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Convert HKD to SGD
HKD
SGD|Pricing observed Mid-market 0.1615Top-ranked estimateof 10 providers
Western Union
Rate 0.1610 · Fee HK$3.20
You send
HK$1,000
Estimated receipt
S$160
S$14 more than the lowest estimate · 0.32% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 HKD to SGD, Western Union ranks first among 10 provider estimates, with an estimated payout of 160.49 SGD. The first-ranked estimate pays 13.61 SGD 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 SGD?
Sending HK$1,000 from HKD to SGD. 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 0.1610·Fee HK$3.20·0.32% markup
Rate 0.1603·Fee HK$7.60·0.76% markup
4
Hang Seng
1-3 business days
S$157.00
recipient gets
Rate 0.1592·Fee HK$14.10·1.44% markup
5
HSBC HK
1-3 business days
S$155.41
recipient gets
Rate 0.1584·Fee HK$19.10·1.93% markup
6
OCBC Wing Hang Bank
1-3 business days
S$155.03
recipient gets
Rate 0.1582·Fee HK$20.30·2.06% markup
7
China Construction Bank HK
1-3 business days
S$154.81
recipient gets
Rate 0.1581·Fee HK$21.00·2.12% markup
9
Bank of East Asia
1-3 business days
S$151.29
recipient gets
Rate 0.1563·Fee HK$32.20·3.23% markup
Rate 0.1540·Fee HK$46.40·4.66% markup
Rate 0.1602·Fee Free·0.82% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by S$13.61 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 SGD 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 Singapore Dollar.
The HKD/SGD 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 SGD amount you'll receive from each provider after all fees and exchange rate markups.
Which provider offers the best HKD to SGD rate?
Western Union
4.3Exchange rate
0.1610
Fee
HK$3.20
Recipient gets
S$160.49
Speed
1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → SGD
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.
OKXBeats mid-market
HashKey → Stellar (USDC) → OKX (SGD) · ~5 seconds
162 SGD
0.04% rebate all-in
+
OKXBeats mid-market
HashKey → Stellar (USDC) → OKX (SGD) · ~5 seconds
162 SGD
0.04% rebate all-in
- 1HashKey HKD→USDC: 0.12%
- 2Stellar network: 0.000001 USDC
- 3OKX (SGD): 0.02% spread
- 40 SGD withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Avalanche (USDC).
Source: CCXT (okx)
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 SGD route.
Cheapest transfer
Western Union
Delivers the most SGD 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 SGD
Transfer examples: HKD to SGD
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
Western Union
0.16 · 1 business day
Wise
0.16 · 1-2 business days
InstaReM
0.16 · 1-3 business days
Hang Seng
0.16 · 1-3 business days
HSBC HK
0.16 · 1-3 business days
OCBC Wing Hang Bank
0.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$1.600.16S$801 business day
WiseHK$2.810.16S$801-2 business days
InstaReMHK$3.800.16S$801-3 business days
Hang SengHK$7.050.16S$791-3 business days
HSBC HKHK$9.540.16S$781-3 business days
OCBC Wing Hang BankHK$10.150.16S$781-3 business days
Send HK$1,000
ProviderFeeReceives
Western Union
0.16 · 1 business day
Wise
0.16 · 1-2 business days
InstaReM
0.16 · 1-3 business days
Hang Seng
0.16 · 1-3 business days
HSBC HK
0.16 · 1-3 business days
OCBC Wing Hang Bank
0.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$3.200.16S$1601 business day
WiseHK$5.600.16S$1601-2 business days
InstaReMHK$7.600.16S$1591-3 business days
Hang SengHK$14.100.16S$1571-3 business days
HSBC HKHK$19.100.16S$1551-3 business days
OCBC Wing Hang BankHK$20.300.16S$1551-3 business days
Send HK$5,000
ProviderFeeReceives
Western Union
0.16 · 1 business day
Wise
0.16 · 1-2 business days
InstaReM
0.16 · 1-3 business days
Hang Seng
0.16 · 1-3 business days
HSBC HK
0.16 · 1-3 business days
OCBC Wing Hang Bank
0.16 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$16.000.16S$8021 business day
WiseHK$28.000.16S$7991-2 business days
InstaReMHK$38.000.16S$7951-3 business days
Hang SengHK$70.000.16S$7851-3 business days
HSBC HKHK$95.500.16S$7771-3 business days
OCBC Wing Hang BankHK$101.500.16S$7751-3 business days
How much does it cost to convert HKD to SGD?
Fees for HKD to SGD 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 SGD 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 (0.1615).
How long does a HKD to SGD transfer take?
Delivery times for HKD to SGD 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
- Wise1-2 business days
- InstaReM1-3 business days
- Hang Seng1-3 business days
- HSBC HK1-3 business days
Frequently asked questions
Common questions about sending money from HKD to SGD
What is the best HKD to SGD exchange rate today?
Exchange rates change constantly. Use our comparison table above to see real-time HKD to SGD 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 SGD?
Specialist transfer providers like Wise, Remitly, and OFX typically offer the best total value. Compare the total SGD received (after fees and rate markup) rather than just the fee or rate alone.
How long does a HKD to SGD 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 SGD?
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
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How does your bank compare?
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