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Compare some of the best international money transfer services

How to get the most competitive rate, the lowest commission and the quickest international money transfers.


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TransferWise logo
  • Fair service fees and mid-market rates – a major market differentiator
  • Next-day delivery for most currencies
  • Easy-to-use app
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Are you looking for a way to send money overseas? We compare a number of financial institutions that offer some of the best deals on international money transfers in the market. Read on for tips about how to find the best deal you can get.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 10 1 - 2 days HKD 140.00 0.129 USD
以透明的匯率,低收費及低最低金額的網上服務作匯款。 TransferWise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
USD 5 1 - 2 days HKD 25.00 0.128 USD
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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SGD 1 1 day HKD 42.00 0.129 USD
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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USD 50 1 day HKD 35.00 0.129 USD
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details
USD 1 1 day HKD 0.00 0.127 USD
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用超過130種貨幣匯款。 WorldFirst sends 60+ currencies at competitive rates with no fees. If you find a better eligible quote, WorldFirst will beat it.
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USD 1 Within an hour HKD 20.00 0.128 USD
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. Go to site Show details
USD 100 1 day HKD 15.00 0.127 USD
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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GBP 5,000 1 - 2 days HKD 0.00 0.127 USD
可匯款至20+個國家,無手續費。 CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace. Go to site Show details
USD 2,000 1 day HKD 0.00 0.127 USD
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。 TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How to find the best exchange rate

Exchange rate information is for the most part readily available online. Banks publish their rates daily and large financial institutions all have online calculators that make it easy to see what they’re offering. You’ll find it’s less than what you can get from a non-bank international money transfer service. Peer-to-peer (P2P) international payments can give you near the market rate; however, you’re still going to pay a margin on the rate plus a commission.

Best-rate guarantees and price promises

TorFX offers a best-rate guarantee on international money transfers. Just send a photo or a copy of a competitor’s quote and TorFX will beat it – up to the market rate. The sign-up process for TorFX is more involved than some other companies. For example, TransferWise lets you sign up using Facebook, but TorFX needs to see some paperwork before your registration is complete.

Travelex offer something similar called the International Payments Price Promise, which guarantees the best overall quote on international money transfers. You have to contact Travelex within 30 minutes of finding a better deal from a competitor. Like TorFX, Travelex have a two-step process to sign up. You can make on-the-spot payments before you speak to Travelex over the phone to complete your registration.

Bank and non-bank USD/ HKD comparison


*08:35pm 06 Jan 2018


Some online calculators quote the interbank rate and give you an example figure only. The actual rate you get is shown when you’re given a full quote.

How to find the lowest commission

There are money transfer companies that won’t charge you a commission, although these institutions may include a bigger margin on the exchange rate. Compare the exchange rate of the following no-commission international payment companies.

No commission

  • TorFX
  • Citibank Global Transfers
  • HSBC Premier Banking
  • OFX – finder exclusive deal

First transfer free

  • World First
  • CurrencyFair – finder first transfer free
  • Western Union

Low transfer fee

  • 1st Contact Forex gives you every fifth transfer for free.
  • TransferWise also gives a good rate and charges 2.5% of the amount fee thats covered and an addition HKD$ 20.
  • InstaReM

Free global transfers using local banks in Hong Kong

If you have a HSBC Premier or HSBC Advance account, you can make free international money transfers to overseas HSBC accounts in over 30 countries with no transfers fees. Similarly with Citibank, instant fund transfers are available to overseas Citibank accounts in 19 countries.

Check with your bank to make sure you fit the requirements for waived international money transfers.

How to find the transfer speed you want

Many of the money transfer companies we compare can send money overseas at a good rate and a good price, but the process will take a couple of days.

There are three companies that can send money overseas that is ready to collect in just minutes. If you need to get emergency cash overseas quickly, WorldRemit, Western Union and MoneyGram are the companies to compare. They have the highest transfer fees and you can find a better rate elsewhere; however, Western Union and MoneyGram have hundreds of thousands of cash collection points all over the world.

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How to find the money transfer features you want

Different companies have different strengths. For example, Western Union is good for speed and accessibility and not so good on fees; whereas a company such as TorFX can help with purchasing overseas property and immigrating to another country.

If you’re looking for more transfer options, such as market and limit orders, you can have a look at these companies.

  • TorFX
  • 1st Contact Forex
  • FC Exchange
  • Currency Solutions
  • WorldFirst
  • OFX
  • Mercury FX

If you’re looking for business international money transfer services, you can consider these companies.

  • 1st Contact Forex
  • TorFX
  • WorldFirst
  • OFX
  • TransferWise
  • PayPal
  • Mercury FX
  • InstaReM

Compare business international money transfers

If you want to make regular international money transfers, you can have a look at these companies.

  • TorFX
  • OFX
  • Currency Solutions
  • UAE Exchange
  • Mercury FX
  • InstaReM
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Where are you sending money to?

Read specific information to find the best way to send money to different countries on this page. From Afghanistan to Zimbabwe, find out which companies support which currencies as well as Western Union locations and more.

How to compare international money transfer companies

  • Transfer fee. The price of the international money transfer.
  • Exchange rate. The rate of exchange between Hong Kong dollars and the foreign currency.
  • Transfer speed. The time it takes for the money to reach the recipient. Transfer time ranges from minutes to half a week.
  • Payment methods. Can you pay using your credit card or debit card?
  • Collection options. Do you have the choice of collecting the money as cash or having it deposited into a bank account?
  • Customer service. Can you contact a customer service representative if you have a question about your international money transfer?

If you have any questions about comparing international money transfer companies, get in touch with us using the form below.

This article discusses how to get the best exchange rates while sending money overseas. The use of the term “best” does not refer to product ratings and are subject to our disclaimer. Exchange rates mentioned in this article are validated at the time of publishing and may vary with time.

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