💸 Money Transfer

International transfers from Hong Kong using the real mid-market exchange rate, with fees shown clearly before sending. About Wise: Wise (formerly TransferWise) is an international money transfer service built around using the real mid-market exchange rate rather than a marked-up rate, charging a transparent fee instead of hiding a margin inside the exchange rate. Key Features: Real Exchange Rate: Uses the actual mid-market rate you'd see on Google, rather than a bank's marked-up rate. Transparent Fee Structure: The fee is shown separately and clearly before you confirm a transfer. Multi-Currency Account: An optional account that holds and converts multiple currencies, useful for frequent international spending. Fast Transfers to Many Countries: Many transfer routes complete within hours rather than days. How to Get Started: Download the Wise app or visit the website and create an account. Enter the amount and destination currency to see the real exchange rate and fee. Pay from a linked Hong Kong bank account or card. Track the transfer until it reaches the recipient's account. Important Notice: While Wise is transparent about its own fee, the recipient's bank may still apply its own incoming transfer charge on the other end, depending on the destination country and bank.

International money transfer service for sending funds from Hong Kong to family or accounts abroad at transparent rates. About Remitly: Remitly is a digital remittance service that lets users in Hong Kong send money internationally, showing the exchange rate and fee upfront before the transfer is confirmed, aimed particularly at recurring transfers to family abroad. Key Features: Upfront Rate and Fee Display: See the exact exchange rate and fee before confirming a transfer, with no hidden charges revealed later. Multiple Delivery Options: Send to a bank account, mobile wallet or for cash pickup depending on the destination country. Speed Tiers: Choose between faster transfers at a higher fee or slower, lower-cost economy transfers. Transfer Tracking: Track a sent transfer's status from send to delivery. How to Get Started: Download the Remitly app and create an account. Enter the recipient's country, amount and preferred delivery method. Review the exchange rate and fee, then pay from a linked card or bank account. Track the transfer until the recipient confirms receipt. Important Notice: Exchange rates and fees can vary between delivery speed options and destination countries — compare the total cost across a few options before choosing, especially for large transfers.

A long-established global money transfer network with both cash pickup and digital transfer options from Hong Kong. About Western Union: Western Union is one of the world's oldest and largest money transfer networks, offering both a digital app for bank and mobile wallet transfers and a huge network of physical agent locations for cash pickup transfers from Hong Kong. Key Features: Cash Pickup Option: Recipients in many countries can collect cash at an agent location without needing a bank account. Extensive Global Network: One of the widest networks of physical pickup locations of any transfer service. Digital and In-Person Options: Send via the app for bank/wallet transfers, or visit a physical agent for cash transactions. Transfer Tracking Number: Every transfer generates a tracking number (MTCN) to check status or confirm pickup. How to Get Started: Download the Western Union app or visit a physical agent location in Hong Kong. Enter the recipient's details, destination country and preferred delivery method. Pay by card, cash at an agent, or bank transfer depending on the option chosen. Share the tracking number (MTCN) with the recipient so they can collect or confirm the transfer. Important Notice: Cash pickup fees and exchange rates are often less competitive than app-only services like Wise for straightforward bank-to-bank transfers — cash pickup is most useful when the recipient lacks bank access.