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Send money to Hong Kong
USD
HKD|Updated recentlyMid-market 7.8324Cheapest todayof 7 providers
Wise
Rate 7.8316 · Fee $8.35
You send
$1,000
Recipient gets
HK$7,766
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Hong Kong in May 2026 is Wise, which delivers 7,766.22 HKD on a 1,000 USD transfer with a fee of $8.35 and an exchange rate of 7.8316.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send USD to HKD?
Sending $1,000 from to Hong Kong. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 7.8316·Fee $8.35·0.01% markup
Rate 7.7838·Fee $15.17·0.62% markup
Rate 7.7799·Fee $18.04·0.67% markup
Rate 7.7760·Fee $17.86·0.72% markup
Rate 7.7094·Fee $39.58·1.57% markup
Rate 7.5567·Fee $90.76·3.52% markup
Rate 7.7697·Fee Free·0.80% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Everything you need to know about sending money to Hong Kong. Compare top providers, see HKD exchange rates, understand recipient requirements, delivery methods, regulations, and find the cheapest way to transfer money to Hong Kong.
Hong Kong is a major remittance destination. Whether you're supporting family, paying for services, or sending a gift, choosing the right provider can save you significantly. Banks typically charge 3–5% in hidden exchange rate markups, while specialist services offer rates much closer to the mid-market rate. Use our comparison to find the best deal today.
Which provider offers the best USD to HKD rate?
Wise
4.3Exchange rate
7.8316
Fee
$8.35
Recipient gets
HK$7,766.22
Speed
Instant to 2 days
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 to Hong Kong route.
Cheapest transfer
Wise
Delivers the most HKD for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Hong Kong
How to send money to Hong Kong
Sending money to Hong Kong is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD you want to send, compare providers above, and pick the one offering the best HKD amount for your transfer to Hong Kong.
Step 2
Add your recipient
Enter your recipient's details in Hong Kong — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–3 business days.
What you need to send money to Hong Kong
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as it appears on their bank account
Bank account number
Recipient's bank account number
Bank name
Name of the receiving bank
SWIFT/BIC code
Optional8 or 11-character SWIFT code identifying the bank (may be optional with IBAN)
Note: You need the recipient's bank account number and bank name. Contact the recipient's bank for their SWIFT/BIC code if required.
Transfer examples: USD to HKD
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
7.83 · Instant to 2 days
XE
7.78 · 1-4 business days
CurrencyFair
7.78 · 1-2 business days
OFX
7.78 · 1-3 business days
Remitly
7.71 · Minutes to 3-5 days
Currencies Direct
7.56 · 1-2 business days
ProviderFeeRateReceivesSpeed
Wise$8.357.83HK$3,850Instant to 2 days
XE$15.177.78HK$3,7741-4 business days
CurrencyFair$18.047.78HK$3,7501-2 business days
OFX$17.867.78HK$3,7491-3 business days
Remitly$39.587.71HK$3,550Minutes to 3-5 days
Currencies Direct$90.767.56HK$3,0931-2 business days
Send $1,000
ProviderFeeReceives
Wise
7.83 · Instant to 2 days
XE
7.78 · 1-4 business days
CurrencyFair
7.78 · 1-2 business days
OFX
7.78 · 1-3 business days
Remitly
7.71 · Minutes to 3-5 days
Currencies Direct
7.56 · 1-2 business days
ProviderFeeRateReceivesSpeed
Wise$8.357.83HK$7,766Instant to 2 days
XE$15.177.78HK$7,6661-4 business days
CurrencyFair$18.047.78HK$7,6401-2 business days
OFX$17.867.78HK$7,6371-3 business days
Remitly$39.587.71HK$7,404Minutes to 3-5 days
Currencies Direct$90.767.56HK$6,8711-2 business days
Send $5,000
ProviderFeeReceives
Wise
7.83 · Instant to 2 days
XE
7.78 · 1-4 business days
CurrencyFair
7.78 · 1-2 business days
OFX
7.78 · 1-3 business days
Remitly
7.71 · Minutes to 3-5 days
Currencies Direct
7.56 · 1-2 business days
ProviderFeeRateReceivesSpeed
Wise$16.697.83HK$39,027Instant to 2 days
XE$30.347.78HK$38,6831-4 business days
CurrencyFair$36.087.78HK$38,6191-2 business days
OFX$35.727.78HK$38,6021-3 business days
Remitly$79.167.71HK$37,937Minutes to 3-5 days
Currencies Direct$181.517.56HK$36,4121-2 business days
How much does it cost to send money from to Hong Kong?
Transfer fees to Hong Kong vary by provider and how you pay. Specialist services charge HK$0–10 per transfer, while banks charge $25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total HKD your recipient receives.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (7.8324).
Ways to send money to Hong Kong
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard delivery method for transfers to Hong Kong. Cash pickup is available through international providers like Western Union and MoneyGram.
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
How can my recipient receive money in Hong Kong?
Your recipient in Hong Kong can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–3 business days
Direct transfer to bank accounts in Hong Kong.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from agent locations in Hong Kong.
Western UnionMoneyGram
What are the transfer limits and regulations for Hong Kong?
Important rules and requirements to know before sending money to Hong Kong.
Documentation you may need
- Government-issued photo ID (passport, driver's license, or state ID)
- Proof of address may be required for first-time transfers
Important things to know
- Check your provider's specific limits and requirements for transfers to Hong Kong.
- Transfers over $10,000 (or equivalent) may trigger reporting requirements in your sending country.
How long does it take to send money to Hong Kong?
Most transfers to Hong Kong arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
FastExpress delivery
- WiseInstant to 2 days
- RemitlyMinutes to 3-5 days
Standard delivery
- XE1-4 business days
- CurrencyFair1-2 business days
- OFX1-3 business days
- Currencies Direct1-2 business days
- Regency FXSame day to 2 business days
Common questions about sending money from to Hong Kong
What is the cheapest way to send money to Hong Kong?
The cheapest option depends on how much you're sending and where from. Specialist services like Wise, Remitly, and WorldRemit consistently offer rates 2–5% better than banks. Use our comparison tool to see today's best rates from all providers.
How long does it take to send money to Hong Kong?
Delivery times depend on the provider and method. Mobile wallets and cash pickup are often available within minutes. Bank deposits typically take 1–2 business days. Express options are available from most providers for a small premium.
Is it safe to send money to Hong Kong online?
Yes, all providers we compare are regulated by financial authorities (FCA, FinCEN, ASIC, etc.). Always use licensed providers and verify your recipient's details before sending.
Can I send money to Hong Kong from my bank?
Yes, but banks typically charge 3–5% in hidden exchange rate markups plus $25–50 wire fees. Specialist money transfer services almost always deliver more HKD for the same amount sent.
What are the cheapest providers for sending money to Hong Kong?
The best provider changes based on transfer amount and exchange rate fluctuations. Wise, Remitly, and WorldRemit are consistently competitive. Compare all providers above for today's best rate.
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