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Western Union
Rate 20.2584 · Fee HK$3.40
You send
HK$1,000
Recipient gets
¥20,190
¥25 more than the most expensive provider · 0.34% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The best HKD to JPY exchange rate in August 2026 is offered by Western Union, delivering 20,189.55 JPY on a 1,000 HKD transfer with a fee of HK$3.40. According to SendMoneyCompare's comparison of 10 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 25 JPY.
Last reviewed: by Awais Imran, Reviews Editor
Sending HK$1,000 from HKD to JPY. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
Potential savings: Choosing the best provider over the most expensive saves your recipient ¥24.63 on a HK$1,000 transfer.
Looking for the best HKD to JPY exchange rate? Compare real-time rates, fees, and delivery times from 15+ money transfer providers to find the cheapest way to convert Hong Kong Dollar to Japanese Yen.
The HKD/JPY exchange rate fluctuates throughout the day. Specialist money transfer providers typically offer rates 1–4% better than banks, which can mean significant savings on every transfer. Our comparison shows you the exact JPY amount you'll receive from each provider after all fees and exchange rate markups.
Exchange rate
20.2584
Fee
HK$3.40
Recipient gets
¥20,189.55
Speed
1 business day
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
CoincheckBitcoin · Lightning
HashKey → Lightning Network (BTC) → Coincheck (BTC) · ~1 second
20,258 JPY
0.25% all-in
Source: Coincheck REST API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
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Example alert
GBP → INR · cheapest just changed
Sending £1,000 today? The top provider on this corridor now lands about ₹1,180 more than yesterday’s best — the bank wire is still ₹9,400 behind.
sendmoneycompare.com/send-money/uk-to-india
09:12USD → PHP · watch the funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is now the cheaper route on this corridor.
Thu 16:40Different providers excel at different things. Here's who's best for each use case on the HKD to JPY route.
Cheapest transfer
Western Union
Delivers the most JPY for your money
Fastest transfer
PayPal
Delivers in Instant to 3 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
Western Union
Best rate for bank deposit to JPY
See how much your recipient would get for common transfer amounts.
Western Union
20.26 · 1 business day
Wise
20.20 · 1-2 business days
Hang Seng
20.03 · 1-3 business days
China Construction Bank HK
19.99 · 1-3 business days
HSBC HK
19.99 · 1-3 business days
OCBC Wing Hang Bank
19.99 · 1-3 business days
Western Union
20.26 · 1 business day
Wise
20.20 · 1-2 business days
Hang Seng
20.03 · 1-3 business days
China Construction Bank HK
19.99 · 1-3 business days
HSBC HK
19.99 · 1-3 business days
OCBC Wing Hang Bank
19.99 · 1-3 business days
Western Union
20.26 · 1 business day
Wise
20.20 · 1-2 business days
Hang Seng
20.03 · 1-3 business days
China Construction Bank HK
19.99 · 1-3 business days
HSBC HK
19.99 · 1-3 business days
OCBC Wing Hang Bank
19.99 · 1-3 business days
Fees for HKD to JPY transfers vary by provider — from free to HK$5–10 with specialist services. Banks typically charge HK$25–50 per wire plus a 2–5% exchange rate markup. The bigger cost factor is usually the exchange rate markup, not the fee. Always compare the total JPY received.
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically HK$0–HK$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (20.3275).
Delivery times for HKD to JPY transfers range from minutes (with express options) to 3–5 business days for standard bank wires. Most specialist providers deliver within 1–2 business days.
Exchange rates change constantly. Use our comparison table above to see real-time HKD to JPY rates from every provider. The mid-market rate is shown for reference — look for providers offering rates closest to it.
Specialist transfer providers like Wise, Remitly, and OFX typically offer the best total value. Compare the total JPY received (after fees and rate markup) rather than just the fee or rate alone.
Transfer speeds vary by provider: some deliver within minutes, while standard bank wires take 2–5 business days. Express options are available from most specialist providers for a small additional fee.
Specialist providers are almost always cheaper. Banks typically charge HK$25–50 per transfer plus a 2–5% exchange rate markup. Specialist providers like Wise, Revolut, and Remitly charge HK$0–10 with markups under 1%, saving you significantly on every transfer.
Enter your exact amount to see personalised quotes from every provider on this route.
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