How to send money to Hong Kong from Spain with the best EUR-HKD rate

Revolut is the fastest way to send money from Spain to Hong Kong, and its delivery time is within minutes.

For the cheapest option, Key Currency will get you 60,946.37 HKD on a 7,000 EUR transfer.

Best companies for EUR/HKD transfers

11 of 11 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/HKD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €33.88 1 EUR = 8.7283 HKD 0.00% vs mid-market Recipient gets $60,802.32 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Hong Kong with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€33.881 EUR = 8.7283 HKD
$60,802.32You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 8.6358 HKD +1.07% vs mid-market Recipient gets $60,450.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Hong Kong with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6358 HKD
$60,450.60You pay€7,000.00

Run a live search

Showing top Spain to Hong Kong deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 8.7066 HKD +0.25% vs mid-market Recipient gets $60,946.37 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Hong Kong with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 8.7066 HKD
$60,946.37You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 8.7049 HKD +0.27% vs mid-market Recipient gets $60,934.15 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Hong Kong with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.7049 HKD
$60,934.15You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 8.7023 HKD +0.30% vs mid-market Recipient gets $60,915.82 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Hong Kong with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.7023 HKD
$60,915.82You pay€7,000.00

Wise

Pay via Bank transfer
Fee €33.88 1 EUR = 8.7283 HKD 0.00% vs mid-market Recipient gets $60,802.32 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Hong Kong with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€33.881 EUR = 8.7283 HKD
$60,802.32You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 8.6848 HKD +0.50% vs mid-market Recipient gets $60,793.62 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Hong Kong with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6848 HKD
$60,793.62You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 8.6839 HKD +0.51% vs mid-market Recipient gets $60,787.30 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in Hong Kong with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6839 HKD
$60,787.30You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €2.86 1 EUR = 8.6770 HKD +0.59% vs mid-market Recipient gets $60,714.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Hong Kong with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€2.861 EUR = 8.6770 HKD
$60,714.00You pay€7,000.00

Wise

Pay via iDEAL
Fee €44.02 1 EUR = 8.7283 HKD 0.00% vs mid-market Recipient gets $60,713.81 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Hong Kong with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€44.021 EUR = 8.7283 HKD
$60,713.81You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €60.50 1 EUR = 8.7126 HKD +0.18% vs mid-market Recipient gets $60,461.07 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Hong Kong with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€60.501 EUR = 8.7126 HKD
$60,461.07You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Xe

Pay via Debit card
Fee €0.00 1 EUR = 8.6358 HKD +1.07% vs mid-market Recipient gets $60,450.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Hong Kong with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6358 HKD
$60,450.60You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 8.6358 HKD +1.07% vs mid-market Recipient gets $60,450.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Hong Kong with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6358 HKD
$60,450.60You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 8.6358 HKD +1.07% vs mid-market Recipient gets $60,450.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Hong Kong with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.6358 HKD
$60,450.60You pay€7,000.00

Wise

Pay via Debit card
Fee €88.92 1 EUR = 8.7283 HKD 0.00% vs mid-market Recipient gets $60,321.91 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Hong Kong with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€88.921 EUR = 8.7283 HKD
$60,321.91You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 8.6062 HKD +1.40% vs mid-market Recipient gets $60,243.73 Minutes - 2 days

Ways to receive money in Hong Kong with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 8.6062 HKD
$60,243.73You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €1.00 1 EUR = 8.5664 HKD +1.87% vs mid-market Recipient gets $59,964.80 Minutes - 24 hours

Ways to receive money in Hong Kong with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€1.001 EUR = 8.5664 HKD
$59,964.80You pay€7,001.00
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €1.00 1 EUR = 8.5664 HKD +1.87% vs mid-market Recipient gets $59,964.80 Minutes - 24 hours

Ways to receive money in Hong Kong with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€1.001 EUR = 8.5664 HKD
$59,964.80You pay€7,001.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €1.00 1 EUR = 8.5664 HKD +1.87% vs mid-market Recipient gets $59,964.80 Minutes - 24 hours

Ways to receive money in Hong Kong with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€1.001 EUR = 8.5664 HKD
$59,964.80You pay€7,001.00

Wise

Pay via Credit card
Fee €130.96 1 EUR = 8.7283 HKD 0.00% vs mid-market Recipient gets $59,954.97 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Hong Kong with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€130.961 EUR = 8.7283 HKD
$59,954.97You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 8.7284 HKD Updates every 60 minutes.

How to send money from Spain to Hong Kong

Pick a company

For a one-off transfer from Spain to Hong Kong, I suggest picking Key Currency, it will get you the most HKD.

Key Currency was the cheapest on 30 of the 30 days it quoted €7,000 transfers to Hong Kong.

The best option will change depending on the amount, so it's good to to get the best EUR/HKD rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Hong Kong?

How much EUR you send to Hong Kong heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Key Currency was the cheapest in 100% of the transfers from €5,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
€5000.34%€0.00$4,345.25with debit card to bank deposit+$40.21
€1,0000.17%€0.50$8,703.10with bank transfer to bank deposit+$69.28
€2,0000.00%€10.49$17,348.96with bank transfer to bank deposit+$92.03
€5,0000.30%€0.00$43,488.08with bank transfer to bank deposit+$334.42
€7,000This page0.25%€0.00$60,946.37with bank transfer to bank deposit+$455.52
€10,0000.25%€0.00$87,065.41with bank transfer to bank deposit+$639.98

Mid-market rate: 1 EUR = 8.7284 HKD

EUR/HKD Exchange Rate History

Is today a good time to send money from Spain to Hong Kong?

The cheapest way to send EUR to HKD can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Key Currency), across 30 days of comparisons for 7,000 EUR transfers to Hong Kong.

HKD received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate$61,099.12 Key Currency $60,946.37Key Currency$60,946.37Regency FX$60,934.15TorFx$60,915.82

60.500
61.000
61.500
62.000
62.500
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.9043 – $62,330.44
Key Currency Cheapest 8.8821 €0.00 $62,174.61 −$155.83
Regency FX 8.8803 €0.00 $62,162.14 −$168.30
TorFx 8.8776 €0.00 $62,143.44 −$187.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8997 – $62,297.60
Key Currency Cheapest 8.8774 €0.00 $62,141.86 −$155.74
Regency FX 8.8756 €0.00 $62,129.40 −$168.20
TorFx 8.8730 €0.00 $62,110.71 −$186.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8718 – $62,102.47
Key Currency Cheapest 8.8496 €0.00 $61,947.21 −$155.26
Regency FX 8.8478 €0.00 $61,934.79 −$167.68
TorFx 8.8452 €0.00 $61,916.16 −$186.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8340 – $61,838.34
Key Currency Cheapest 8.8120 €0.00 $61,683.75 −$154.59
Regency FX 8.8102 €0.00 $61,671.38 −$166.96
TorFx 8.8075 €0.00 $61,652.83 −$185.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8357 – $61,850.05
Key Currency Cheapest 8.8136 €0.00 $61,695.43 −$154.62
Regency FX 8.8119 €0.00 $61,683.06 −$166.99
TorFx 8.8092 €0.00 $61,664.50 −$185.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8357 – $61,849.69
Key Currency Cheapest 8.8136 €0.00 $61,695.07 −$154.62
Regency FX 8.8118 €0.00 $61,682.70 −$166.99
TorFx 8.8092 €0.00 $61,664.14 −$185.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7910 – $61,537.23
Key Currency Cheapest 8.7691 €0.00 $61,383.39 −$153.84
Regency FX 8.7673 €0.00 $61,371.08 −$166.15
TorFx 8.7647 €0.00 $61,352.62 −$184.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8132 – $61,692.67
Key Currency Cheapest 8.7912 €0.00 $61,538.44 −$154.23
Regency FX 8.7894 €0.00 $61,526.10 −$166.57
TorFx 8.7868 €0.00 $61,507.59 −$185.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7950 – $61,564.93
Key Currency Cheapest 8.7730 €0.00 $61,411.02 −$153.91
Regency FX 8.7712 €0.00 $61,398.70 −$166.23
TorFx 8.7686 €0.00 $61,380.24 −$184.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7855 – $61,498.71
Key Currency Cheapest 8.7636 €0.00 $61,344.96 −$153.75
Regency FX 8.7618 €0.00 $61,332.66 −$166.05
TorFx 8.7592 €0.00 $61,314.21 −$184.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8096 – $61,667.22
Key Currency Cheapest 8.7876 €0.00 $61,513.05 −$154.17
Regency FX 8.7858 €0.00 $61,500.72 −$166.50
TorFx 8.7832 €0.00 $61,482.22 −$185.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7938 – $61,556.61
Key Currency Cheapest 8.7718 €0.00 $61,402.72 −$153.89
Regency FX 8.7701 €0.00 $61,390.41 −$166.20
TorFx 8.7674 €0.00 $61,371.94 −$184.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7938 – $61,556.61
Key Currency Cheapest 8.7718 €0.00 $61,402.72 −$153.89
Regency FX 8.7701 €0.00 $61,390.41 −$166.20
TorFx 8.7674 €0.00 $61,371.94 −$184.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7928 – $61,549.91
Key Currency Cheapest 8.7709 €0.00 $61,396.03 −$153.88
Regency FX 8.7691 €0.00 $61,383.72 −$166.19
TorFx 8.7665 €0.00 $61,365.26 −$184.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7720 – $61,404.29
Key Currency Cheapest 8.7501 €0.00 $61,250.78 −$153.51
Regency FX 8.7484 €0.00 $61,238.50 −$165.79
TorFx 8.7457 €0.00 $61,220.07 −$184.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7328 – $61,129.50
Key Currency Cheapest 8.7110 €0.00 $60,976.68 −$152.82
Regency FX 8.7092 €0.00 $60,964.45 −$165.05
TorFx 8.7066 €0.00 $60,946.11 −$183.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7942 – $61,559.32
Key Currency Cheapest 8.7722 €0.00 $61,405.42 −$153.90
Regency FX 8.7704 €0.00 $61,393.11 −$166.21
TorFx 8.7678 €0.00 $61,374.65 −$184.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8246 – $61,772.12
Key Currency Cheapest 8.8025 €0.00 $61,617.69 −$154.43
Regency FX 8.8008 €0.00 $61,605.33 −$166.79
TorFx 8.7981 €0.00 $61,586.80 −$185.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8191 – $61,733.68
Key Currency Cheapest 8.7970 €0.00 $61,579.34 −$154.34
Regency FX 8.7953 €0.00 $61,567.00 −$166.68
TorFx 8.7926 €0.00 $61,548.48 −$185.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8191 – $61,733.68
Key Currency Cheapest 8.7970 €0.00 $61,579.34 −$154.34
Regency FX 8.7953 €0.00 $61,567.00 −$166.68
TorFx 8.7926 €0.00 $61,548.48 −$185.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7989 – $61,592.29
Key Currency Cheapest 8.7769 €0.00 $61,438.31 −$153.98
Regency FX 8.7751 €0.00 $61,425.99 −$166.30
TorFx 8.7725 €0.00 $61,407.52 −$184.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8153 – $61,707.21
Key Currency Cheapest 8.7933 €0.00 $61,552.94 −$154.26
Regency FX 8.7915 €0.00 $61,540.60 −$166.61
TorFx 8.7889 €0.00 $61,522.08 −$185.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8032 – $61,622.58
Key Currency Cheapest 8.7812 €0.00 $61,468.53 −$154.05
Regency FX 8.7795 €0.00 $61,456.20 −$166.38
TorFx 8.7768 €0.00 $61,437.71 −$184.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.8087 – $61,660.76
Key Currency Cheapest 8.7867 €0.00 $61,506.61 −$154.15
Regency FX 8.7849 €0.00 $61,494.28 −$166.48
TorFx 8.7823 €0.00 $61,475.78 −$184.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7770 – $61,439.13
Key Currency Cheapest 8.7551 €0.00 $61,285.54 −$153.59
Regency FX 8.7533 €0.00 $61,273.25 −$165.88
TorFx 8.7507 €0.00 $61,254.82 −$184.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7853 – $61,496.89
Key Currency Cheapest 8.7633 €0.00 $61,343.15 −$153.74
Regency FX 8.7615 €0.00 $61,330.85 −$166.04
TorFx 8.7589 €0.00 $61,312.40 −$184.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7853 – $61,496.89
Key Currency Cheapest 8.7633 €0.00 $61,343.15 −$153.74
Regency FX 8.7615 €0.00 $61,330.85 −$166.04
TorFx 8.7589 €0.00 $61,312.40 −$184.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7939 – $61,557.35
Key Currency Cheapest 8.7719 €0.00 $61,403.46 −$153.89
Regency FX 8.7702 €0.00 $61,391.14 −$166.21
TorFx 8.7675 €0.00 $61,372.68 −$184.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7512 – $61,258.74
Key Currency Cheapest 8.7294 €0.00 $61,105.59 −$153.15
Regency FX 8.7276 €0.00 $61,093.34 −$165.40
TorFx 8.7250 €0.00 $61,074.96 −$183.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7284 – $61,099.12
Key Currency Cheapest 8.7066 €0.00 $60,946.37 −$152.75
Regency FX 8.7049 €0.00 $60,934.15 −$164.97
TorFx 8.7023 €0.00 $60,915.82 −$183.30

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more HKD per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of HKD on every transfer from Spain.

Right now, Key Currency pays 60,946.37 HKD on 7,000 EUR, which is 152.75 HKD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 62,174.61 HKD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Hong Kong.

We've tracked 166 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Key CurrencyAppeared in 58 comparisons

    Cheapest every time

  2. Regency FXAppeared in 58 comparisons

    Never the cheapest

  3. TorFxAppeared in 74 comparisons

    Cheapest in 22% of them

Based on 166 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Spain to Hong Kong

11 companies send money from Spain to Hong Kong, across broker, online, app, multi-currency account, global account, and in person, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Hong Kong.

Wise charges €33.88 on a €7,000 transfer and pays out 60,802.32 HKD in within minutes.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for €7,000 transfers.

You can pay for the transfers via bank transfer, debit card, credit card, and iDEAL, but Bizum is usually not accepted as a funding method.

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay MoneyGram the €7,000 by card or transferencia, and they can collect cash in Hong Kong.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

Cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

For medium sized or one-off transfers to Hong Kong, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 60,802.32 HKD with a €33.88 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Hong Kong. This can be things like selling property, moving a pension, moving back home, etc…

Key Currency charges no fee and works on a margin, with a person on the phone, and offices in Spain if you'd rather sit down with someone.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from €5,000 it quoted.

For getting paid and spending abroad

Multi-currency accounts

If you often receive HKD (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive HKD like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with HKD support is offered by Wise.

Over the past month, it came out cheapest among multi-currency accounts on 93% of days.

For example, converting €7,000 gets you 60,802.32 HKD.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Hong Kong.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive HKD in Hong Kong

How you fund the transfer and how your recipient receives it affect the fees and how much HKD they get.

With Key Currency, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 60,946.37 HKD.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and iDEAL.

Bizum only supports domestic transfers in Spain, so it cannot send money to Hong Kong directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Hong Kong depends on the company's payout time and delivery method.

In Hong Kong, the recipient can use bank deposit and cash pickup to receive money.

Collect cash in Hong Kong

Your recipient can collect HKD from a participating MoneyGram location in Hong Kong.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    HK$60,946

    Cheapest

  2. 2
    iDEAL Bank deposit

    You pay €7,000.00

    HK$60,714

    -HK$233

  3. 3
    Debit card Bank deposit

    You pay €7,000.00

    HK$60,451

    -HK$496

  4. 4
    Credit card Bank deposit

    You pay €7,000.00

    HK$60,451

    -HK$496

  5. 5
    Bank transfer Cash pickup

    You pay €7,001.00

    HK$59,965

    -HK$982

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  1. 6
    Debit card Cash pickup

    You pay €7,001.00

    HK$59,965

    -HK$982

  2. 7
    Credit card Cash pickup

    You pay €7,001.00

    HK$59,965

    -HK$982

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Hong Kong.

Find the best EUR/HKD transfer

These are the current best options for sending €7,000 to Hong Kong:

Cheapest option

Use Key Currency, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 60,946.37 HKD, which is 0.02% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 60,461.07 HKD, and its delivery time is within minutes.

SEPA & HKD are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to Hong Kong is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Hong Kong.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself. We track 11 of them on EUR to HKD, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 166 comparisons across 6 amounts.

This page covers the cheapest and fastest options for EUR/HKD transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.