How to send money to Hong Kong from UK with the best GBP-HKD rate

We’ve compared 11 companies, and found Key Currency to be the cheapest, while Revolut is the fastest.

Sending £6,000 gets you HK$62,419.5 with Key Currency at 10.4033 HKD per GBP, about 0.02% more than the next best option.

Best companies for GBP/HKD transfers

11 of 11 providers

Last updated on 28 October 2026

Based on 6,000 GBP transfer

Best companies for GBP/HKD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £22.20 1 GBP = 10.4293 HKD 0.00% vs mid-market Recipient gets $62,344.27 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
£22.201 GBP = 10.4293 HKD
$62,344.27You pay£6,000.00
Promoted

Xe

Pay via Debit card
Fee £0.00 1 GBP = 10.3365 HKD +0.89% vs mid-market Recipient gets $62,019.00 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 GBP = 10.3365 HKD
$62,019.00You pay£6,000.00

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Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee £0.00 1 GBP = 10.4033 HKD +0.25% vs mid-market Recipient gets $62,419.50 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 GBP = 10.4033 HKD
$62,419.50You pay£6,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 10.4012 HKD +0.27% vs mid-market Recipient gets $62,406.99 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 GBP = 10.4012 HKD
$62,406.99You pay£6,000.00

TorFx

Pay via Bank transfer
Fee £0.00 1 GBP = 10.3980 HKD +0.30% vs mid-market Recipient gets $62,388.22 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 GBP = 10.3980 HKD
$62,388.22You pay£6,000.00

Wise

Pay via Bank transfer
Fee £22.20 1 GBP = 10.4293 HKD 0.00% vs mid-market Recipient gets $62,344.27 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
£22.201 GBP = 10.4293 HKD
$62,344.27You pay£6,000.00

OFX

Pay via Bank transfer
Fee £0.00 1 GBP = 10.3772 HKD +0.50% vs mid-market Recipient gets $62,263.06 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 GBP = 10.3772 HKD
$62,263.06You pay£6,000.00

Currencies Direct

Pay via Bank transfer
Fee £0.00 1 GBP = 10.3745 HKD +0.53% vs mid-market Recipient gets $62,247.00 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 GBP = 10.3745 HKD
$62,247.00You pay£6,000.00

Wise

Pay via Debit card
Fee £41.19 1 GBP = 10.4293 HKD 0.00% vs mid-market Recipient gets $62,146.22 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
£41.191 GBP = 10.4293 HKD
$62,146.22You pay£6,000.00

Xe

Pay via Debit card
Fee £0.00 1 GBP = 10.3365 HKD +0.89% vs mid-market Recipient gets $62,019.00 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 GBP = 10.3365 HKD
$62,019.00You pay£6,000.00

Xe

Pay via Bank transfer
Fee £0.00 1 GBP = 10.3365 HKD +0.89% vs mid-market Recipient gets $62,019.00 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 GBP = 10.3365 HKD
$62,019.00You pay£6,000.00

Xe

Pay via Credit card
Fee £0.00 1 GBP = 10.3365 HKD +0.89% vs mid-market Recipient gets $62,019.00 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 GBP = 10.3365 HKD
$62,019.00You pay£6,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee £50.45 1 GBP = 10.4114 HKD +0.17% vs mid-market Recipient gets $61,943.14 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
£50.451 GBP = 10.4114 HKD
$61,943.14You pay£6,000.00

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.

Moneycorp

Pay via Bank transfer
Fee £0.00 1 GBP = 10.2833 HKD +1.40% vs mid-market Recipient gets $61,699.88 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 GBP = 10.2833 HKD
$61,699.88You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee £4.99 1 GBP = 10.2258 HKD +1.97% vs mid-market Recipient gets $61,354.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
£4.991 GBP = 10.2258 HKD
$61,354.80You pay£6,004.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee £4.99 1 GBP = 10.2230 HKD +2.00% vs mid-market Recipient gets $61,338.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
£4.991 GBP = 10.2230 HKD
$61,338.00You pay£6,004.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee £4.99 1 GBP = 10.2230 HKD +2.00% vs mid-market Recipient gets $61,338.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
£4.991 GBP = 10.2230 HKD
$61,338.00You pay£6,004.99

Wise

Pay via Credit card
Fee £154.98 1 GBP = 10.4293 HKD 0.00% vs mid-market Recipient gets $60,959.47 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
£154.981 GBP = 10.4293 HKD
$60,959.47You pay£6,000.00

Barclays

Pay via Bank transfer
Fee £0.00 1 GBP = 10.1505 HKD +2.71% vs mid-market Recipient gets $60,903.19 Minutes - 5 days
0 reviews

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Free1 GBP = 10.1505 HKD
$60,903.19You pay£6,000.00
How Our Results Work
Mid-market rate: 1 GBP = 10.4293 HKD Updates every 60 minutes.

How to send money from UK to Hong Kong

Pick a company

For a one-off GBP transfer to Hong Kong, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 25 of the 28 days it quoted £6,000 transfers to Hong Kong.

On a 6,000 GBP transfer, Key Currency delivers the most HKD.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/HKD rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On a £6,000 transfer it's normally instant but can take a couple of hours.

Compare amounts

How much GBP are you sending to Hong Kong?

How much GBP 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 91% of the transfers from £6,000 it quoted, and in 91% of all the transfers it quoted.

Cheapest service
£500-0.56%£0.00$5,244.00with bank transfer to bank deposit+$106.64
£1,000-0.32%£0.00$10,446.40with bank transfer to bank deposit+$158.24
£2,000-0.09%£0.00$20,851.20with bank transfer to bank deposit+$295.21
£6,000This page0.25%£0.00$62,419.50with bank transfer to bank deposit+$548.40
£10,0000.25%£0.00$104,016.57with bank transfer to bank deposit+$872.42
£50,0000.20%£0.00$519,731.85with bank transfer to bank deposit+$3,287.35
£250,0000.15%£0.00$2,602,298.19with bank transfer to bank deposit+$10,722.79

Mid-market rate: 1 GBP = 10.4293 HKD

GBP/HKD Exchange Rate History

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

The cheapest way to send GBP 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 6,000 GBP transfers to Hong Kong.

HKD received for £6,000, after fees

Wed, 28 Oct 2026Mid-market rate$62,575.94 Key Currency $62,419.50 Barclays $60,903.19Key Currency$62,419.50Regency FX$62,406.99TorFx$62,388.22Extra cost of a bank$1,516.31

60,000
60,500
61,000
61,500
62,000
62,500
63,000
63,500
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3830 – $62,298.15
Key Currency Cheapest 10.3571 £0.00 $62,142.40 −$155.75
Regency FX 10.3550 £0.00 $62,129.94 −$168.21
TorFx 10.3519 £0.00 $62,111.26 −$186.89
Barclays 10.0992 £0.00 $60,594.99 −$1,703.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4085 – $62,450.81
Key Currency Cheapest 10.3824 £0.00 $62,294.69 −$156.12
Regency FX 10.3804 £0.00 $62,282.20 −$168.61
TorFx 10.3772 £0.00 $62,263.46 −$187.35
Barclays 10.1238 £0.00 $60,742.61 −$1,708.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3799 – $62,279.27
Key Currency Cheapest 10.3539 £0.00 $62,123.58 −$155.69
Regency FX 10.3519 £0.00 $62,111.12 −$168.15
TorFx 10.3487 £0.00 $62,092.44 −$186.83
Barclays 10.1238 £0.00 $60,742.61 −$1,536.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3652 – $62,191.19
Key Currency Cheapest 10.3393 £0.00 $62,035.72 −$155.47
Regency FX 10.3372 £0.00 $62,023.28 −$167.91
TorFx 10.3341 £0.00 $62,004.62 −$186.57
Barclays 10.0796 £0.00 $60,477.72 −$1,713.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3924 – $62,354.27
Key Currency Cheapest 10.3664 £0.00 $62,198.39 −$155.88
Regency FX 10.3643 £0.00 $62,185.92 −$168.35
TorFx 10.3612 £0.00 $62,167.21 −$187.06
Barclays 10.0986 £0.00 $60,591.31 −$1,762.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3668 – $62,200.88
Wise Cheapest 10.3890 £22.20 $62,103.36 −$97.52
Key Currency 10.3409 £0.00 $62,045.38 −$155.50
Regency FX 10.3388 £0.00 $62,032.94 −$167.94
TorFx 10.3357 £0.00 $62,014.28 −$186.60
Barclays 10.0986 £0.00 $60,591.31 −$1,609.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3783 – $62,269.78
Key Currency Cheapest 10.3524 £0.00 $62,114.10 −$155.68
Regency FX 10.3503 £0.00 $62,101.65 −$168.13
TorFx 10.3472 £0.00 $62,082.97 −$186.81
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3869 – $62,321.65
Key Currency Cheapest 10.3610 £0.00 $62,165.84 −$155.81
Regency FX 10.3589 £0.00 $62,153.38 −$168.27
TorFx 10.3558 £0.00 $62,134.68 −$186.97
Barclays 10.0850 £0.00 $60,510.24 −$1,811.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3946 – $62,367.63
Key Currency Cheapest 10.3686 £0.00 $62,211.71 −$155.92
Regency FX 10.3665 £0.00 $62,199.24 −$168.39
TorFx 10.3634 £0.00 $62,180.53 −$187.10
Barclays 10.0850 £0.00 $60,510.24 −$1,857.39
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 10.3602 £22.20 $61,931.20 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3894 – $62,336.15
Key Currency Cheapest 10.3634 £0.00 $62,180.31 −$155.84
Regency FX 10.3613 £0.00 $62,167.84 −$168.31
TorFx 10.3582 £0.00 $62,149.14 −$187.01
Barclays 10.1033 £0.00 $60,619.81 −$1,716.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3926 – $62,355.58
Key Currency Cheapest 10.3666 £0.00 $62,199.69 −$155.89
Regency FX 10.3645 £0.00 $62,187.22 −$168.36
TorFx 10.3614 £0.00 $62,168.52 −$187.06
Barclays 10.1047 £0.00 $60,628.37 −$1,727.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3926 – $62,355.58
Key Currency Cheapest 10.3666 £0.00 $62,199.69 −$155.89
Regency FX 10.3645 £0.00 $62,187.22 −$168.36
TorFx 10.3614 £0.00 $62,168.52 −$187.06
Barclays 10.1047 £0.00 $60,628.37 −$1,727.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3937 – $62,362.02
Key Currency Cheapest 10.3677 £0.00 $62,206.11 −$155.91
Regency FX 10.3656 £0.00 $62,193.64 −$168.38
TorFx 10.3625 £0.00 $62,174.93 −$187.09
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3879 – $62,327.39
Key Currency Cheapest 10.3619 £0.00 $62,171.57 −$155.82
Regency FX 10.3599 £0.00 $62,159.10 −$168.29
TorFx 10.3567 £0.00 $62,140.41 −$186.98
Barclays 10.1070 £0.00 $60,641.80 −$1,685.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3246 – $61,947.38
Key Currency Cheapest 10.2988 £0.00 $61,792.51 −$154.87
Regency FX 10.2967 £0.00 $61,780.12 −$167.26
TorFx 10.2936 £0.00 $61,761.54 −$185.84
Barclays 10.0409 £0.00 $60,245.22 −$1,702.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.3971 – $62,382.41
Key Currency Cheapest 10.3711 £0.00 $62,226.46 −$155.95
Regency FX 10.3690 £0.00 $62,213.98 −$168.43
TorFx 10.3659 £0.00 $62,195.27 −$187.14
Barclays 10.0409 £0.00 $60,245.22 −$2,137.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4549 – $62,729.53
Key Currency Cheapest 10.4288 £0.00 $62,572.71 −$156.82
Regency FX 10.4267 £0.00 $62,560.16 −$169.37
TorFx 10.4236 £0.00 $62,541.34 −$188.19
Barclays 10.1644 £0.00 $60,986.42 −$1,743.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4353 – $62,611.76
Wise Cheapest 10.4586 £22.20 $62,519.42 −$92.34
Key Currency 10.4092 £0.00 $62,455.23 −$156.53
Regency FX 10.4071 £0.00 $62,442.71 −$169.05
TorFx 10.4040 £0.00 $62,423.92 −$187.84
Barclays 10.1695 £0.00 $61,017.09 −$1,594.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4353 – $62,611.76
Wise Cheapest 10.4586 £22.20 $62,519.42 −$92.34
Key Currency 10.4092 £0.00 $62,455.23 −$156.53
Regency FX 10.4071 £0.00 $62,442.71 −$169.05
TorFx 10.4040 £0.00 $62,423.92 −$187.84
Barclays 10.1695 £0.00 $61,017.09 −$1,594.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4567 – $62,740.48
Key Currency Cheapest 10.4306 £0.00 $62,583.63 −$156.85
Regency FX 10.4285 £0.00 $62,571.08 −$169.40
TorFx 10.4254 £0.00 $62,552.26 −$188.22
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4778 – $62,866.51
Key Currency Cheapest 10.4516 £0.00 $62,709.34 −$157.17
Regency FX 10.4495 £0.00 $62,696.77 −$169.74
TorFx 10.4463 £0.00 $62,677.91 −$188.60
Barclays 10.1874 £0.00 $61,124.44 −$1,742.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.5098 – $63,058.68
Key Currency Cheapest 10.4835 £0.00 $62,901.03 −$157.65
Regency FX 10.4814 £0.00 $62,888.42 −$170.26
TorFx 10.4783 £0.00 $62,869.50 −$189.18
Barclays 10.2163 £0.00 $61,298.04 −$1,760.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.5143 – $63,085.69
Remitly Cheapest 10.5075 £0.00 $63,045.00 −$40.69
HSBC 10.4238 £0.00 $62,542.91 −$542.78
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4903 – $62,941.83
Key Currency Cheapest 10.4641 £0.00 $62,784.48 −$157.35
Regency FX 10.4620 £0.00 $62,771.89 −$169.94
TorFx 10.4588 £0.00 $62,753.00 −$188.83
Barclays 10.2030 £0.00 $61,218.10 −$1,723.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4888 – $62,932.51
Key Currency Cheapest 10.4625 £0.00 $62,775.17 −$157.34
Regency FX 10.4604 £0.00 $62,762.59 −$169.92
TorFx 10.4573 £0.00 $62,743.71 −$188.80
Barclays 10.2020 £0.00 $61,211.92 −$1,720.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4888 – $62,932.51
Key Currency Cheapest 10.4625 £0.00 $62,775.17 −$157.34
Regency FX 10.4604 £0.00 $62,762.59 −$169.92
TorFx 10.4573 £0.00 $62,743.71 −$188.80
Barclays 10.2020 £0.00 $61,211.92 −$1,720.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4719 – $62,831.59
Key Currency Cheapest 10.4458 £0.00 $62,674.51 −$157.08
Regency FX 10.4437 £0.00 $62,661.94 −$169.65
TorFx 10.4405 £0.00 $62,643.09 −$188.50
Barclays 10.1880 £0.00 $61,127.90 −$1,703.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4515 – $62,709.23
Key Currency Cheapest 10.4254 £0.00 $62,552.45 −$156.78
Regency FX 10.4233 £0.00 $62,539.91 −$169.32
TorFx 10.4202 £0.00 $62,521.10 −$188.13
Barclays 10.1625 £0.00 $60,975.02 −$1,734.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.4293 – $62,575.94
Key Currency Cheapest 10.4033 £0.00 $62,419.50 −$156.44
Regency FX 10.4012 £0.00 $62,406.99 −$168.95
TorFx 10.3980 £0.00 $62,388.22 −$187.72
Barclays 10.1505 £0.00 $60,903.19 −$1,672.75

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send £6,000, after fees, as quoted by each company. The mid-market line shows what £6,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 GBP 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 UK.

Right now, Key Currency pays 62,419.5 HKD on 6,000 GBP, which is 156.44 HKD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 63,045 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 196 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

  1. Key CurrencyAppeared in 98 comparisons

    Cheapest in 91% of them

  2. Regency FXAppeared in 98 comparisons

    Never the cheapest

  3. TorFxAppeared in 98 comparisons

    Never the cheapest

  4. BarclaysAppeared in 157 comparisons

    Never the cheapest

Based on 196 comparisons across 7 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 and gets you the most HKD, and it was also the cheapest in 91% of the 98 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Hong Kong.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Hong Kong.

Ways to send money from the UK to Hong Kong

There are many ways to send money to Hong Kong from the UK, including broker, online, app, multi-currency account, global account, in person, and bank, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to Hong Kong, say weekly or monthly, an app like Wise is the easiest and cheapest way to do it.

It charges £22.2 in fees, has 0% markup, lets you save recipient details, and HKD will arrive in minutes.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for £6,000 transfers.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized HKD transfers, around £1,000 - £5,000.

Online companies like Wise often have higher limits and/or first time promos.

Of the 11 companies we compared, Wise is the cheapest online service and will get you HK$62,344.27 on a £6,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

For large transfers

Brokers

Currency brokers like Key Currency are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).

You get a dedicated account manager to handle your transfer to Hong Kong, and 24/7 support.

Key Currency charges no fees on large transfers, but adds 0.25% markup on top of the current GBP/HKD rate.

The markup gets better the more GBP you send, so we suggest .

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from £6,000 it quoted.

For fast money transfers

Cash transfer

Sending cash is the fastest way to send money from the UK to Hong Kong, but is usually a bit more expensive.

You will need to deposit £6,000 online via MoneyGram, and your recipient in Hong Kong will be able to collect HK$61,354.8 in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 96% of days in the past month.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend Hong Kong Dollars abroad like a local.

Wise offers the best multi-currency account.

With it, converting £6,000 to HKD will get you HK$62,344.27 after fees.

If you don’t have HKD in your account, your GBP will auto-convert whenever you pay with Wise in Hong Kong.

Once you have HKD in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in Hong Kong, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Only if you have to

Banks

Your UK bank is the most expensive way to send money to Hong Kong.

On a £6,000 transfer, banks like Barclays will add 2.71% markup, getting you HK$60,903.19 vs HK$62,419.5 with Key Currency.

We found Barclays was the cheapest bank on 25 of the 26 days it appeared for this amount.

Ways to fund GBP and receive HKD in Hong Kong

Pay-in and pay-out methods will affect how much GBP you deposit and how much HKD your recipient gets. Use the table below to see how different options change how much you pay and what they get.

Our data shows that Key Currency gets your recipient 1,516.31 HKD more than Barclays, today's cheapest bank, on the same £6,000.

The overall best and cheapest way to send £6,000 to Hong Kong is via Key Currency, using a bank transfer to deposit GBP and bank deposit to receive HKD.

Depositing GBP

You have 3 pay-in options for transfers to Hong Kong, including bank transfer, debit card, and credit card.

The cheapest pay-in option is bank transfer.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is credit card.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in Hong Kong

Money can reach Hong Kong by bank deposit and cash pickup, and each delivery method comes with its own fees.

The cheapest way to receive money in Hong Kong is with bank deposit on average.

Receiving cash

MoneyGram is the cheapest option for cash pickup (getting you HK$61,354.8 on a £6,000 transfer).

Digital wallets

Your recipient can receive HKD directly into a digital wallet (like PayPal) which usually takes a few minutes to arrive.

  1. 1
    Bank transfer Bank deposit

    You pay £6,000.00

    HK$62,420

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay £6,000.00

    HK$62,146

    -HK$273

  3. 3
    Credit card Bank deposit

    You pay £6,000.00

    HK$62,019

    -HK$401

  4. 4
    Bank transfer Cash pickup

    You pay £6,004.99

    HK$61,355

    -HK$1,065

  5. 5
    Debit card Cash pickup

    You pay £6,004.99

    HK$61,338

    -HK$1,082

Show moreShow less
  1. 6
    Credit card Cash pickup

    You pay £6,004.99

    HK$61,338

    -HK$1,082

Consider this when sending GBP to Hong Kong

There are a few nuances you should consider before sending GBP to Hong Kong such as limits, taxes, and safety.

Compare GBP/HKD transfer options

Right now, these are the best money transfer options for a £6,000 transfer to Hong Kong:

Cheapest way to send money to Hong Kong

The cheapest way is to use Key Currency, pay in with a bank transfer and withdraw via bank deposit. You will get HK$62,419.5, which is 0.02% more than the next best option.

Fastest way to send money to Hong Kong

The fastest way is to use Revolut via bank transfer deposit and bank deposit for pay out. You get HK$61,943.14 and it will arrive in within minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/HKD transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending £6,000 with Key Currency will get you 62,419.5 HKD, that’s including £0 fee and 0.25% in exchange rate markup.

A bank like Barclays on the other hand, will get you HK$60,903.19, that’s £0 in fees but 2.71% in FX fees.

Taxes on money transfers

There is no UK tax for the act of sending money to Hong Kong.

And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

How we analyse the market

We track 11 regulated companies offering money transfers from the UK to Hong Kong in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/HKD pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

In the past 30 days alone, we analysed 196 comparisons across 7 amounts.

This page covers the cheapest and fastest options for GBP/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.

More on how we work:

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