Account must be opened at the same time to qualify for rewards.

• Customers who receive MoneySmart rewards will not be eligible for WeLab Bank official rewards.

• "Eligible Customer" means an individual who (i) has not held any WeLab Bank account in the preceding twelve (12) months immediately before the Campaign Period; and (ii) successfully opens a Core Account by using a Hong Kong Identity Card and a designated referral code for the Campaign (“Designated Referral Code”) and an Investment Account during the Campaign Period.

• "Date of Successful Core Account Opening" means the date on which an Eligible Customer receives WeLab Bank's email or other confirmation that the Core Account has been successfully opened.

• The Eligible Customer deposits into his/her Core Account, within seven (7) to twenty seven (27) calendar days from the Date of Successful Core Account Opening, an amount sufficient to meet the Eligible Balance applicable to any Reward Tier as specified

• New customers must be aged 18 or above, have never held a WeLab Bank account, hold a valid Hong Kong Identity Card, and have a correspondence address in Hong Kong.

• Accounts must be opened via MoneySmart's designated link and promo code【WNTBMS】 to qualify for this promotion.

• The application for the Designated Account must be approved by the Product Provider, and the account opening procedure must be completed according to the Product Provider's system records.

• New users must deposit a minimum of HK$100,000 (or equivalent in USD) via online transfer to complete the account opening process.

• After opening the Designated Account within the Promotion Period, customers must complete and submit the MoneySmart Reward Redemption Form on or before 15 November 2026, and provide their WeLab Bank account number in the "Application Reference Number" field.

WHAT YOU NEED TO KNOW

1. Promo code "WNTBMS" can only be used once.

2. * The cash reward will be converted from SmartPoints and deposited into the eligible applicant's bank account via FPS.

3. Eligible customers must successfully open an account using MoneySmart's designated promo code and deposit funds during the promotional period (processing takes 1-2 business days) to qualify for welcome rewards. Open your account early to ensure you don't miss out on the rewards!

4. New customers must submit MoneySmart rewards redemption form before 15 November 2026 23:59

5. Reward Conditions and Gift Selection
   MoneySmart reward recipients are not eligible for WeLab Bank official rewards
   Campaign Period: October 1-31, 2026
   Open both Core Account and Investment Account simultaneously. Deposit amount locks on Day 7 after opening; maintain for an additional 21 days. Claim rewards based on deposit or investment tier:

   1️⃣ HK$100,000 – HK$199,999
   1. HK$600 cash (via 6,000 SmartPoints to FPS)
   2. HK$600 Apple Store e-Gift Card
   3. HK$700 HKTVmall e-Voucher
   4. HK$700 ParknShop e-Voucher

   2️⃣ HK$200,000 – HK$299,999
   1. HK$800 cash (via 8,000 SmartPoints to FPS)
   2. HK$800 Apple Store e-Gift Card
   3. HK$900 HKTVmall e-Voucher
   4. HK$900 ParknShop e-Voucher
   5. Bowers & Wilkins Pi6 Wireless Noise-Cancelling Earbuds (Value: HK$1,980)

   3️⃣ HK$300,000 – HK$399,999
   1. HK$1,200 cash (via 12,000 SmartPoints to FPS)
   2. HK$1,200 Apple Store e-Gift Card
   3. HK$1,300 HKTVmall e-Voucher
   4. HK$1,300 ParknShop e-Voucher
   5. Philips RO Pure Water Dispenser ADD6901/90 (Value:HK$1,998)

   4️⃣ HK$400,000 – HK$499,999
   1. HK$1,700 cash (via 17,000 SmartPoints to FPS)
   2. HK$1,700 Apple Store e-Gift Card
   3. HK$1,900 HKTVmall e-Voucher
   4. HK$1,900 ParknShop e-Voucher
   5. Garmin Forerunner 165 Smart Watch (Value: HK$2,299)

   5️⃣ HK$500,000 – HK$599,999
   1. HK$2,000 cash (via 20,000 SmartPoints to FPS)
   2. HK$2,000 Apple Store e-Gift Card
   3. HK$2,200 HKTVmall e-Voucher
   4. HK$2,200 ParknShop e-Voucher
   5. Dyson Supersonic™ Travel Hair Dryer (Value: HK$2,490 )

   6️⃣ HK$600,000+
   1. HK$2,300 cash (via 23,000 SmartPoints to FPS)
   2. HK$2,300 Apple Store e-Gift Card
   3. HK$2,500 HKTVmall e-Voucher
   4. HK$2,500 ParknShop e-Voucher
   5. Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value:HK$3,498)

6. - Before applying via the designated MoneySmart link, you must:
   Disable any ad blocker (or similar functions)
   Clear your browser cache and cookies
   Do not use “Incognito Mode”

7. During the Promotion Period, customers must open an account via MoneySmart's designated link and promo code【WNTBMS】, complete the required deposit and holding conditions, and have their reward eligibility confirmed by WeLab Bank.

8. Retention period: Deposit HK$100,000 or HK$200,000 or HK$300,000 or HK$400,000 or HK$500,000 or HK$600,000 or above into your WeLab Bank account by 11:59 pm on 31 October 2026, and maintain a daily average asset balance of HK$100,000 or HK$200,000 or HK$300,000 or HK$400,000 or HK$500,000 or HK$600,000 or above for 21 days, starting from the day after the deposit.

9. After completing the first deposit, the funds/assets in the account may be used to invest in stocks, funds, options, futures or other products, or held as cash. Any gains or losses from such investments will not affect the record of the customer's initial deposit amount.