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Send Money from Hong Kong (HKD) to China (CNY)

Transfer HKD to CNY quickly and easily by comparing the latest exchange rates, and best provider fees, speed and reviews from Hong Kong to China.

Hong Kong
Top Provider
Amount Received
By bank-transfer
Fees: HK$23.17
Rate: 0.85968
Payment Options
Key Features
Offers low rates
Well known brand
Current Mid-Market Rate: 1 HKD = 0.859572 CNY
* Some rates may be indicative.

Best Providers for Sending Money to China from Hong Kong

When considering how to send money China from Hong Kong there are some key aspects of the transfer that will impact the best provider for your needs. 

There are plenty of international money transfer providers for Hong Kong to China. The fastest provider is Wise. The cheapest provider we found is Wise at % Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using Wise when sending HKD – CNY.

This means that by using Wise for online money transfers to China from Hong Kong, you are likely to save on transfer fees and benefit from fast speeds – so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access Wise for any reason, our comparison engine has found also to be very good options when sending HKD to CNY.

The cheapest way to send money from Hong Kong to China

The cost of transferring money will depend on the value of the transaction and amount of CNY you want the recipient in China to receive. 

In order to avoid high fees, you should consider the cheapest way to send money from Hong Kong to China.  

Wise has been determined by our comparison engine to be currently offering you the cheapest rates possible.

The fastest way to send money from Hong Kong to China

When sending money from Hong Kong to China, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers, particularly if you want to send money instantly. Currently, Wise is the fastest way to send HKD – CNY.

What payment methods are available when sending money from Hong Kong to China?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to China from Hong Kong using credit card

To avoid high fees you can opt to use an online money transfer provider such as Wise to pay for your transfer to China. Our guide on sending money using a credit card has more information. 

Sending money to China from Hong Kong using a debit card

With Wise you can send money online to China using your debit card. But before making a payment, make sure you understand all the processing fees in place. Our guide on sending money using a debit card has more information. 

Using a wire transfer to send money from Hong Kong to China

Bank and international wire transfers are the most common ways of sending money China as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use Wise to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

When sending money to China from Hong Kong using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee. If you do decide to make an international transfer using wire transfer, you might be required to use a SWIFT/BIC code when completing your transaction. If you’re unsure of what it is, check out our guide on what is a SWIFT code as well as use our SWIFT code calculator to find the right SWIFT/BIC code.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as Wise.

Considerations for a HKD to CNY Currency Transfer

Before sending money to China from Hong Kong, you should consider the following:

  1. The amount you want to transfer: It is likely that the more money you send to China the more value you will get and more CNY the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.
  2. The HKD – CNY exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 0.859572 and the lowest exchange rate margin is currently offered by Wise at % above the mid market rate.
  3. Hidden fees & charges: Before sending money to China, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers Wise, and will give insight here.

How to send money from Hong Kong to China at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send HKD to CNY. After that it’s just a process of making your transfer via the following steps:

  1. Click “Visit Site” inside our comparison table
  2. Register for an account if required
  3. Input how much you are willing to send
  4. Fund your transfer
  5. Receive & save an email confirming your transfer

How to receive transfers from HKD to CNY in China?

Your recipient has a few methods available to receive your money in China. These will vary between providers, but it is possible to find services that will:

If your recipient is going to collect or have the money delivered to them in China, then they will usually need the following:

How much money can be transferred from Hong Kong to China?

The amount of CNY you can receive from Hong Kong will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers. 

You should also check if there are any government regulations pertaining to the amount of CNY that can be received in China or sent from Hong Kong before making your transfer.

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Keith Hodges
Written by
Keith Hodges

Keith is a digital specialist with a background in the financial industry, both as a marketeer and a journalist. Keith joined MoneyTransfers.com in order to take the business to the next level and expand our offering in multiple international money transfer markets.