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Send money from Hong Kong to Europe(HKD → EUR)
HKD
EUR|Pricing observed Mid-market 0.1099Top-ranked estimateof 10 providers
Western Union
Rate 0.1097 · Fee HK$11.50
You send
HK$5,000
Estimated receipt
€547
€47 more than the lowest estimate · 0.22% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 5,000 HKD to EUR, Western Union ranks first among 10 provider estimates, with an estimated payout of 547.18 EUR. The first-ranked estimate pays 46.98 EUR 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 EUR?
Sending HK$5,000 from Hong Kong to Europe. 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 0.1097·Fee HK$11.50·0.22% markup
Rate 0.1092·Fee HK$31.50·0.67% markup
4
Hang Seng
1-3 business days
€530.42
recipient gets
Rate 0.1080·Fee HK$88.50·1.77% markup
5
China Construction Bank HK
1-3 business days
€528.80
recipient gets
Rate 0.1078·Fee HK$96.00·1.95% markup
6
OCBC Wing Hang Bank
1-3 business days
€528.59
recipient gets
Rate 0.1078·Fee HK$97.00·1.95% markup
7
HSBC HK
1-3 business days
€527.19
recipient gets
Rate 0.1077·Fee HK$103.50·2.04% markup
9
Bank of East Asia
1-3 business days
€514.56
recipient gets
Rate 0.1064·Fee HK$162.50·3.22% markup
Rate 0.1049·Fee HK$230.50·4.59% markup
Rate 0.1091·Fee Free·0.77% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by €46.98 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
Looking for cheap money transfers from Hong Kong to Europe? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
Money transfers from Hong Kong to Europe are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of HKD per year. Use our comparison to find today's best deal.
Which provider offers the best HKD to EUR rate?
Western Union
4.3Exchange rate
0.1097
Fee
HK$11.50
Recipient gets
€547.18
Speed
1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → EUR
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.
KrakenBitcoin · LightningBeats mid-market
HashKey → XRP Ledger (XRP) → Kraken (XRP) · ~3 seconds
550 EUR
0.16% rebate all-in
+
KrakenBitcoin · LightningBeats mid-market
HashKey → XRP Ledger (XRP) → Kraken (XRP) · ~3 seconds
550 EUR
0.16% rebate all-in
- 1HashKey HKD→XRP: 0.12%
- 2XRP Ledger network: 0.000010 XRP
- 3Kraken (XRP): 0.00% spread
- 40.09 EUR withdrawal fee
Also routable via XRP Ledger (XRP), Lightning Network (BTC), Stellar (USDC), Solana (USDC).
Source: CCXT (kraken)
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 Hong Kong to Europe route.
Cheapest transfer
Western Union
Delivers the most EUR 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 Europe
How to send money to Europe
Sending money to Europeis 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 EUR amount for your transfer to Europe.
Step 2
Add your recipient
Enter your recipient's details in Europe — you'll need their iban. 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 Europe
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered on their European bank account
IBAN
IBAN (International Bank Account Number) — length varies by country (e.g. DE: 22 chars, FR: 27 chars, ES: 24 chars)
Example: DE89370400440532013000
BIC/SWIFT code
Optional8 or 11-character bank identifier code (optional for SEPA transfers within EU, required for SWIFT)
Example: COBADEFFXXX
Note: All Eurozone countries use IBAN for bank transfers. For SEPA transfers (the fastest and cheapest option), only the IBAN is required — the BIC/SWIFT code is optional. Each EU country has a different IBAN length and format.
Transfer examples: HKD to EUR
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
Western Union
0.11 · 1 business day
Wise
0.11 · 1-2 business days
InstaReM
0.11 · 1-3 business days
Hang Seng
0.11 · 1-3 business days
China Construction Bank HK
0.11 · 1-3 business days
OCBC Wing Hang Bank
0.11 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$1.140.11€551 business day
WiseHK$2.290.11€541-2 business days
InstaReMHK$3.110.11€541-3 business days
Hang SengHK$8.850.11€531-3 business days
China Construction Bank HKHK$9.630.11€531-3 business days
OCBC Wing Hang BankHK$9.710.11€531-3 business days
Send HK$1,000
ProviderFeeReceives
Western Union
0.11 · 1 business day
Wise
0.11 · 1-2 business days
InstaReM
0.11 · 1-3 business days
Hang Seng
0.11 · 1-3 business days
China Construction Bank HK
0.11 · 1-3 business days
OCBC Wing Hang Bank
0.11 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$2.300.11€1091 business day
WiseHK$4.600.11€1091-2 business days
InstaReMHK$6.200.11€1091-3 business days
Hang SengHK$17.700.11€1061-3 business days
China Construction Bank HKHK$19.300.11€1061-3 business days
OCBC Wing Hang BankHK$19.400.11€1061-3 business days
Send HK$5,000
ProviderFeeReceives
Western Union
0.11 · 1 business day
Wise
0.11 · 1-2 business days
InstaReM
0.11 · 1-3 business days
Hang Seng
0.11 · 1-3 business days
China Construction Bank HK
0.11 · 1-3 business days
OCBC Wing Hang Bank
0.11 · 1-3 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$11.500.11€5471 business day
WiseHK$23.000.11€5451-2 business days
InstaReMHK$31.500.11€5431-3 business days
Hang SengHK$88.500.11€5301-3 business days
China Construction Bank HKHK$96.000.11€5291-3 business days
OCBC Wing Hang BankHK$97.000.11€5291-3 business days
How much does it cost to send money from Hong Kong to Europe?
Transfer fees from Hong Kong to Europe 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 EUR 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 (0.1099).
Ways to send money to Europe
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
SEPA is the gold standard for EUR transfers — it's faster and cheaper than SWIFT. If your provider offers SEPA routing, always choose it over SWIFT for European bank deposits.
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
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Europe?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
SEPA Transfer
Hours to 1 day
Single Euro Payments Area transfer — the standard for EUR payments across 36 European countries. Fast, cheap, and reliable.
WiseRevolutRemitlyWorldRemit+2 more
SEPA Instant
Seconds
Real-time euro transfer available at participating banks. Delivers in under 10 seconds, 24/7.
WiseRevolut
SWIFT Transfer
1–3 business days
Traditional international wire transfer. More expensive and slower than SEPA but available for any bank globally.
OFXXE Money TransferWestern Union
Cash Pickup
Minutes
Collect cash at agent locations across Europe.
Western UnionMoneyGram
What are the transfer limits and regulations for Europe?
Important rules and requirements to know before sending money to Europe.
Regulatory body
European Central Bank (ECB) / National regulators (BaFin, AMF, etc.)
Inbound transfer limits
No general restriction on receiving transfers within the EU/EEA
Documentation you may need
- Sender's government-issued ID
- Proof of address for large transfers
Important things to know
- SEPA transfers are capped at €999,999,999.99 per transaction — effectively unlimited for personal transfers.
- SEPA Instant is available at most major European banks but not all — check with the recipient's bank.
- Post-Brexit, GBP→EUR transfers from the UK may no longer route via SEPA at some banks, resulting in higher fees.
- EU anti-money-laundering regulations require enhanced due diligence for transfers over €10,000.
How long does it take to send money to Europe?
Most transfers from Hong Kong to Europe 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 Europe 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
- Western Union1 business day
- Wise1-2 business days
- InstaReM1-3 business days
- Hang Seng1-3 business days
- China Construction Bank HK1-3 business days
Popular banks in Europe
These are the most commonly used banks for receiving international transfers in Europe.
BankSWIFT/BICNotes
Deutsche Bank (Germany)
DEUTDEFFXXX
BNP Paribas (France)
BNPAFRPPXXX
ING (Netherlands)
INGBNL2AXXX
Santander (Spain)
BSCHESMMXXX
UniCredit (Italy)
UNCRITMM
N26 (Germany)
—
Frequently asked questions
Common questions about sending money from Hong Kong to Europe
What is the cheapest way to send money from Hong Kong to Europe?
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 Europe?
Most specialist providers deliver to Europe 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 Europe?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much EUR your recipient would receive from a HK$5,000 transfer today.
Can I send money from Hong Kong to Europe online?
Yes, all the providers we compare support online transfers from Hong Kong to Europe. 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 Europe?
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 Europe.
More for this corridor
Everything about sending money to Europe
Recipient requirements, delivery methods, regulations, popular banks, and more.
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Useful guides
How does your bank compare?
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