WeLab Bank GoSave 2.0 — 2.65% p.a. (6-Month HKD)

**WeLab Bank GoSave 2.0** offers a 6-month HKD time deposit at **2.65% p.a.**, opened from as little as HK$10, with interest paid at maturity. WeLab is one of Hong Kong's licensed virtual banks (est. 2020), HKMA-regulated to the same standard as traditional banks, and deposits are protected by the Hong Kong Deposit Protection Scheme up to **HK$800,000 per depositor**. Placement and renewal are done in the app with no branch visit required. Also available: 3-month (2.10%) and 12-month (2.75%) tenors. Deposit rates move frequently - confirm the current published rate with the bank before placing funds.