Send money with a debit card

Send money with a debit card from our website or mobile app, in just a few clicks. Join over 10 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 10 million customers
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  • 18.39 HKDOur fee
  • 60.99 HKDTotal fees
  • =
    939.01 HKDTotal amount we’ll convert
  • ×

Should arrive by Monday

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Sending 1,000 HKD withRecipient gets(Total after fees)
126.98 USD
Transfer fee
Exchange rate(1 HKD USD)
Exchange rate markup
0.62 HKD

Cost of transfer
8.62 HKD

Western Union
126.96 USD- 0.02 USD
Transfer fee
Exchange rate(1 HKD USD)
Exchange rate markup
3.79 HKD

Cost of transfer
8.79 HKD

125.71 USD- 1.27 USD
Transfer fee
18.54 HKD
Exchange rate(1 HKD USD)
Exchange rate markup

Cost of transfer
18.54 HKD

119.28 USD- 7.70 USD
Transfer fee
65 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
3.95 HKD

Cost of transfer
68.95 HKD

118.15 USD- 8.83 USD
Transfer fee
38.99 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
40.12 HKD

Cost of transfer
79.11 HKD

118.11 USD- 8.87 USD
Transfer fee
60 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
18.99 HKD

Cost of transfer
78.99 HKD

China Construction Bank 中国建设银行
114.86 USD- 12.12 USD
Transfer fee
100 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
3.58 HKD

Cost of transfer
103.58 HKD

OCBC Wing Hang
113.20 USD- 13.78 USD
Transfer fee
115 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
1.30 HKD

Cost of transfer
116.30 HKD

BEA 東亞銀行
98.48 USD- 28.50 USD
Transfer fee
230 HKD
Exchange rate(1 HKD USD)
Exchange rate markup
1.44 HKD

Cost of transfer
231.44 HKD
This applies when you pay in via bank transfer. How do we collect this data?

How to send money with a debit card in 3 easy steps

What is Debit Card money transfer?

Making a debit card transfer is easy and convenient, and can come with speedy delivery times, too. You’ll see an estimate of your payment’s arrival time before you confirm your transfer - but paying by card can often be a fast way of getting your money moving.

You can make a debit card money transfer with Wise using a Visa or Mastercard debit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Some Maestro debit cards are also supported - but unfortunately, you can’t make a Wise debit card money transfer using an American Express card.

Your card will need to have a 16 digit number, an expiry date, and be 3D security enabled - this helps us keep you and your money safe.

There are also a small number of other specific situations in which you can’t make a Wise debit card money transfer, depending on where your card was issued, where your Wise account is registered, and the payment you’re sending.

Learn more about using debit cards.

Online money transfer fees

How much does it cost to send money with a debit card?

To send money with a debit card 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.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

How long does a money transfer with a debit card take?

A money transfer with a debit card (HKD-USD) should arrive by Monday. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route


Should arrive

by Monday

Trust Wise with safe & secure money transfers

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.

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