How to send money to Hong Kong from Singapore with the best SGD-HKD rate

Revolut is the fastest way to send money to Hong Kong from Singapore right now, with delivery in within minutes. Wise is cheapest overall, paying out 61,286.93 HKD for a S$10,000 transfer.

Best companies for SGD/HKD transfers

10 of 10 providers

Last updated on 10 November 2026

Based on 10,000 SGD transfer

Best companies for SGD/HKD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $23.89 1 SGD = 6.1434 HKD 0.00% vs mid-market Recipient gets $61,286.93 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
$23.891 SGD = 6.1434 HKD
$61,286.93You pay$10,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 SGD = 6.0645 HKD +1.29% vs mid-market Recipient gets $60,644.70 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 SGD = 6.0645 HKD
$60,644.70You pay$10,000.00

Run a live search

Showing top Singapore to Hong Kong deals for 10,000 SGD. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee $23.89 1 SGD = 6.1434 HKD 0.00% vs mid-market Recipient gets $61,286.93 Within minutes
CheapestOur top pick
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
$23.891 SGD = 6.1434 HKD
$61,286.93You pay$10,000.00

Wise

Pay via PayNow
Fee $23.89 1 SGD = 6.1434 HKD 0.00% vs mid-market Recipient gets $61,286.93 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$23.891 SGD = 6.1434 HKD
$61,286.93You pay$10,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee $0.00 1 SGD = 6.1278 HKD +0.25% vs mid-market Recipient gets $61,278.34 Minutes - 3 days
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 SGD = 6.1278 HKD
$61,278.34You pay$10,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 SGD = 6.1266 HKD +0.27% vs mid-market Recipient gets $61,266.05 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 SGD = 6.1266 HKD
$61,266.05You pay$10,000.00

TorFx

Pay via Bank transfer
Fee $0.00 1 SGD = 6.1248 HKD +0.30% vs mid-market Recipient gets $61,247.62 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 SGD = 6.1248 HKD
$61,247.62You pay$10,000.00

OFX

Pay via Bank transfer
Fee $0.00 1 SGD = 6.1125 HKD +0.50% vs mid-market Recipient gets $61,124.76 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 SGD = 6.1125 HKD
$61,124.76You pay$10,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $50.80 1 SGD = 6.1427 HKD +0.01% vs mid-market Recipient gets $61,115.05 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
$50.801 SGD = 6.1427 HKD
$61,115.05You pay$10,000.00

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.

CurrencyFair

Pay via Bank transfer
Fee $4.07 1 SGD = 6.1070 HKD +0.59% vs mid-market Recipient gets $61,045.00 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
$4.071 SGD = 6.1070 HKD
$61,045.00You pay$10,000.00

Currencies Direct

Pay via Bank transfer
Fee $0.00 1 SGD = 6.1044 HKD +0.63% vs mid-market Recipient gets $61,044.00 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 SGD = 6.1044 HKD
$61,044.00You pay$10,000.00

Xe

Pay via Bank transfer
Fee $0.00 1 SGD = 6.0645 HKD +1.29% vs mid-market Recipient gets $60,644.70 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 SGD = 6.0645 HKD
$60,644.70You pay$10,000.00

Moneycorp

Pay via Bank transfer
Fee $0.00 1 SGD = 6.0572 HKD +1.40% vs mid-market Recipient gets $60,571.87 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 SGD = 6.0572 HKD
$60,571.87You pay$10,000.00

Wise

Pay via Debit card
Fee $480.71 1 SGD = 6.1434 HKD 0.00% vs mid-market Recipient gets $58,480.52 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
$480.711 SGD = 6.1434 HKD
$58,480.52You pay$10,000.00
How Our Results Work
Mid-market rate: 1 SGD = 6.1432 HKD Updates every 60 minutes.

How to send money from Singapore to Hong Kong

Pick a company

I suggest starting with Wise which is the cheapest option for sending S$10,000.

Wise was the cheapest on 26 of the 30 days it quoted S$10,000 transfers to Hong Kong.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, PayNow, and debit card.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to Hong Kong, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to Hong Kong?

How much SGD 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 Wise was the cheapest in 59% of the transfers from S$5,000 it quoted, and in 48% of all the transfers it quoted.

Cheapest service
$1,000-0.01%$0.00$6,142.20with paynow to bank deposit+$85.89
$5,0000.00%$0.80$30,694.96with bank transfer to bank deposit+$410.31
$10,000This page0.00%$23.89$61,286.93with bank transfer to bank deposit+$420.95

Mid-market rate: 1 SGD = 6.1432 HKD

SGD/HKD Exchange Rate History

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

The cheapest way to send SGD 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 Wise), across 30 days of comparisons for 10,000 SGD transfers to Hong Kong.

HKD received for $10,000, after fees

Tue, 10 Nov 2026Mid-market rate$61,431.92 Wise $61,286.93Wise$61,286.93Key Currency$61,278.34Regency FX$61,266.05

60,800
61,000
61,200
61,400
61,600
At the mid-market rateWith the cheapest optionWiseKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1315 – $61,315.28
Wise Cheapest 6.1316 $23.89 $61,169.72 −$145.56
Key Currency 6.1162 $0.00 $61,161.99 −$153.29
Regency FX 6.1150 $0.00 $61,149.73 −$165.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1312 – $61,311.55
Wise Cheapest 6.1312 $23.89 $61,165.23 −$146.32
Key Currency 6.1158 $0.00 $61,158.27 −$153.28
Regency FX 6.1146 $0.00 $61,146.01 −$165.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1008 – $61,008.18
Wise Cheapest 6.1006 $23.89 $60,860.46 −$147.72
Key Currency 6.0856 $0.00 $60,855.66 −$152.52
Regency FX 6.0843 $0.00 $60,843.46 −$164.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1163 – $61,162.64
Wise Cheapest 6.1162 $23.89 $61,015.58 −$147.06
Key Currency 6.1010 $0.00 $61,009.73 −$152.91
Regency FX 6.0998 $0.00 $60,997.50 −$165.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1323 – $61,323.48
Wise Cheapest 6.1328 $23.89 $61,181.19 −$142.29
Key Currency 6.1170 $0.00 $61,170.17 −$153.31
Regency FX 6.1158 $0.00 $61,157.91 −$165.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1213 – $61,213.06
Wise Cheapest 6.1329 $23.89 $61,182.39 −$30.67
Key Currency 6.1060 $0.00 $61,060.03 −$153.03
Regency FX 6.1048 $0.00 $61,047.78 −$165.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1213 – $61,213.06
Wise Cheapest 6.1329 $23.89 $61,182.39 −$30.67
Key Currency 6.1060 $0.00 $61,060.03 −$153.03
Regency FX 6.1048 $0.00 $61,047.78 −$165.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1317 – $61,317.40
Wise Cheapest 6.1324 $23.89 $61,177.60 −$139.80
Key Currency 6.1164 $0.00 $61,164.11 −$153.29
Regency FX 6.1152 $0.00 $61,151.84 −$165.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1397 – $61,397.41
Wise Cheapest 6.1404 $23.89 $61,257.70 −$139.71
Key Currency 6.1244 $0.00 $61,243.92 −$153.49
Regency FX 6.1232 $0.00 $61,231.64 −$165.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1404 – $61,404.32
Wise Cheapest 6.1407 $23.89 $61,259.90 −$144.42
Key Currency 6.1251 $0.00 $61,250.81 −$153.51
Regency FX 6.1239 $0.00 $61,238.53 −$165.79
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 6.1422 $23.89 $61,274.86 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1336 – $61,336.26
Wise Cheapest 6.1333 $23.89 $61,185.98 −$150.28
Key Currency 6.1183 $0.00 $61,182.92 −$153.34
Regency FX 6.1171 $0.00 $61,170.65 −$165.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1417 – $61,416.92
Key Currency Cheapest 6.1263 $0.00 $61,263.38 −$153.54
Regency FX 6.1251 $0.00 $61,251.09 −$165.83
Wise 6.1350 $23.89 $61,203.63 −$213.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1417 – $61,416.92
Key Currency Cheapest 6.1263 $0.00 $61,263.38 −$153.54
Regency FX 6.1251 $0.00 $61,251.09 −$165.83
Wise 6.1350 $23.89 $61,203.63 −$213.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1309 – $61,309.02
Wise Cheapest 6.1310 $23.89 $61,163.73 −$145.29
Key Currency 6.1156 $0.00 $61,155.75 −$153.27
Regency FX 6.1143 $0.00 $61,143.49 −$165.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1210 – $61,210.08
Wise Cheapest 6.1209 $23.89 $61,063.27 −$146.81
Key Currency 6.1057 $0.00 $61,057.05 −$153.03
Regency FX 6.1045 $0.00 $61,044.81 −$165.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1198 – $61,197.82
Wise Cheapest 6.1198 $23.89 $61,052.00 −$145.82
Key Currency 6.1045 $0.00 $61,044.83 −$152.99
Regency FX 6.1033 $0.00 $61,032.59 −$165.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1242 – $61,241.71
Wise Cheapest 6.1247 $23.89 $61,100.68 −$141.03
Key Currency 6.1089 $0.00 $61,088.61 −$153.10
Regency FX 6.1076 $0.00 $61,076.36 −$165.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1396 – $61,395.66
Wise Cheapest 6.1395 $23.89 $61,248.63 −$147.03
Key Currency 6.1242 $0.00 $61,242.17 −$153.49
Regency FX 6.1230 $0.00 $61,229.89 −$165.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1353 – $61,353.04
Wise Cheapest 6.1378 $23.89 $61,231.17 −$121.87
Key Currency 6.1200 $0.00 $61,199.66 −$153.38
Regency FX 6.1187 $0.00 $61,187.39 −$165.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1353 – $61,353.04
Wise Cheapest 6.1378 $23.89 $61,231.17 −$121.87
Key Currency 6.1200 $0.00 $61,199.66 −$153.38
Regency FX 6.1187 $0.00 $61,187.39 −$165.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1361 – $61,360.60
Wise Cheapest 6.1365 $23.89 $61,218.80 −$141.80
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1287 – $61,286.66
Wise Cheapest 6.1287 $23.89 $61,140.19 −$146.47
Key Currency 6.1133 $0.00 $61,133.44 −$153.22
Regency FX 6.1121 $0.00 $61,121.19 −$165.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1365 – $61,365.12
Wise Cheapest 6.1368 $23.89 $61,221.79 −$143.33
Key Currency 6.1212 $0.00 $61,211.71 −$153.41
Regency FX 6.1199 $0.00 $61,199.43 −$165.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1470 – $61,469.81
Wise Cheapest 6.1474 $23.89 $61,327.14 −$142.67
Key Currency 6.1316 $0.00 $61,316.14 −$153.67
Regency FX 6.1304 $0.00 $61,303.84 −$165.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1223 – $61,223.34
Wise Cheapest 6.1222 $23.89 $61,075.84 −$147.50
Key Currency 6.1070 $0.00 $61,070.28 −$153.06
Regency FX 6.1058 $0.00 $61,058.04 −$165.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1142 – $61,142.42
Key Currency Cheapest 6.0990 $0.00 $60,989.56 −$152.86
Regency FX 6.0977 $0.00 $60,977.34 −$165.08
Wise 6.1112 $23.89 $60,965.60 −$176.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1137 – $61,136.79
Key Currency Cheapest 6.0984 $0.00 $60,983.95 −$152.84
Regency FX 6.0972 $0.00 $60,971.72 −$165.07
Wise 6.1112 $23.89 $60,965.60 −$171.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1257 – $61,256.77
Wise Cheapest 6.1254 $23.89 $61,108.16 −$148.61
Key Currency 6.1104 $0.00 $61,103.63 −$153.14
Regency FX 6.1091 $0.00 $61,091.38 −$165.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.1432 – $61,431.92
Wise Cheapest 6.1434 $23.89 $61,286.93 −$144.99
Key Currency 6.1278 $0.00 $61,278.34 −$153.58
Regency FX 6.1266 $0.00 $61,266.05 −$165.87

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 SGD 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 Singapore.

Right now, Wise pays 61,286.93 HKD on 10,000 SGD, which is 144.99 HKD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 61,327.14 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 89 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. WiseAppeared in 89 comparisons

    Cheapest in 48% of them

  2. Key CurrencyAppeared in 28 comparisons

    Cheapest in 14% of them

  3. Regency FXAppeared in 28 comparisons

    Never the cheapest

Based on 89 comparisons across 3 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 Wise is the cheapest and gets you the most HKD, but it was the cheapest in only 48% of the 89 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from Singapore to Hong Kong

There are 5 ways to send money to Hong Kong across 10 money transfer companies.

Cheapest way to send money

Online transfers

Sending HKD from Singapore with a specialist like Wise is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Wise charges S$23.89 to send S$10,000, delivering 61,286.93 HKD after a 0% markup.

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

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to Hong Kong.

A currency broker can quote a lower margin on large SGD to HKD transfers and help with the paperwork and the entire process.

For example, Key Currency charges an exchange-rate markup of around 0.25% and no fees.

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

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Wise lets you convert SGD to HKD before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Wise will get you 61,286.93 HKD after fees when converting 10,000 SGD.

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

Ways to fund SGD and receive HKD in Hong Kong

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 61,286.93 HKD.

Pay in SGD through bank transfer, PayNow, and debit card.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to Hong Kong from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In Hong Kong, they can receive HKD using bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay S$10,000.00

    HK$61,287

    Cheapest

  2. 2
    PayNow Bank deposit

    You pay S$10,000.00

    HK$61,287

    HK$0

  3. 3
    Debit card Bank deposit

    You pay S$10,000.00

    HK$58,481

    -HK$2,806

Things to know before sending SGD to Hong Kong

Consider these things before sending money from Singapore to Hong Kong.

Compare SGD/HKD transfers

For a S$10,000 transfer to Hong Kong, these are the best options to start with:

  1. Cheapest: Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 61,286.93 HKD, which is 0.01% more than the next best option.

  2. Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 61,115.05 HKD in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 10 of them on SGD to Hong Kong, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 89 comparisons across 3 amounts.

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

Each goes through our review. More on who we are, why you can trust us and how to get started.

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