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Convert USD to HKD
USD
HKD|Updated Mid-market 7.8420Cheapest todayof 10 providers
InstaReM
Rate 7.7871 · Fee $7.00
You send
$1,000
Recipient gets
HK$7,733
Affiliate link · No extra cost to you
Quick answer: The best USD to HKD exchange rate in September 2026 is offered by InstaReM, delivering 7,732.59 HKD on a 1,000 USD transfer with a fee of $7.00.
Quotes updated: — collected automatically from provider APIs every 6 hours. How we collect and rank quotes.
What is the cheapest way to send USD to HKD?
Sending $1,000 from USD to HKD. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient getsSend
Rate 7.7871·Fee $7.00·0.70% markup
Rate 7.7463·Fee $12.20·1.22% markup
Rate 7.7118·Fee $16.60·1.66% markup
Rate 7.7942·Fee $30.15·0.61% markup
Rate 7.7902·Fee $36.17·0.66% markup
Rate 7.4883·Fee $45.10·4.51% markup
Rate 7.5667·Fee $100.00·3.51% markup
Rate 7.7793·Fee Free·0.80% markup
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 the best USD to HKD exchange rate? Compare real-time rates, fees, and delivery times from 15+ money transfer providers to find the cheapest way to convert US Dollar to Hong Kong Dollar.
The USD/HKD exchange rate fluctuates throughout the day. Specialist money transfer providers typically offer rates 1–4% better than banks, which can mean significant savings on every transfer. Our comparison shows you the exact HKD amount you'll receive from each provider after all fees and exchange rate markups.
Which provider offers the best USD to HKD rate?
InstaReM
4.1Exchange rate
7.7871
Fee
$7.00
Recipient gets
HK$7,732.59
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.
HashKeyBeats mid-market
Coinbase → Stellar (USDC) → HashKey · ~5 seconds
7,843 HKD
0.04% rebate all-in
+
HashKeyBeats mid-market
Coinbase → Stellar (USDC) → HashKey · ~5 seconds
7,843 HKD
0.04% rebate all-in
- 1Coinbase USD→USDC: FREE
- 2Stellar network: 0.000001 USDC
- 3HashKey: 0.01% spread
- 40 HKD withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Arbitrum (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.
SendMoneyCompare
WhatsApp Channel · Free
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Example alert
USD → HKD · cheapest just changed
Sending 1,000 USD today? The cheapest provider on this corridor changed overnight — same money in, more HKD out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/usd-to-hkd
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
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 USD to HKD 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 HKD
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 · ~7 hours
Western Union
7.75 · 1 business day
Remitly
7.71 · Minutes to 3-5 days
OFX
7.65 · 1-3 business days
XE Money Transfer
7.79 · 1-4 business days
ProviderFeeRateReceivesSpeed
InstaReM$3.507.79HK$3,8661-3 business days
Wise$5.157.76HK$3,841~7 hours
Western Union$6.107.75HK$3,8261 business day
Remitly$8.307.71HK$3,792Minutes to 3-5 days
OFX$12.307.65HK$3,7301-3 business days
XE Money Transfer$30.157.79HK$3,6621-4 business days
Send $1,000
ProviderFeeReceives
InstaReM
7.79 · 1-3 business days
Wise
7.76 · ~7 hours
Western Union
7.75 · 1 business day
Remitly
7.71 · Minutes to 3-5 days
XE Money Transfer
7.79 · 1-4 business days
CurrencyFair
7.79 · 1-2 business days
ProviderFeeRateReceivesSpeed
InstaReM$7.007.79HK$7,7331-3 business days
Wise$10.307.76HK$7,681~7 hours
Western Union$12.207.75HK$7,6521 business day
Remitly$16.607.71HK$7,584Minutes to 3-5 days
XE Money Transfer$30.157.79HK$7,5591-4 business days
CurrencyFair$36.177.79HK$7,5081-2 business days
Send $5,000
ProviderFeeReceives
Wise
7.84 · Instant to 2 days
XE Money Transfer
7.79 · 1-4 business days
CurrencyFair
7.79 · 1-2 business days
OFX
7.78 · 1-3 business days
InstaReM
7.79 · 1-3 business days
Western Union
7.75 · 1 business day
ProviderFeeRateReceivesSpeed
Wise$16.697.84HK$39,075Instant to 2 days
XE Money Transfer$30.157.79HK$38,7361-4 business days
CurrencyFair$36.177.79HK$38,6691-2 business days
OFX$36.777.78HK$38,6341-3 business days
InstaReM$35.007.79HK$38,6631-3 business days
Western Union$61.007.75HK$38,2591 business day
How much does it cost to convert USD to HKD?
Fees for USD to HKD transfers vary by provider — from free to $5–10 with specialist services. Banks typically charge $25–50 per wire plus a 2–5% exchange rate markup. The bigger cost factor is usually the exchange rate markup, not the fee. Always compare the total HKD received.
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 (7.8420).
How long does a USD to HKD transfer take?
Delivery times for USD to HKD transfers range from minutes (with express options) to 3–5 business days for standard bank wires. Most specialist providers deliver within 1–2 business days.
FastExpress delivery
- RemitlyMinutes to 3-5 days
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- Wise~7 hours
- Western Union1 business day
- XE Money Transfer1-4 business days
- CurrencyFair1-2 business days
Frequently asked questions
Common questions about sending money from USD to HKD
What is the best USD to HKD exchange rate today?
Exchange rates change constantly. Use our comparison table above to see real-time USD to HKD rates from every provider. The mid-market rate is shown for reference — look for providers offering rates closest to it.
What is the cheapest way to convert USD to HKD?
Specialist transfer providers like Wise, Remitly, and OFX typically offer the best total value. Compare the total HKD received (after fees and rate markup) rather than just the fee or rate alone.
How long does a USD to HKD transfer take?
Transfer speeds vary by provider: some deliver within minutes, while standard bank wires take 2–5 business days. Express options are available from most specialist providers for a small additional fee.
Is it cheaper to use a bank or a specialist provider for USD to HKD?
Specialist providers are almost always cheaper. Banks typically charge $25–50 per transfer plus a 2–5% exchange rate markup. Specialist providers like Wise, Revolut, and Remitly charge $0–10 with markups under 1%, saving you significantly on every transfer.
More for this corridor
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Banking tools
How does your bank compare?
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