International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
To get going with your first transfer, we provide an identity check to keep your money safe - all from the comfort of your own home. Learn more.
- Bank transfer fee0 HKD
- Our fee38.38 HKD
- You could save up to 197.28 HKD
Should arrive in seconds
International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
To get going with your first transfer, we provide an identity check to keep your money safe - all from the comfort of your own home. Learn more.
- Bank transfer fee0 HKD
- Our fee38.38 HKD
- You could save up to 197.28 HKD
Should arrive in seconds
See how much it costs to send money abroad
The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.
 Hang Seng |  Wise |  HSBC HK |  Bank of East Asia | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 1,816.81 CNY | 1,794.49 CNY | 1,754.47 CNY | 1,614.01 CNY |
Exchange rate (1 HKDCNY) | 0.908405 | 0.914798 | 0.909052 | 0.911872 |
Exchange rate markup | 13.98 HKD | 0 HKD | 12.56 HKD | 6.40 HKD |
Transfer fee | 0 HKD | 38.38 HKD | 70 HKD | 230 HKD |
Total transfer cost | 13.98 HKD | 38.38 HKD | 82.56 HKD | 236.40 HKD |
We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.
How to send money internationally from India
Enter amount to send in HKD.
Pay in HKD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send HKD, receive CNY.
The recipient gets money in CNY directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team
How we keep your money safe
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
- Your money, not oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Best ways to send money internationally with WISE
The best way to send Hong Kong dollar to Chinese yuan is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
How to receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
ACH
ACH
You’ll need to enter the recipient’s personal and banking information to make sure their payment can be processed quickly and securely. Learn more about ACH payments.
Wire
Wire
A wire transfer is a convenient payment method. To make a transfer you’ll need your recipient’s personal and account details. Learn more about Wire transfers.
Swift
Swift
To send a quick and secure Swift payment, all you'll need is your recipient’s IBAN number. It’s that easy. Learn more about Swift payments.
Cheapest way to send money abroad from India
The cheapest way to send 2,000 HKD to CNY is by using money that's in your Wise account and costs 35.29 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
HKD
CNY
| Sending 2,000 HKD | Transfer cost | ||
|---|---|---|---|
| Bank transfer | 38.38 HKD | ||
| Debit card | 117.58 HKD | ||
| Credit card | 122.15 HKD | ||
| Apple Pay | 124.88 HKD | ||
| Google Pay | 124.88 HKD | ||
Fastest way to send money abroad from India
Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
HKD
CNY
| Sending 2,000 HKD | Should arrive | ||
|---|---|---|---|
| Bank transfer | in seconds | ||
| Debit card | in seconds | ||
| Credit card | in seconds | ||
| Apple Pay | in seconds | ||
| Google Pay | in seconds | ||
Send money from India with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money from India with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Frequently asked questions
See where Wise works
- Send money
