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Send money to Hong Kong
USD
HKD|Updated recentlyMid-market 7.8442Cheapest todayof 11 providers
InstaReM
Rate 7.7885 · Fee $7.10
You send
$1,000
Recipient gets
HK$7,733
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Hong Kong in August 2026 is InstaReM, which delivers 7,733.17 HKD on a 1,000 USD transfer with a fee of $7.10 and an exchange rate of 7.7885.
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 7.7885·Fee $7.10·0.71% markup
Rate 7.7618·Fee $10.50·1.05% markup
Rate 7.7477·Fee $12.30·1.23% markup
Rate 7.7132·Fee $16.70·1.67% markup
Rate 7.7971·Fee $30.18·0.60% markup
Rate 7.7932·Fee $36.03·0.65% markup
Rate 7.6496·Fee $24.80·2.48% markup
Rate 7.6175·Fee $28.90·2.89% markup
Rate 7.4912·Fee $45.00·4.50% markup
Rate 7.5696·Fee $100.00·3.50% markup
Rate 7.7814·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?
InstaReM
4.0Exchange rate
7.7885
Fee
$7.10
Recipient gets
HK$7,733.17
Speed
1-3 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for USD → HKD
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.
HashKeyBitcoin · Lightning
Strike → Lightning Network (BTC) → HashKey (BTC) · ~1 second
7,843 HKD
0.03% all-in
+
HashKeyBitcoin · Lightning
Strike → Lightning Network (BTC) → HashKey (BTC) · ~1 second
7,843 HKD
0.03% all-in
- 1Strike USD→BTC: FREE
- 2Lightning Network network: 0.000001 BTC
- 3HashKey (BTC): 0.00% spread
- 40 HKD withdrawal fee
Also routable via Lightning Network (BTC), Stellar (USDC), Solana (USDC), Polygon (USDC).
Source: HashKey HK 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.
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Example alert
GBP → INR · cheapest just changed
Sending £1,000 today? The top provider on this corridor now lands about ₹1,180 more than yesterday’s best — the bank wire is still ₹9,400 behind.
sendmoneycompare.com/send-money/uk-to-india
09:12USD → PHP · watch the funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is now the cheaper route on this corridor.
Thu 16:40Guides, 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 to Hong Kong route.
Cheapest transfer
InstaReM
Delivers the most HKD for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Hong Kong
How to send money to Hong Kong
Sending money to Hong Kongis 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
InstaReM
7.79 · 1-3 business days
Wise
7.76 · ~13 hours
Western Union
7.75 · 1 business day
Remitly
7.71 · Minutes to 3-5 days
OFX
7.65 · 1-3 business days
Xoom (PayPal)
7.62 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
InstaReM$3.557.79HK$3,8671-3 business days
Wise$5.257.76HK$3,840~13 hours
Western Union$6.157.75HK$3,8261 business day
Remitly$8.357.71HK$3,792Minutes to 3-5 days
OFX$12.407.65HK$3,7301-3 business days
Xoom (PayPal)$14.457.62HK$3,699Minutes to 3 days
Send $1,000
ProviderFeeReceives
InstaReM
7.79 · 1-3 business days
Wise
7.76 · ~13 hours
Western Union
7.75 · 1 business day
Remitly
7.71 · Minutes to 3-5 days
XE Money Transfer
7.80 · 1-4 business days
CurrencyFair
7.79 · 1-2 business days
ProviderFeeRateReceivesSpeed
InstaReM$7.107.79HK$7,7331-3 business days
Wise$10.507.76HK$7,680~13 hours
Western Union$12.307.75HK$7,6521 business day
Remitly$16.707.71HK$7,584Minutes to 3-5 days
XE Money Transfer$30.187.80HK$7,5621-4 business days
CurrencyFair$36.037.79HK$7,5121-2 business days
Send $5,000
ProviderFeeReceives
Wise
7.84 · Instant to 2 days
XE Money Transfer
7.80 · 1-4 business days
CurrencyFair
7.79 · 1-2 business days
InstaReM
7.79 · 1-3 business days
OFX
7.79 · 1-3 business days
Western Union
7.75 · 1 business day
ProviderFeeRateReceivesSpeed
Wise$16.687.84HK$39,090Instant to 2 days
XE Money Transfer$30.187.80HK$38,7501-4 business days
CurrencyFair$36.037.79HK$38,6851-2 business days
InstaReM$35.507.79HK$38,6661-3 business days
OFX$36.897.79HK$38,6471-3 business days
Western Union$61.507.75HK$38,2621 business day
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 (7.8442).
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
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
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
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- Wise~13 hours
- Western Union1 business day
- XE Money Transfer1-4 business days
- CurrencyFair1-2 business days
Frequently asked questions
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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