International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Savings on this transfer, and eligible transfers for the rest of the month.
International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Savings on this transfer, and eligible transfers for the rest of the month.
See how much it costs to send money abroad
The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.
 Bank of East Asia |  Hang Seng |  Wise | |
|---|---|---|---|
Recipient gets (Total after fees) | 31,849.66 USD | 31,834.72 USD | 31,826.55 USD |
Exchange rate (1 HKDUSD) | 0.127516 | 0.127372 | 0.127832 |
Exchange rate markup | 618.07 HKD | 899.62 HKD | 0 HKD |
Transfer fee | 230 HKD | 65 HKD | 1,028.27 HKD |
Total transfer cost | 848.07 HKD | 964.62 HKD | 1,028.27 HKD |
We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.
How to send money internationally
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 your 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.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team
How we keep your money safe
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
- Your money, not oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Best ways to send money internationally with WISE
The best way to send Hong Kong dollar to United States dollar is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
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 receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
ACH
ACH
You’ll need to enter the recipient’s personal and banking information to make sure their payment can be processed quickly and securely. Learn more about ACH payments.
Wire
Wire
A wire transfer is a convenient payment method. To make a transfer you’ll need your recipient’s personal and account details. Learn more about Wire transfers.
Swift
Swift
To send a quick and secure Swift payment, all you'll need is your recipient’s IBAN number. It’s that easy. Learn more about Swift payments.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money abroad
The cheapest way to send 250,000 HKD to USD is by using money that's in your Wise account and costs 1,025.23 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
HKD
USD
| Sending 250,000 HKD | Transfer cost | ||
|---|---|---|---|
| Wise account | 1,025.23 HKD | ||
| Bank transfer | 1,028.27 HKD | ||
Fastest way to send money abroad
Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
HKD
USD
| Sending 250,000 HKD | Should arrive | ||
|---|---|---|---|
| Wise account | by Monday | ||
| Bank transfer | by Monday | ||
Send money from Hong Kong with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money from Hong Kong with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
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Frequently asked questions
See where Wise works
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