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How to send money to Hong Kong

Safe, secure and cost-effective transfer options when you need to send money to Hong Kong from the Philippines.


Fact checked

The Philippines and Hong Kong share strong commercial and personal links. Around 160,000 Filipinos are based in Hong Kong, which means there are plenty of situations where you might need to send money from the Philippines.

Before you do, make sure you compare a range of money transfer providers to find the best possible deal.

Compare services that send money to Hong Kong from the Philippines

Name Product Minimum Transfer Transfer Time Transfer Fee
1 day
USD 9.99
Easily transfer cash to more than 350,000 locations around the world.
Western Union
Western Union
Same day
Send money online to friends and family around the world with Western Union.

Compare up to 4 providers

Banks versus money transfer services

As the Hong Kong Dollar is a widely used currency, many major banks allow you to transfer Hong Kong Dollars overseas. However, banks generally offer poor exchange rates and relatively high fees for international money transfers, which can leave you significantly out of pocket. Instead of sending funds through your bank, why not consider the services of a money transfer company?

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How to compare transfer companies when transferring money to Hong Kong

  • Exchange rates. Check to see which company offers the best exchange rates, but remember that companies with higher exchange rates may also charge higher transfer fees.
  • Fees. Make sure you’re aware of all the fees that you will incur with different providers when you send money to Hong Kong.
  • Transfer methods. While some companies are online only, others will also allow you to place transfers from your smartphone, over the telephone or by visiting a branch.
  • Transfer options. Check to see if you can place limit orders, lock in a good exchange rate with a forward contract or enjoy the convenience of setting up a regular payment.
  • Turnaround time. Will your funds be available to your recipient in minutes, or will they need to wait for two or more days for the transaction to be processed?
  • Minimum amount. Check to see whether each company imposes a minimum transfer limit as this can be restricting if you only need to transfer small sums of cash.
  • Pickup methods. While some companies only offer bank account transfers, others offer cash pickup from an agent location, mobile wallet transfers and even home delivery.
  • Customer service. If anything goes wrong with a transaction, will phone, email and live chat support be provided? During which hours?
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How to send money to Hong Kong from the Philippines

  • Bank transfers. Many banks will allow you to send Hong Kong Dollars from your account to your recipient’s Hong Kong bank account.
  • Online money transfer providers. A range of specialist online providers offer a cheaper transfer method than the big banks.
  • Money transfer companies with cash pickup options. Consider sending funds through Western Union or MoneyGram so that your recipient can pick up cash from an agent location.
  • Cheques. International guaranteed cheques are a secure way to send money overseas.
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Emergency cash transfers in Hong Kong

If you need to transfer money to Hong Kong urgently, you may be charged a higher fee and have to settle for a lower exchange rate. Sometimes this sacrifice is necessary when you need to send an emergency cash transfer, but just make sure to carefully review all the details of a transaction before you commit to it.

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Tips for picking up cash in Hong Kong

Although the Department of Foreign Affairs classifies Hong Kong as a safe country to visit, this doesn’t mean you shouldn’t take care when picking up cash in Hong Kong. The following tips can help ensure your safety and the security of your money:

  • Take a friend along to deter thieves
  • Keep your cash hidden and don’t promote your wealth
  • Avoid any high-crime areas
  • Keep an eye on your wallet/bag at all times
  • Deposit the funds into your bank account as soon as possible
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How to send money to Hong Kong

There are plenty of options to choose from when you need to send money to Hong Kong, and whichever option you choose you will usually need to sign up for an account before sending your transfer. The exact registration process differs between companies but you’ll generally need to provide:

  • Your full name
  • Your address and contact details
  • Your date of birth
  • Proof of identity
  • In some cases you will need to provide bank account or credit card information

Before you choose an international money transfer provider, compare the fees and benefits of a range of money transfer companies. Doing a thorough comparison will ensure that you get value for money when you send funds to Hong Kong.

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