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

Compare the best deals on transfers from Hong Kong to Spain. Explore the cheapest, fastest, and most reliable providers with the best HKD to EUR exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Spain from Hong Kong.

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July 9th, 2025
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Best money transfer companies

Send money from Hong Kong to Spain

Last updated: Today
Mid-market rate as of 07/09/2025: 1 HKD = 0.10872 EUR
Results below are based on a 54510 HKD search
0 of 10 providers
Sponsored
Wise
Recipient gets (EUR)
€5,912.28
Full transfer details
Visit Wise
€164 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,847.29
Full transfer details
Visit Xe
€99 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Wise
Recipient gets (EUR)
€5,912.28
Full transfer details
Visit Wise
€164 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Exclusive: Special Rate for 1st Transfer
2
Key Currency
Recipient gets (EUR)
€5,911.51
Full transfer details
Visit Key Currency
€163 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (EUR)
€5,910.33
Full transfer details
Visit Regency FX
€162 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (EUR)
€5,908.55
Full transfer details
Visit TorFx
€160 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
Currencies Direct
Recipient gets (EUR)
€5,897.98
Full transfer details
Visit Currencies Direct
€149 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
6
OFX
Recipient gets (EUR)
€5,890.30
Full transfer details
Visit OFX
€142 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
7
CurrencyFair
Recipient gets (EUR)
€5,884.62
Full transfer details
Visit CurrencyFair
€136 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (EUR)
€5,847.29
Full transfer details
Visit Xe
€99 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Lumon
Recipient gets (EUR)
€5,867.06
Sponsored
Wise
Recipient gets (EUR)
€5,912.28
Full transfer details
Visit Wise
€164 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,847.29
Full transfer details
Visit Xe
€99 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Overall top choice: Wise

Wise is the best way to transfer Hong Kong Dollar into Euro.

Of the 10 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost.

Sending 54,510 HKD to EUR will cost you $132.23 in fees, and you will receive 5,912.28 EUR.

When sending money from Hong Kong to Spain, using Wise in a great option.

Wise is the top rated company for sending money from Hong Kong (HKD) to Spain (EUR) - Wise Screenshot

How to to send from Hong Kong to Spain in the best way

Summary of recent searches

Top rated for transfers from Hong Kong to Spain
Wise
Total number of HK - ES providers
10
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise

Considerations to make sending money from Hong Kong to Spain easy

1
Compare providers

Comparing the different providers offering services between Hong Kong and Spain, is the best way to send money with confidence.

The 10 providers we've compared ensures you will get the best options for your transfer to Spain from Hong Kong. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring Hong Kong Dollar to Spain.

2
Exchange rates between Hong Kong Dollar-Euro
3
Choose the right payment method
4
Financial regulation in Hong Kong and Spain
5
Consider transfer limits
6
Receiving money in Spain
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Spain from Hong Kong: Wise

Of the 10 providers compared, Wise is the cheapest option for sending money today.

The cost is a combination of a fee of 132.23 HKD and an exchange rate for converting Hong Kong Dollar to Euro that is 0.02% different to the mid-market rate.

We found that Wise is 0.01% cheaper than the second-best option.

We would recommend Wise for low cost, affordable transfers from Euros to Spain.

Wise is the cheapest way to send money from Hong Kong (HKD) to Spain (EUR) - Wise Screenshot

Fastest way to send money to Spain from Hong Kong: Wise.

Of the 10 companies offering Hong Kong to Spain, Wise is the quickest.

If you send $54,510 with Wise to Spain, the transfer time is within minutes. This is currently the fastest option, but can vary depending on how much HKD you send to Spain.

Sending money from Hong Kong to Spain through Wise has a fee of 132.23 HKD.

To find the fastest company, we compared 10 money transfer providers for the overall speed of sending money from Hong Kong to Spain. This was made up of depositing Hong Kong Dollar to a money transfer account and transfer times to Spain.

When looking for the fastest money transfer, Wise is our best choice for sending into Spain from Hong Kong.

Wise is the fastest way to send money from Hong Kong (HKD) to Spain (EUR) - Wise Screenshot

Transfer a large amount of money

To transfer large sums of money from Hong Kong to Spain, opt for a provider with a competitive exchange rate and hands on management.

Wise is the strongest option for large transfers of the
10 money transfer companies tested.

Whatever the reason is for the transfer, sending large amounts of money from Hong Kong to Spain can become expensive through your bank or with the wrong provider.

Our data shows Wise as the best choice for sending large sums of money to Spain from Hong Kong.

Understanding the costs involved when transferring money to Spain from Hong Kong

When calculating the cost of sending money from Hong Kong to Spain, a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current HKD-EUR mid-market rate is 0.1089 EUR per Hong Kong Dollar. Finding a provider as close to this number as possible will ensure more Euro for your money.

  • As a comparison, the HKD-EUR mid-market rate for the past week has averaged 0.1083 EUR per Hong Kong Dollar, hitting a high of 0.1087 and a low of 0.108.

  • Wise is currently offering the best exchange rate on transfers between Hong Kong and Spain.

  • Often the HKD-EUR exchange rate you receive will be the biggest factor impacting the cost of sending Hong Kong Dollar to Spain.

Fees: Transfer fees are charged on top of a transfer. Wise currently offers lowest fees of 132.23 HKD. Although we recommend searching for your exact send amount for an exact fee.

Amount Received: The total amount received in Euro is the biggest indicator in the total cost of sending money to Hong Kong from Spain. The higher the total amount received in Spain, the lower the cost of sending from Hong Kong.

Getting best exchange rate for transfers between Hong Kong Dollar and Euro

Timing is essential for transferring money between HKD and EUR. The exchange rate you secure impacts how much EUR you get for your HKD.

Mid-market Rate
1 
HKD
=
0.108865 
EUR

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from HKD to EUR has moved slightly. On average, it was 0.1083.

  • During this same period,there was a high of 0.1087, and a low of 0.108.

  • Wise, which is our recommended service to send money online from Hong Kong to Spain offers 0.1087 EUR per HKD which is only 0.02% above the mid-market rate.

Want to secure the best HKD-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Hong Kong to Spain!

Payment methods for Hong Kong to
Spain transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from Hong Kong to Spain.

    By opting for a money transfer company such as Wise for transfers from Hong Kong to Spain, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Wise is the cheapest provider for bank transfers from the 10 we tested when sending HKD to Spain.

    With a fee of HKD132.23 to send money from Hong Kong to Spain, Wise offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from Hong Kong to Spain is easy with .


    is a market leader in debit card payments for transfers from Hong Kong to Spain, this is among a total of 10 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from Hong Kong to Spain, we recommend running a quick comparison to get the best deal as not many companies offer direct credit card deposits.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Spain and Hong Kong.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Hong Kong to Spain.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send HKD to EUR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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