text: Save on exchange rate markups
  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) | ||||||||||
  127.46 USD | |||||||||||
  Transfer fee 5 HKD Exchange rate(1 HKD USD) 0.128104 Exchange rate markup 3.73 HKD Cost of transfer 8.73 HKD | |||||||||||
  126.71 USD- 0.75 USD | |||||||||||
  Transfer fee 14.55 HKD Exchange rate(1 HKD USD) 0.128584 Exchange rate markup 0 HKD Cost of transfer 14.55 HKD | |||||||||||
  119.70 USD- 7.76 USD | |||||||||||
  Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128020 Exchange rate markup 4.39 HKD Cost of transfer 69.39 HKD | |||||||||||
  118.60 USD- 8.86 USD | |||||||||||
  Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123411 Exchange rate markup 40.23 HKD Cost of transfer 79.22 HKD | |||||||||||
  98.72 USD- 28.74 USD | |||||||||||
  Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.128207 Exchange rate markup 2.93 HKD Cost of transfer 232.93 HKD | |||||||||||
  Send money abroad from Hong Kong 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.
  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.
  How to send money abroad from Hong Kong
  How to send money abroad from Hong Kong
  - Just tap in how much, and where to.
  - Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
  - And that's it.
  Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
  How much does it cost to transfer HKD to USD?
  Pay a small, flat fee and percentage
  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.
  Fee depends on your chosen transfer type
  Some transfer types have different fees which are usually tiny.
  No hidden fees
  No big fees, hidden or otherwise. So it's cheaper than what you're used to.
  How long will a money transfer take?
  Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.
  Your transfer route
  by MondayHow to send money with Wise
  Register for free.
  Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
  Choose an amount to send.
  Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
  Add recipient’s bank details.
  Fill in the details of your recipient’s bank account.
  Verify your identity.
  For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
  Pay for your transfer.
  Send your money with a bank transfer, or a debit or credit card.
  We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
  Best ways to send money internationally
  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.
  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.
  Dedicated anti-fraud team
  We work round the clock to keep your account and money protected from even the most sophisticated fraud.
  Send money abroad with the Wise app
  Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one 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.