字段值保留来源原文(中文),未作英文转述 — 机翻会把「待核实」读成结论。栏目名与判定句为双语。Field values keep the original Chinese wording; no English rendering is provided. Section titles and verdicts are bilingual.
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状态与办理路径Status & route
Status & route状态说明Status note现行:2025年12月首发、2026-01-27官方宣布与Mastercard合作推出,官方宣称为全港首间数字银行推出多币种扣账卡(官方新闻稿,多家财经媒体转载一致)办理方式How you apply赴港后线上谁可以办Who qualifies须先开立WeLab Bank账户(访客通道资格见21.1);访港旅客账户可否获发本卡待核实(与21.1旅客账户服务范围一并核对)适用对象Personal or business个人卡片形态Card form虚拟卡+实体卡(两者,草稿口径,待核实,见卡形式细节)分级依据Why this tier须身处香港时以 App/线上办理(无需亲临网点)入口口径冲突本条目没有官方线上入口,办理方式原文却写「赴港后线上」。两者同时成立的前提,通常是它依附在另一个可线上开立的产品上(卡随账户发、或须先有账户)。本站不把这条改写成「可线上申请」。
English · 本站译述
This record has no official online entry, yet its application wording says “赴港后线上”. Both can hold only because the product rides on something else that can be opened online. We do not rewrite it as “apply online”.Translation by CARDPORT. Not the bank's original wording.
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需要带什么What to bring
What to bring证件Documents仅大陆身份证+出入境记录(即先按21.1访客通道开户的证件组合;旅客发卡资格待核实)地址证明Address proof随账户开户要求,见21.1税号Tax ID随账户开户要求,见21.1(待核实)03
费用与时效Fees & timing
Fees & timing最低存款Minimum balance不设(随账户;账户最低存款本身待核实,见21.1)费用Fees换汇按银行成本价、0%加价、无隐藏费用,外币交易手续费豁免(官方新闻稿2026-01-27,经The Asian Banker及Asian Banking & Finance全文转载/报道);年费待核实办理与激活Timing待核实(官方未公布发卡时限)申办速度Speed批核/发卡:待核实(官方新闻稿及产品页未公布虚拟卡开通及实体卡寄达时限)04
卡本身与收件The card & delivery
The card & delivery卡形式细节Card details待核实:草稿称开户后先以虚拟卡即时可用、其后再寄实体卡,本轮未在官方产品页取得逐字确认(单一来源,草稿口径);无卡号设计已经官方新闻稿/报道确认卡组织NetworkMastercard(官方新闻稿:与Mastercard合作;可在JETCO ATM及Mastercard Cirrus ATM提款)币种Currencies多达11种主要货币(官方新闻稿:可兑换多达11种主要货币、於10种主要外币消费)移动支付Mobile pay可绑定支付宝(中国)/微信支付(中国)消费(官方博客);Apple Pay/Google Pay待核实收件地区Delivery regions待核实寄送说明Delivery note官方未公布实体卡邮寄范围及时限;能否邮寄至内地地址待核实05
从哪进Entry point
Entry point官方入口Official entryEntry URL无None — 这不是遗漏,是数据本身如此:195 条记录里只有 54 条有官方线上入口。Not an omission: only 54 of 195 records have an official online entry.办理方式原文Original wordingApplication mode赴港后线上06
资金回流Repatriation
Repatriation能否回流PossiblePossible未知Unknown · 具体渠道与费用见下see channels below渠道ChannelsChannels未知Unknown
流程StepsSteps- 01回流路径待核实(未找到可靠来源):本轮未取得该机构关于资金汇回中国内地渠道(电汇/平台提现等)的可靠来源,未臆测
- 02标未知不代表不可回流。
同名账户Same-name accountSame name未知Unknown费用与限额Fees & limitsFees & limits未知/待核实口径来源SourceSource未取得(本轮检索范围:机构官网汇款/提现页、本数据集既有来源、社区实测汇总)风险提示:以上为公开来源整理,非银行承诺。跨境汇款受两地监管、个人年度便利化额度与反洗钱审查约束,实际能否汇出以汇出行当时的审核为准。Risk notice: compiled from public sources, not a bank promise. Cross-border transfers are subject to both jurisdictions, annual quotas and AML review; the sending bank's assessment at the time prevails.
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能不能绑常用服务Compatibility
Compatibility- wise
- 未知
- stripe
- 未知
- x_money
- 未知
- alipay
- 支持
- wechat_pay
- 支持
- apple_pay
- 未知
- google_pay
- 未知
- paypal
- 未知
说明Note全站 195 条记录的 PayPal 兼容性是「未知」— 这不是偷懒,是公开页面确实没写。未知就写未知。195 of 195 records list PayPal as unknown — not laziness; the public pages simply do not say. Unknown stays unknown.
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编者注与社区实操Field notes
Field notes以下为来源页面的原文摘录,含社区一手经验,不代表银行口径,也不构成建议。Verbatim excerpts from the cited pages, including first-hand community reports. Not bank policy and not advice.
编者说明Editor's note申办入口:无独立网页申办入口,经WeLab Bank App内开通;官方产品/新闻稿页仅作来源(产品页 https://www.welab.bank/en/feature/welab-global-wallet/ 本轮未重新打开,见审计);卡面图已按最终版图片清单回填:welab-global-wallet-debit.png(来源与核对记录见 final/images-manifest.md;同条目其他子卡图亦在该清单中)09
来源清单Sources
SourcesE01Theasianbankerhttps://www.theasianbanker.com/press-releases/welab-bank-partners-mastercard-to-launch-multi-currency-debit-card-in-hong-kong
指南 E02汇立银行https://www.welab.bank/en/blog/financial-tips/must-read-for-cross-border-travel-rmb-spending/
官方 E03汇立银行https://www.welab.bank/zh-CN/feature/onboarding/
官方 阶段性快照:本条所有字段均来自上述页面。我们不会声称这些政策今天仍然成立;发现口径变化,请到页脚纠错入口指出,变更会写入日志。
来源编号 CP·HK·0062Point-in-time snapshot: every field above comes from these pages. We do not claim the policy still holds today. If you find a change, use the correction link in the footer.
Source file CP·HK·0062 10
同一机构的其他记录Same issuer
Same issuer同一家机构的条目常共用一套资格与材料口径,但费用与门槛各不相同,逐条看。Records from the same issuer often share eligibility and document rules, but fees and thresholds differ. Read each one.
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免责与口径Disclaimer
Disclaimer本站不做什么What we do not do不代办、不导购、不保证通过、不替银行解释政策。当前页面不含任何推广或返佣链接;若将来加入,会在此行明确标注并加推广徽标。We do not open accounts for you, do not sell leads, do not guarantee approval, and do not interpret bank policy. There are no affiliate links on this page today; if that changes, it will be declared here and badged.发现错误Corrections请附上你认为正确的官方页面地址,我们会并列呈现两种说法,而不是直接改掉旧口径。Send the official URL you believe is right. We will show both readings side by side rather than silently overwrite the old one.