We compared 10 companies sending money from the United States to Hong Kong. Key Currency is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Key Currency gets your recipient 54,745.1 HKD at 7.8207 HKD per USD.
| 10 of 10 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze USD/HKD exchange rates from our comparisons. | |||
| Based on 7,000 USD transfer Best companies for USD/HKD transfersAll money transfer offers for USD/HKD transfers, sorted by most HKD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee $29.53 1 USD = 7.8403 HKD 0.00% vs mid-market | Recipient gets $54,650.92 Same day | |
Ways to receive money in Hong Kong with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $29.531 USD = 7.8403 HKD $54,650.92You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 7.7412 HKD +1.27% vs mid-market | Recipient gets $54,188.40 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.7412 HKD $54,188.40You pay$7,000.00 | |||
Run a live search Showing top United States to Hong Kong deals for 7,000 USD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live USD to HKD rates. | |||
Run a live search These companies offer multi-currency accounts for spending HKD. We suggest doing a live search based on how much USD you're planning to spend in Hong Kong. | |||
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 7.8207 HKD +0.25% vs mid-market | Recipient gets $54,745.10 Minutes - 3 days | |
Ways to receive money in Hong Kong with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 7.8207 HKD $54,745.10You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 7.8192 HKD +0.27% vs mid-market | Recipient gets $54,734.13 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.8192 HKD $54,734.13You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 7.8079 HKD +0.41% vs mid-market | Recipient gets $54,655.30 Minutes - 24 hours | |
Ways to receive money in Hong Kong with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 7.8079 HKD $54,655.30You pay$7,060.79 | |||
| Wise Pay via Bank transfer | Fee $29.53 1 USD = 7.8403 HKD 0.00% vs mid-market | Recipient gets $54,650.92 Same day | |
Ways to receive money in Hong Kong with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $29.531 USD = 7.8403 HKD $54,650.92You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 7.8011 HKD +0.50% vs mid-market | Recipient gets $54,607.90 Minutes - 24 hours | |
Ways to receive money in Hong Kong with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.8011 HKD $54,607.90You pay$7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 USD = 7.8003 HKD +0.51% vs mid-market | Recipient gets $54,602.10 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.8003 HKD $54,602.10You pay$7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee $3.19 1 USD = 7.7890 HKD +0.66% vs mid-market | Recipient gets $54,498.00 Minutes - 24 hours | |
Ways to receive money in Hong Kong with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.191 USD = 7.7890 HKD $54,498.00You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 7.8266 HKD +0.18% vs mid-market | Recipient gets $54,469.26 Within minutes | |
Ways to receive money in Hong Kong with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 7.8266 HKD $54,469.26You 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 Bank transfer | Fee $0.00 1 USD = 7.7412 HKD +1.27% vs mid-market | Recipient gets $54,188.40 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.7412 HKD $54,188.40You pay$7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 7.7306 HKD +1.40% vs mid-market | Recipient gets $54,113.96 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 USD = 7.7306 HKD $54,113.96You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 7.7412 HKD +1.27% vs mid-market | Recipient gets $53,917.46 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 7.7412 HKD $53,917.46You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $5.99 1 USD = 7.6840 HKD +2.01% vs mid-market | Recipient gets $53,788.00 Minutes - 24 hours | |
Ways to receive money in Hong Kong with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 7.6840 HKD $53,788.00You pay$7,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $75.99 1 USD = 7.6840 HKD +2.01% vs mid-market | Recipient gets $53,788.00 Minutes - 24 hours | |
Ways to receive money in Hong Kong with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 7.6840 HKD $53,788.00You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $179.99 1 USD = 7.6840 HKD +2.01% vs mid-market | Recipient gets $53,788.00 Minutes - 24 hours | |
Ways to receive money in Hong Kong with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 7.6840 HKD $53,788.00You pay$7,179.99 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 7.7412 HKD +1.27% vs mid-market | Recipient gets $52,562.75 Minutes - 24 hours | |
Ways to receive money in Hong Kong with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 7.7412 HKD $52,562.75You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 7.840330 HKD Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Key Currency is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with MoneyGram.
For large transfers using a broker like Key Currency is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
You have 4 ways to pay for your transfer to Hong Kong, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
There are 10 companies available for sending money from the US to Hong Kong, across broker, online, app, multi-currency account, global account, and in person, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
MoneyGram charges $60.79 on a $7,000 transfer with 0.41% markup, saves your recipient's details for next time, and HKD arrives in minutes - 24 hours.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 54,655.3 HKD in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Hong Kong.
Of all online companies listed here, MoneyGram gets you the most HKD per USD.
On a $7,000 transfer, you will get 54,655.3 HKD after a $60.79 fee and 0.41% markup.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Hong Kong (e.g. a property purchase, tuition, or moving to Hong Kong), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/HKD that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving HKD.
This is useful for traveling to Hong Kong, building up HKD balance, or receiving payments in HKD.
Wise converts $7,000 at 0% markup plus small fee and holds the HKD until you spend it.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 54,745.1 HKD.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but the it may take some time for it to clear before a money transfer company can send the money to Hong Kong.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 54,655.3 HKD on $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Hong Kong.
Your recipient in Hong Kong can collect HKD through bank deposit and cash pickup.
They can collect cash in Hong Kong
Your recipient can collect HKD from a participating MoneyGram location in Hong Kong.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
$54,745
Cheapest
You pay $7,060.79
$54,655
-$90
You pay $7,000.00
$53,917
-$828
You pay $7,005.99
$53,788
-$957
You pay $7,075.99
$53,788
-$957
You pay $7,179.99
$53,788
-$957
You pay $7,000.00
$52,563
-$2,182
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Hong Kong
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 54,745.1 HKD, which is 0.02% more than the next best option.
Fastest way to send money to Hong Kong
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 54,469.26 HKD, with the money arriving in within minutes.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Hong Kong.
While Wise may not always be the cheapest or fastest way to send HKD, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much HKD your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 7.840325 HKD
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Hong Kong and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Hong Kong.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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