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What is the cheapest way to send money abroad?

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Over 12.8 million customers

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Rate guaranteed (37h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee

0 HKD
Our fee

605.96 HKD

Total included fees (0.24%)

605.96 HKD

You could save up to 3,062.13 HKD

Should arrive by Monday

Find the cheapest international money transfer

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 HKD with	Recipient gets(Total after fees)
	126.74 USD
Transfer fee 14.55 HKD Exchange rate(1 HKD USD) 0.128609 Exchange rate markup 0 HKD Cost of transfer 14.55 HKD

	119.84 USD- 6.90 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128172 Exchange rate markup 3.40 HKD Cost of transfer 68.40 HKD

	119.72 USD- 7.02 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128044 Exchange rate markup 4.39 HKD Cost of transfer 69.39 HKD

	118.60 USD- 8.14 USD
Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123409 Exchange rate markup 40.43 HKD Cost of transfer 79.42 HKD

	98.84 USD- 27.90 USD
Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.128369 Exchange rate markup 1.86 HKD Cost of transfer 231.86 HKD

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See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
Read our reviews at Trustpilot.com.

Beste service

Rajinder Singh

Ease!!! That would be the word I would use!🤩🥳😜

Gabriella Lewis

I love using Wise. It's very simple and straightforward to use. The service is very fast, efficient and reliable.

Caroline Kelleher

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Best ways to send money internationally

Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

How to send a cheap money transfer in 3 easy steps

Choose your payment method

Funding your money transfer with a bank transfer is usually the cheapest way to send money abroad.

Get the cheapest rate possible.

Wise always gives you the real and fair mid-market exchange rate. If the rate is not good right now, sign up for Rate alerts to receive an email notification when the rate changes.

Send HKD, receive USD.

The recipient gets money in their currency directly to their bank account.

Create free account now

Things to consider to find a truly cheap way to send money abroad

Fees
Many businesses state low fees or even offer consumers fee-free transfers, but most of the expense of sending money abroad is hidden. The bulk of consumer costs can be concealed in poor exchange rates.
Exchange rates
A quick Google search will show you an exchange rate. But if you compare it to the exchange rate offered by banks and traditional money transfer services, you’ll find their rate is often much worse.
Transfer time
Traditional banks and international money remittances often take several working days. Wise is often much faster: a lot of transfers are completed within 1 business day. Many of our transfers are even instant.

Protecting you and your money

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Sending money is cheap with the Wise app

Looking for an app to send money with low fees? Sending money is easy with Wise app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app