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Send money from Singapore to Hong Kong(SGD → HKD)
SGD
HKD|Pricing observed Mid-market 6.1912Top-ranked estimateof 8 providers
Remitly
Rate 6.1720 · Fee S$3.10
You send
S$1,000
Estimated receipt
HK$6,153
HK$530 more than the lowest estimate · 0.31% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 SGD to HKD, Remitly ranks first among 8 provider estimates, with an estimated payout of 6,152.83 HKD. Wise has a higher estimated payout by 1.23 HKD; the table uses customer ratings to order closely matched estimates. The first-ranked estimate pays 532.33 HKD 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 Singapore 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 SGD to HKD?
Sending S$1,000 from Singapore to Hong Kong. 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 6.1720·Fee S$3.10·0.31% markup
Rate 6.1348·Fee S$9.10·0.91% markup
4
HSBC Singapore
1-3 business days
HK$6,076.53
recipient gets
Rate 6.1336·Fee S$9.30·0.93% markup
Rate 6.1014·Fee S$14.50·1.45% markup
6
Citibank Singapore
1-3 business days
HK$5,794.07
recipient gets
Rate 5.9893·Fee S$32.60·3.26% markup
Rate 5.8989·Fee S$47.20·4.72% markup
Rate 6.1416·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by HK$532.33 on a S$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
Find the best way to send money from Singapore to Hong Kong. Our comparison tool shows live rates from 15+ providers — see exactly how much HKD your recipient will receive after all fees.
Whether you're supporting family in Hong Kong or paying for business services, finding the cheapest way to send money from Singapore matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best SGD to HKD rate?
Remitly
4.6Exchange rate
6.1720
Fee
S$3.10
Recipient gets
HK$6,152.83
Speed
Minutes
Also available · Digital-asset rails
Crypto & stablecoin routes for SGD → 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
Kraken → Lightning Network (BTC) → HashKey (BTC) · ~1 second
6,173 HKD
0.27% all-in
+
HashKeyBitcoin · Lightning
Kraken → Lightning Network (BTC) → HashKey (BTC) · ~1 second
6,173 HKD
0.27% all-in
- 1Kraken SGD→BTC: 0.26%
- 2Lightning Network network: 0.000001 BTC
- 3HashKey (BTC): 0.04% 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.
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 Singapore to Hong Kong route.
Cheapest transfer
Remitly
Delivers the most HKD for your money
Fastest transfer
Remitly
Delivers in Minutes
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Remitly
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 SGD 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. 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 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: SGD to HKD
See how much your recipient would get for common transfer amounts.
Send S$500
ProviderFeeReceives
Remitly
6.17 · Minutes
Wise
6.17 · 1-2 business days
InstaReM
6.13 · 1-3 business days
HSBC Singapore
6.13 · 1-3 business days
Western Union
6.10 · 1 business day
Citibank Singapore
5.99 · 1-3 business days
ProviderFeeRateReceivesSpeed
RemitlyS$1.556.17HK$3,076Minutes
WiseS$1.506.17HK$3,0771-2 business days
InstaReMS$4.556.13HK$3,0391-3 business days
HSBC SingaporeS$4.656.13HK$3,0381-3 business days
Western UnionS$7.256.10HK$3,0061 business day
Citibank SingaporeS$16.305.99HK$2,8971-3 business days
Send S$1,000
ProviderFeeReceives
Remitly
6.17 · Minutes
Wise
6.17 · 1-2 business days
InstaReM
6.13 · 1-3 business days
HSBC Singapore
6.13 · 1-3 business days
Western Union
6.10 · 1 business day
Citibank Singapore
5.99 · 1-3 business days
ProviderFeeRateReceivesSpeed
RemitlyS$3.106.17HK$6,153Minutes
WiseS$3.006.17HK$6,1541-2 business days
InstaReMS$9.106.13HK$6,0791-3 business days
HSBC SingaporeS$9.306.13HK$6,0771-3 business days
Western UnionS$14.506.10HK$6,0131 business day
Citibank SingaporeS$32.605.99HK$5,7941-3 business days
Send S$5,000
ProviderFeeReceives
Remitly
6.17 · Minutes
Wise
6.17 · 1-2 business days
InstaReM
6.13 · 1-3 business days
HSBC Singapore
6.13 · 1-3 business days
Western Union
6.10 · 1 business day
Citibank Singapore
5.99 · 1-3 business days
ProviderFeeRateReceivesSpeed
RemitlyS$15.506.17HK$30,764Minutes
WiseS$15.006.17HK$30,7701-2 business days
InstaReMS$45.506.13HK$30,3951-3 business days
HSBC SingaporeS$46.506.13HK$30,3831-3 business days
Western UnionS$72.506.10HK$30,0651 business day
Citibank SingaporeS$163.005.99HK$28,9701-3 business days
How much does it cost to send money from Singapore to Hong Kong?
Transfer fees from Singapore to Hong Kong vary by provider. Specialist services charge S$0–10 per transfer, while banks charge S$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, 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 S$0–S$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (6.1912).
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?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
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 from Singapore to Hong Kong 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 Hong Kong 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
- RemitlyMinutes
- PayPalInstant to 3 days
Standard delivery
- Wise1-2 business days
- InstaReM1-3 business days
- HSBC Singapore1-3 business days
- Western Union1 business day
- Citibank Singapore1-3 business days
Frequently asked questions
Common questions about sending money from Singapore to Hong Kong
What is the cheapest way to send money from Singapore to Hong Kong?
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 Singapore to Hong Kong?
Most specialist providers deliver to Hong Kong 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 S$1,000 from Singapore to Hong Kong?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much HKD your recipient would receive from a S$1,000 transfer today.
Can I send money from Singapore to Hong Kong online?
Yes, all the providers we compare support online transfers from Singapore to Hong Kong. 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 Hong Kong?
Money transfer services are almost always cheaper. Banks typically charge S$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge S$0–10 with markups under 1%, saving you significantly on every transfer to Hong Kong.
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Everything about sending money to Hong Kong
Recipient requirements, delivery methods, regulations, popular banks, and more.
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