MoneyTransfers

How to send money to the US from Hong Kong with the best HKD-USD rate

Get the best deals when you transfer from Hong Kong to United States. Find the cheapest, fastest, and most reliable providers with the best HKD to USD exchange rates.

Read on for the best deals, expert information, and all you need to send money to United States from Hong Kong.

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July 7th, 2025
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Best money transfer companies

Send money from Hong Kong to United States

Last updated: Today
Mid-market rate as of 07/07/2025: 1 HKD = 0.12739 USD
Results below are based on a 54510 HKD search
0 of 12 providers
Sponsored
Wise
Recipient gets (USD)
$6,924.44
Full transfer details
Visit Wise
$189 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 (USD)
$6,853.00
Full transfer details
Visit Xe
$117 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
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1
Instarem
Recipient gets (USD)
$6,944.57
Full transfer details
Visit Instarem
$209 better than a typical bank*

"Most transfers are instant or same-day. Customers can earn rewards on every transaction."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Key Currency
Recipient gets (USD)
$6,926.67
Full transfer details
Visit Key Currency
$191 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
3
CurrencyFair
Recipient gets (USD)
$6,926.40
Full transfer details
Visit CurrencyFair
$191 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
Exclusive: First Transfer Deal
4
Regency FX
Recipient gets (USD)
$6,925.28
Full transfer details
Visit Regency FX
$190 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
5
Wise
Recipient gets (USD)
$6,924.44
Full transfer details
Visit Wise
$189 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
Rate match guarantee (T&Cs apply)
6
TorFx
Recipient gets (USD)
$6,923.20
Full transfer details
Visit TorFx
$187 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
7
OFX
Recipient gets (USD)
$6,905.87
Full transfer details
Visit OFX
$170 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
8
Currencies Direct
Recipient gets (USD)
$6,884.61
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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
9
Xe
Recipient gets (USD)
$6,853.00
Full transfer details
Visit Xe
$117 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.
Panda Remit
Recipient gets (USD)
$6,922.69
Sponsored
Wise
Recipient gets (USD)
$6,924.44
Full transfer details
Visit Wise
$189 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 (USD)
$6,853.00
Full transfer details
Visit Xe
$117 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
How effectively does your finance team manage international cash flow?

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Best choice: Wise

Wise is our recommended way to send Hong Kong Dollar to USD.

We tested & reviewed dozens of money transfer providers, and Wise scored highly.

Transferring 54,510 HKD to USD will cost you $153.31 in fees, and you will receive 6,924.44 USD. The delivery time is same day, but it depends on the day you make the transfer.

So for a great blend of cost, speed & features, make your Hong Kong to the United States transfer using Wise.

Wise is the top rated company for sending money from Hong Kong (HKD) to United States (USD) - Wise Screenshot

How to to send from Hong Kong to United States in the best way

Summary of recent searches

Top rated for transfers from Hong Kong to United States
Wise
Total number of HK - US providers
12
Average cheapest fees & rate
Instarem
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Instarem
Best for debit card
Instarem

Get the most from sending money from Hong Kong to United States

1
Compare providers

Comparing providers offering services between Hong Kong and the United States based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire HKD-USD market and have compared 12 providers offering services between Hong Kong and the United States.

This ensures you will get the most comprehensive options for sending Hong Kong Dollar to the United States.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Hong Kong to the United States transfer needs.

2
Beat the Hong Kong Dollar-US Dollar exchange rate
3
Choose the right payment method
4
Financial regulations across Hong Kong and United States
5
Consider minimum and maximum limits
6
Receiving money in United States
7
Be ready with your ID
8
Tax declarations

Cheapest way to send money from Hong Kong to the United States: Instarem

Instarem offers the lowest cost transfers of the 12 compared.

Data collected for transfers between Hong Kong and the United States over the past week shows that Instarem is 0.26% cheaper than the second-best option.

This cost combines the exchange rate between the Hong Kong Dollar and US Dollar that is -0.01% different to the mid-market rate and the fee of 272.55 HKD.

Instarem is the cheapest way to send money from Hong Kong (HKD) to United States (USD) - Instarem Screenshot 1
Instarem is the cheapest way to send money from Hong Kong (HKD) to United States (USD) - Instarem Screenshot 2

Fastest money transfers to the United States from Hong Kong: Wise.

Of 12 money transfer companies offering services from Hong Kong to the United States, Wise is the quickest way to send money.

With Wise , the transfer time to US is same day, with a 153.31 HKD transfer fee (based on $54,510 transfer)

When testing the fastest options, we compared the 12 money transfer providers offering Hong Kong to the United States transfers for overall speed. This included transfer times to after depositing Hong Kong Dollar to a money transfer account.

When you want the fastest way to send, Wise is our recommended choice for Hong Kong to the United States transfers.

Wise is the fastest way to send money from Hong Kong (HKD) to United States (USD) - Wise Screenshot

Sending a large amount of money?

For big transfers from Hong Kong to the United States, competitive pricing & strong customer service are essential.

Of the
12 providers compared, Wise is the best rated for higher transfer amounts.

Sending large amounts of money can be expensive, and while Wise may not always be the fastest or cheapest way to send money from Hong Kong to United States, it's a great provider for things like buying or selling property.

Understanding the cost of money transfers from Hong Kong to United States

The total cost of sending money to United States from Hong Kong is made up of a combination of mid-market, exchange rates and fees.

The Mid-Market and Exchange Rates: The current mid-market for HKD-USD is 0.1274 USD per Hong Kong Dollar.

Using a transfer company with an exchange rate as close to the mid-market rate as possible will result in being able to buy more US Dollar for your Hong Kong Dollars.

Over the last 7 days, the average HKD-USD mid-market rate has seen each Hong Kong Dollar worth 0.1274 USD. Within this we see a high of 0.1274, and a low of 0.1274.

Of the 12 companies compared, Instarem offers the best exchange rates.

The biggest factor in the overall cost of sending money is the exchange rate you receive on converting HKD to USD.

Fees: When sending money you may have to pay fees. Instarem costs 272.55 HKD per transfer at the moment, which is the cheapest option of the 12 providers compared. We would recommend searching to ensure you get the correct fee for your transfer amount.

Amount Received: When comparing providers, the best measure is the amount of US Dollar eventually received in the United States.

This number should be a guide for your decision if cost is important. A higher amount of money received in the United States means a better overall cost of sending money from Hong Kong.

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

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

Mid-market Rate
1 
=
0.127390 
USD

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from HKD to USD has moved slightly. On average, it was 0.1274.

  • During this same period,there was a high of 0.1274, and a low of 0.1274.

  • Wise, which is our recommended service to send money online from Hong Kong to United States offers 0.1274 USD per HKD which is only -0.01% above the mid-market rate.

Want to secure the best HKD-US Dollar 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 the United States!

Payment methods available to fund your Hong Kong to
United States transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from Hong Kong to the United States.

    Sending money via a bank transfer with a company such as Instarem for transfers from Hong Kong to the United States allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Instarem is the best provider for bank transfers of the 12 we tested when sending HKD to the United States.

    With a fee of HKD272.55 to send money from Hong Kong to the United States, Instarem offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Hong Kong to the United States with a prepaid or a debit card is very simple with Instarem.


    Instarem is a leader in card payments for transfers from Hong Kong to the United States, competing among a total of 12 active money transfer companies on this route.

  • Credit cards

    When it comes to international credit card transfers from Hong Kong to the United States, we recommend comparing your options to get the best deal.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between United States 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 United States.


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


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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Are there any minimum or maximum transfer amounts for sending money from Hong Kong to United States?
Can I schedule regular transfers between Hong Kong and United States?

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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