Send money overseas
Send money overseas from our website or mobile app, in just a few clicks.
Should arrive in 11 hours
Find out how much it costs to send money overseas
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) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 126.63 USD | ||||||||||
Transfer fee 14.55 HKD Exchange rate(1 HKD USD) 0.128496 Exchange rate markup 0 HKD Cost of transfer 14.55 HKD | |||||||||||
 | 119.83 USD- 6.80 USD | ||||||||||
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128156 Exchange rate markup 2.65 HKD Cost of transfer 67.65 HKD | |||||||||||
 | 119.67 USD- 6.96 USD | ||||||||||
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.127989 Exchange rate markup 3.95 HKD Cost of transfer 68.95 HKD | |||||||||||
 | 118.46 USD- 8.17 USD | ||||||||||
Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123266 Exchange rate markup 40.71 HKD Cost of transfer 79.70 HKD | |||||||||||
 | 98.80 USD- 27.83 USD | ||||||||||
Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.128308 Exchange rate markup 1.46 HKD Cost of transfer 231.46 HKD | |||||||||||
How to send money overseas in 3 easy steps
Enter amount to send in HKD.
Pay in HKD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send HKD, receive USD.
The recipient gets money in USD directly from Wise’s local bank account.
Money transfer fees
How much does it cost to send money overseas?
To send money overseas with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Delivery time for money transfers overseas from Hong Kong
90% of all money transfers from Hong Kong are delivered in 1 business day from the moment we receive payment.
We do everything to complete your money transfer as soon as possible - the final delivery time of your transfer depends on your chosen payment method, where are you sending to and from or when your payment arrives to our account.
As an FCA regulated company we occasionally need to run security checks and request extra documentation, which might have impact on your delivery time.
Your transfer route
Should arrive
in 11 hoursBest 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.Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
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.
Send money overseas with the Wise app
Looking for an app to send money overseas? 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.
Wise works nearly everywhere
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.
