Loading...
Convert HKD to JPY
HKD
JPY|Pricing observed Mid-market 19.5790Top-ranked estimateof 9 providers
Western Union
Rate 19.4615 · Fee HK$6.00
You send
HK$1,000
Estimated receipt
¥19,345
¥1,600 more than the lowest estimate · 0.60% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 HKD to JPY, Western Union ranks first among 9 provider estimates, with an estimated payout of 19,344.72 JPY. The first-ranked estimate pays 1,611.41 JPY more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Hong Kong specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send HKD to JPY?
Sending HK$1,000 from HKD to JPY. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 19.4615·Fee HK$6.00·0.60% markup
3
China Construction Bank HK
1-3 business days
¥18,861.24
recipient gets
Rate 19.2168·Fee HK$18.50·1.85% markup
4
Hang Seng
1-3 business days
¥18,842.03
recipient gets
Rate 19.2070·Fee HK$19.00·1.90% markup
5
HSBC HK
1-3 business days
¥18,757.61
recipient gets
Rate 19.1639·Fee HK$21.20·2.12% markup
6
OCBC Wing Hang Bank
1-3 business days
¥18,742.29
recipient gets
Rate 19.1561·Fee HK$21.60·2.16% markup
8
Bank of East Asia
1-3 business days
¥18,047.73
recipient gets
Rate 18.7978·Fee HK$39.90·3.99% markup
Rate 18.6333·Fee HK$48.30·4.83% markup
Rate 19.4223·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by ¥1,611.41 on a HK$1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
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.
Which provider offers the best HKD to JPY rate?
Western Union
4.3Exchange rate
19.4615
Fee
HK$6.00
Recipient gets
¥19,344.72
Speed
1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → JPY
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
19,518 JPY
0.45% all-in
+
CoincheckBitcoin · Lightning
HashKey → Lightning Network (BTC) → Coincheck (BTC) · ~1 second
19,518 JPY
0.45% all-in
- 1HashKey HKD→BTC: 0.12%
- 2Lightning Network network: 0.000001 BTC
- 3Coincheck (BTC): 0.01% spread
- 4407 JPY withdrawal fee
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.
Guides, fees & how it works
Which provider is best for each transfer type?
Different 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
Transfer examples: HKD to JPY
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
Western Union
19.46 · 1 business day
Wise
19.41 · ~2 business days
China Construction Bank HK
19.22 · 1-3 business days
Hang Seng
19.21 · 1-3 business days
HSBC HK
19.16 · 1-3 business days
OCBC Wing Hang Bank
19.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$3.0019.46¥9,6721 business day
WiseHK$4.2519.41¥9,624~2 business days
China Construction Bank HKHK$9.2519.22¥9,4311-3 business days
Hang SengHK$9.5019.21¥9,4211-3 business days
HSBC HKHK$10.6019.16¥9,3791-3 business days
OCBC Wing Hang BankHK$10.8019.16¥9,3711-3 business days
Send HK$1,000
ProviderFeeReceives
Western Union
19.46 · 1 business day
Wise
19.41 · ~2 business days
China Construction Bank HK
19.22 · 1-3 business days
Hang Seng
19.21 · 1-3 business days
HSBC HK
19.16 · 1-3 business days
OCBC Wing Hang Bank
19.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$6.0019.46¥19,3451 business day
WiseHK$8.5019.41¥19,248~2 business days
China Construction Bank HKHK$18.5019.22¥18,8611-3 business days
Hang SengHK$19.0019.21¥18,8421-3 business days
HSBC HKHK$21.2019.16¥18,7581-3 business days
OCBC Wing Hang BankHK$21.6019.16¥18,7421-3 business days
Send HK$5,000
ProviderFeeReceives
Western Union
19.46 · 1 business day
Wise
19.41 · ~2 business days
China Construction Bank HK
19.22 · 1-3 business days
Hang Seng
19.21 · 1-3 business days
HSBC HK
19.16 · 1-3 business days
OCBC Wing Hang Bank
19.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$30.0019.46¥96,7241 business day
WiseHK$42.5019.41¥96,238~2 business days
China Construction Bank HKHK$92.5019.22¥94,3061-3 business days
Hang SengHK$95.0019.21¥94,2101-3 business days
HSBC HKHK$106.0019.16¥93,7881-3 business days
OCBC Wing Hang BankHK$108.0019.16¥93,7111-3 business days
How much does it cost to convert HKD to JPY?
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.
Understanding the total cost
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 (19.5790).
How long does a HKD to JPY transfer take?
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.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- PayPalInstant to 3 days
Standard delivery
- Western Union1 business day
- Wise~2 business days
- China Construction Bank HK1-3 business days
- Hang Seng1-3 business days
- HSBC HK1-3 business days
Frequently asked questions
Common questions about sending money from HKD to JPY
What is the best HKD to JPY exchange rate today?
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.
What is the cheapest way to convert HKD to JPY?
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.
How long does a HKD to JPY transfer take?
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.
Is it cheaper to use a bank or a specialist provider for HKD to JPY?
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.
More for this corridor
More transfers from Hong Kong
Other routes to Japan
Popular corridors
Top provider reviews
Useful guides
Banking tools
How does your bank compare?
Compare all providers for HKD to JPY
Enter your exact amount in the comparison tool above to see personalised quotes from every provider on this route.
Compare providers now