Make international business payments and save up to 5x with Wise. Choose from 70+ countries and pay overseas staff or suppliers, with no hidden fees or exchange rate markups.
Should arrive by Friday
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) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 127.50 USD | ||||||||||
Transfer fee 5 HKD Exchange rate(1 HKD USD) 0.128139 Exchange rate markup 4.24 HKD Cost of transfer 9.24 HKD | |||||||||||
 | 126.81 USD- 0.69 USD | ||||||||||
Transfer fee 14.55 HKD Exchange rate(1 HKD USD) 0.128685 Exchange rate markup 0 HKD Cost of transfer 14.55 HKD | |||||||||||
 | 119.85 USD- 7.65 USD | ||||||||||
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128177 Exchange rate markup 3.95 HKD Cost of transfer 68.95 HKD | |||||||||||
 | 118.59 USD- 8.91 USD | ||||||||||
Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123405 Exchange rate markup 41.03 HKD Cost of transfer 80.02 HKD | |||||||||||
 | 98.87 USD- 28.63 USD | ||||||||||
Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.128401 Exchange rate markup 2.21 HKD Cost of transfer 232.21 HKD | |||||||||||
To send money in HKD to USD, you pay a small, flat fee of 11.99 HKD + 0.26% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.
Some transfer types have different fees which are usually tiny.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
No subscriptions, no monthly fees. You’ll always see the fee upfront, and only pay for what you use.
Sign up for the fast, easy international business account that saves you money wherever you want to use it.
Should arrive
by Friday
Pay in with your debit card or credit card, or send the money from your online banking. Funding your money transfer with a bank transfer is usually the cheapest way to send money abroad.
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.
Select who you want to send money to and which pay-out method to use. The recipient gets money in their currency directly to their bank account.
Track your payments, convert money at the mid-market rate to 40+ currencies, or pay your business expenses. All from one account.
Connect your Wise account to platforms like Xero, Stripe and Shopify.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Easily connect to your favorite accounting software and save time on admin.
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.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
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.
