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Send money from Hong Kong to Brazil(HKD → BRL)
HKD
BRL|Pricing observed Mid-market 0.6529Top-ranked estimateof 5 providers
InstaReM
Rate 0.6505 · Fee HK$18.50
You send
HK$5,000
Estimated receipt
R$3,241
R$330 more than the lowest estimate · 0.37% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 5,000 HKD to BRL, InstaReM ranks first among 5 provider estimates, with an estimated payout of 3,240.53 BRL. The first-ranked estimate pays 334.98 BRL 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 BRL?
Sending HK$5,000 from Hong Kong to Brazil. 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 0.6505·Fee HK$18.50·0.37% markup
Rate 0.6365·Fee HK$126.00·2.52% markup
Rate 0.6194·Fee HK$256.50·5.14% markup
Rate 0.6477·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by R$334.98 on a HK$5,000 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
Sending money from Hong Kong to Brazil? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best BRL amount today.
Hong Kong-based expats and immigrants regularly send money to Brazil. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total BRL received from each provider after all fees and markups.
Which provider offers the best HKD to BRL rate?
InstaReM
4.1Exchange rate
0.6505
Fee
HK$18.50
Recipient gets
R$3,240.53
Speed
1-3 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → BRL
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 (BRL) · ~5 seconds
3,282 BRL
0.84% rebate all-in
+
OKXBeats mid-market
HashKey → Stellar (USDC) → OKX (BRL) · ~5 seconds
3,282 BRL
0.84% rebate all-in
- 1HashKey HKD→USDC: 0.12%
- 2Stellar network: 0.000001 USDC
- 3OKX (BRL): 0.00% spread
- 40.00% withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Arbitrum (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.
How to cash out in Brazil →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 Hong Kong to Brazil route.
Cheapest transfer
InstaReM
Delivers the most BRL for your money
Fastest transfer
PayPal
Delivers in Instant to 3 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Brazil
How to send money to Brazil
Sending money to Brazilis straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much HKD you want to send, compare providers above, and pick the one offering the best BRL amount for your transfer to Brazil.
Step 2
Add your recipient
Enter your recipient's details in Brazil — you'll need their cpf number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to Brazil
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as registered with their bank
CPF number
11-digit Cadastro de Pessoas Físicas — Brazil's individual taxpayer number (required for all transfers)
Example: 123.456.789-09
Bank account details
Bank code, branch (agência), and account number including the check digit
PIX key
OptionalPIX key (CPF, email, phone number, or random key) for instant PIX transfers
Note: Brazil requires the recipient's CPF (tax ID number) for all incoming international transfers. PIX is Brazil's instant payment system — if your provider supports it, you only need the recipient's PIX key instead of full bank details.
Transfer examples: HKD to BRL
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
InstaReM
0.65 · 1-3 business days
Wise
0.65 · 1-2 business days
Western Union
0.64 · 1 business day
PayPal
0.62 · Instant to 3 days
OFX
0.62 · 1-3 business days
Regency FX
0.65 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$1.850.65R$3241-3 business days
WiseHK$3.760.65R$3221-2 business days
Western UnionHK$12.600.64R$3101 business day
PayPalHK$25.650.62R$294Instant to 3 days
OFXHK$28.300.62R$2911-3 business days
Regency FXFree0.65R$324Same day to 2 business days
Send HK$1,000
ProviderFeeReceives
InstaReM
0.65 · 1-3 business days
Wise
0.65 · 1-2 business days
Western Union
0.64 · 1 business day
PayPal
0.62 · Instant to 3 days
OFX
0.62 · 1-3 business days
Regency FX
0.65 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$3.700.65R$6481-3 business days
WiseHK$7.500.65R$6431-2 business days
Western UnionHK$25.200.64R$6201 business day
PayPalHK$51.300.62R$588Instant to 3 days
OFXHK$56.600.62R$5811-3 business days
Regency FXFree0.65R$648Same day to 2 business days
Send HK$5,000
ProviderFeeReceives
InstaReM
0.65 · 1-3 business days
Wise
0.65 · 1-2 business days
Western Union
0.64 · 1 business day
PayPal
0.62 · Instant to 3 days
OFX
0.62 · 1-3 business days
Regency FX
0.65 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$18.500.65R$3,2411-3 business days
WiseHK$37.500.65R$3,2161-2 business days
Western UnionHK$126.000.64R$3,1021 business day
PayPalHK$256.500.62R$2,938Instant to 3 days
OFXHK$283.000.62R$2,9061-3 business days
Regency FXFree0.65R$3,239Same day to 2 business days
How much does it cost to send money from Hong Kong to Brazil?
Transfer fees from Hong Kong to Brazil vary by provider. Specialist services charge HK$0–10 per transfer, while banks charge HK$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total BRL your recipient receives, not just the advertised fee.
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 (0.6529).
Ways to send money to Brazil
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
PIX has revolutionized payments in Brazil — it's instant, free, and available 24/7. If your provider supports PIX delivery, it's by far the best option.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Brazil?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
PIX Instant Transfer
Seconds
Brazil's instant payment system — available 24/7, free for individuals. The fastest way to receive money in Brazil.
WiseRemitly
Bank Deposit (TED)
Same day
Same-day bank transfer via TED system during business hours.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from Banco do Brasil branches and other partner locations.
Western UnionMoneyGram
What are the transfer limits and regulations for Brazil?
Important rules and requirements to know before sending money to Brazil.
Regulatory body
Banco Central do Brasil (BCB)
Inbound transfer limits
No restriction on receiving international transfers, but amounts over $10,000 BRL equivalent require reporting
Documentation you may need
- Sender's government-issued ID
- Recipient's CPF (mandatory for all transfers to Brazil)
- Purpose of transfer declaration for amounts over BRL 10,000
Important things to know
- CPF is mandatory — transfers without a valid CPF number will be rejected.
- IOF (Imposto sobre Operações Financeiras) tax of 0.38% applies to incoming international transfers in Brazil.
- PIX operates 24/7/365 including holidays — no banking hours restrictions.
- Brazil's Central Bank requires all foreign exchange operations to be reported through the SISCOMEX system.
How long does it take to send money to Brazil?
Most transfers from Hong Kong to Brazil arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Brazil for a small premium.
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
- InstaReM1-3 business days
- Wise1-2 business days
- Western Union1 business day
- OFX1-3 business days
- Regency FXSame day to 2 business days
Popular banks in Brazil
These are the most commonly used banks for receiving international transfers in Brazil.
BankSWIFT/BICNotes
Banco do Brasil
BRASBRRJXXX
Itaú Unibanco
ITABORJJXXX
Bradesco
BBDEBRSAXXX
Caixa Econômica Federal
CABORJBJXXX
Santander Brasil
BABORJBJXXX
Nubank
—
Frequently asked questions
Common questions about sending money from Hong Kong to Brazil
What is the cheapest way to send money from Hong Kong to Brazil?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Hong Kong to Brazil?
Most specialist providers deliver to Brazil within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send HK$5,000 from Hong Kong to Brazil?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much BRL your recipient would receive from a HK$5,000 transfer today.
Can I send money from Hong Kong to Brazil online?
Yes, all the providers we compare support online transfers from Hong Kong to Brazil. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Brazil?
Money transfer services are almost always cheaper. Banks typically charge HK$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge HK$0–10 with markups under 1%, saving you significantly on every transfer to Brazil.
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Recipient requirements, delivery methods, regulations, popular banks, and more.
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