Send money to Europe
- 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
- Bank transfer fee0 HKD
- Our fee30.09 HKD
Should arrive in seconds
Send money to Europe
- 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
- Bank transfer fee0 HKD
- Our fee30.09 HKD
Should arrive in seconds
How to send money to Europe from Hong Kong
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 in Europe.
Select who you want to send money to and which pay-out method to use.
Send HKD, receive EUR.
The recipient gets money in EUR 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
Secure money transfers to Europe
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 to Europe with WISE
The best way to send Hong Kong dollar to Euro 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.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
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 in Europe
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.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money to Europe from Hong Kong
The cheapest way to send 10,000 HKD to Europe is by using money that's in your Wise account and costs 27.33 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
HKD
EUR
| Sending 10,000 HKD | Transfer cost | ||
|---|---|---|---|
| Wise account | 27.33 HKD | ||
| Bank transfer | 30.09 HKD | ||
| Debit card | 427.63 HKD | ||
| Credit card | 450.58 HKD | ||
| Apple Pay | 464.29 HKD | ||
| Google Pay | 464.29 HKD | ||
Fastest way to send money to Europe from Hong Kong
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
EUR
| Sending 10,000 HKD | Should arrive | ||
|---|---|---|---|
| Wise account | in seconds | ||
| Bank transfer | in seconds | ||
| Debit card | in seconds | ||
| Credit card | in seconds | ||
| Apple Pay | in seconds | ||
| Google Pay | in seconds | ||
Send money to Europe from Hong Kong with the Wise app
Looking for an app to send money to Europe? 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 to Europe from Hong Kong with the Wise app
Looking for an app to send money to Europe? 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
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