What's the cheapest way to send money from Hong Kong to Australia?

The cheapest way to send money from Hong Kong to Australia is through an online provider. Among the 14 available, [Instarem](https://go.monito.com/instarem?lng=en) was most often the cheapest provider (in 58.8% of the searches on Monito.com in the past 3 months).

How much does it cost to send money from Hong Kong to Australia?

If you send money with the cheapest available provider, the total cost of a HKD-AUD transfer was 0.2% of the transfer amount (including all fees and exchange rates) over the past month. In contrast, the cost of the most expensive option was 8.2%.

What is the cost of making an international transfer from Hong Kong to Australia using my bank?

The average total cost (including hidden exchange rate markup) of making a HKD-AUD transfer with banks compared by Monito.com during the past months was 4.3% of the transfer amount. This is 28.5x more expensive than sending money with the cheapest online provider alternative. For a 10000 HKD transfer, this represents a saving potential of around 414.2 HKD.

Is Western Union a good option for sending money from Hong Kong to Australia?

Western Union is a popular provider, with the biggest agent location network. The average cost of online money transfers from Hong Kong to Australia with Western Union* is 0.4% of the amount you send, whereas the cheapest online services have an average cost of 0.2%. [MoneyGram](https://go.monito.com/moneygram?lng=en) is the provider that is most often the cheapest for money transfers to a cash pick-up location in Australia. *Sending money from physical agent locations with Western Union is usually much more expensive than using their online service.

What's the cheapest provider to send money from Hong Kong to a cash pick-up location in Australia?

Over the past 3 months, the provider that was most often the cheapest for cash pick-up transfers in Australia was [MoneyGram](https://go.monito.com/moneygram?lng=en), with an average cost of 1.0% of the amount you send (includes fees + exchange rate margin). The average total cost to send to a bank account rather than to a pick-up location during the same period was 0.2%. [Instarem](https://go.monito.com/instarem?lng=en) was the provider most often the cheapest for transfers to bank accounts in Australia.

What is the fastest option to send money from Hong Kong to Australia

The provider that was most often the fastest provider in comparisons of the past 30 days was [Wise](https://go.monito.com/wise?lng=en) (average fastest transfer time: In minutes)

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Top Providers For transfers from Hong Kong to Australia

Based on 17 comparisons made by Monito users in the past 3 months.

Compare live results

Best for Transfers to a Bank Account

Cheapest
8.3

Cheapest

in 59% of all comparisons
Go to Instarem
Top rated
9.0

Top rated

in 100% of all comparisons
Fastest

in 77% of all comparisons
Go to Wise

Best of 14 providers. Compare all

Best for Transfers to Cash Pickup

Top provider
8.5

Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons
Go to MoneyGram
Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons

Best of 2 providers. Compare all

Stay on top of the market

1 HKD = AUD Mid-market exchange rate

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Compare 14 providers for a 10,000 HKD transfer from Hong Kong to Australia

Results updated . 11 days ago

For the most up-to-date and accurate results, start a new search

Sponsored
8.5
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.9
Service & Quality

7.7
Fees & Exchange Rates

8.2
Customer Satisfaction

9.1
Read the full review
Transfer time

Fee & rates

Recipient gets

In minutes

Pay by Credit card, Debit card

Recipient gets

Fee 8.00 HKD

Exchange rate 0.1800

0.72% worse than mid‑market rate

1,799 AUD

You pay

10,000.00 HKD

Fee

8.00 HKD

Exchange rate

0.1800

1 HKD = 0.1800 AUD

0.72% worse than mid‑market rate 0.1813

Recipient gets
1,799 AUD

Transferred to a bank account

Details Go to MoneyGram Go

Compare 9 providers

Sorted by amount received

Report a problem

Best deal
8.3
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.9
Service & Quality

6.7
Fees & Exchange Rates

9.3
Customer Satisfaction

8.4
Read the full review
Includes zero transfer fees on your first transfer Details

Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1810

0.17% worse than mid‑market rate

1,810 AUD

1,799 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

59.00 HKD

Exchange rate

0.1810

1 HKD = 0.1810 AUD

0.17% worse than mid‑market rate 0.1813

Recipient gets
1,810 AUD

1,799 AUD

Transferred to a bank account

In minutes

Pay by Debit card

Recipient gets

Fee 200.00 HKD

Exchange rate 0.1810

0.17% worse than mid‑market rate

1,774 AUD

1,763 AUD

You pay

10,000.00 HKD

Fee

200.00 HKD

259.00 HKD

Exchange rate

0.1810

1 HKD = 0.1810 AUD

0.17% worse than mid‑market rate 0.1813

Recipient gets
1,774 AUD

1,763 AUD

Transferred to a bank account

Details Go to Instarem Go
8.6
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

9.0
Service & Quality

8.5
Fees & Exchange Rates

7.4
Customer Satisfaction

9.5
Read the full review
Over 10 million online customers

Transfer time

Fee & rates

Recipient gets

2 to 4 days

Pay by Bank transfer

Recipient gets

Fee 5.00 HKD

Exchange rate 0.1807

0.33% worse than mid‑market rate

1,806 AUD

You pay

10,000.00 HKD

Fee

5.00 HKD

Exchange rate

0.1807

1 HKD = 0.1807 AUD

0.33% worse than mid‑market rate 0.1813

Recipient gets
1,806 AUD

Transferred to a bank account

2 to 3 days

Pay by Credit card, Debit card

Recipient gets

Fee 280.00 HKD

Exchange rate 0.1791

1.23% worse than mid‑market rate

1,741 AUD

You pay

10,000.00 HKD

Fee

280.00 HKD

Exchange rate

0.1791

1 HKD = 0.1791 AUD

1.23% worse than mid‑market rate 0.1813

Recipient gets
1,741 AUD

Transferred to a bank account

Details Go to Western Union Go
9.2
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

9.3
Service & Quality

8.2
Fees & Exchange Rates

10
Read the full review
Includes zero transfer fees on your first 2 transfers with code WELCOME15K Details

Transfer time

Fee & rates

Recipient gets

Same day

Pay by Bank transfer

Recipient gets

Fee 45.00 HKD

Exchange rate 0.1810

0.16% worse than mid‑market rate

1,802 AUD

You pay

10,000.00 HKD

Fee

45.00 HKD

Exchange rate

0.1810

1 HKD = 0.1810 AUD

0.16% worse than mid‑market rate 0.1813

Recipient gets
1,802 AUD

Transferred to a bank account

Details Go to SingX Go
8.5
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

9.1
Service & Quality

7.7
Fees & Exchange Rates

8.2
Customer Satisfaction

8.9
Read the full review
Includes zero transfer fees on all transfers for 3 months Details

Transfer time

Fee & rates

Recipient gets

1 to 6 days

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1801

0.67% worse than mid‑market rate

1,801 AUD

1,797 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

22.21 HKD

Exchange rate

0.1801

1 HKD = 0.1801 AUD

0.67% worse than mid‑market rate 0.1813

Recipient gets
1,801 AUD

1,797 AUD

Transferred to a bank account

Details Go to CurrencyFair Go
8.5
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.9
Service & Quality

7.7
Fees & Exchange Rates

8.2
Customer Satisfaction

9.1
Read the full review
Transfer time

Fee & rates

Recipient gets

In minutes

Pay by Credit card, Debit card

Recipient gets

Fee 8.00 HKD

Exchange rate 0.1800

0.72% worse than mid‑market rate

1,799 AUD

You pay

10,000.00 HKD

Fee

8.00 HKD

Exchange rate

0.1800

1 HKD = 0.1800 AUD

0.72% worse than mid‑market rate 0.1813

Recipient gets
1,799 AUD

Transferred to a bank account

Details Go to MoneyGram Go
?
Our score

We've not yet reviewed this provider.

Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee 243.04 HKD

Exchange rate 0.1793

1.12% worse than mid‑market rate

1,749 AUD

Estimated

You pay

10,000.00 HKD

Fee

50.00 HKD

Exchange rate

0.1793

1 HKD = 0.1793 AUD

1.12% worse than mid‑market rate 0.1813

Recipient gets
1,749 AUD

Estimated

Transferred to a bank account

Details
Not recommended
Consistently poor exchange rates, high fees and low customer satisfaction.
?
Our score

We've not yet reviewed this provider.

Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

Transfer time

Fee & rates

Recipient gets

3 to 5 days

Pay by Bank transfer

Recipient gets

Fee 258.04 HKD

Exchange rate 0.1793

1.09% worse than mid‑market rate

1,747 AUD

Estimated

You pay

10,000.00 HKD

Fee

65.00 HKD

Exchange rate

0.1793

1 HKD = 0.1793 AUD

1.09% worse than mid‑market rate 0.1813

Recipient gets
1,747 AUD

Estimated

Transferred to a bank account

Details
Not recommended
Consistently poor exchange rates, high fees and low customer satisfaction.
?
Our score

We've not yet reviewed this provider.

Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

Transfer time

Fee & rates

Recipient gets

3 to 5 days

Pay by Bank transfer

Recipient gets

Fee 308.04 HKD

Exchange rate 0.1798

0.81% worse than mid‑market rate

1,743 AUD

Estimated

You pay

10,000.00 HKD

Fee

115.00 HKD

Exchange rate

0.1798

1 HKD = 0.1798 AUD

0.81% worse than mid‑market rate 0.1813

Recipient gets
1,743 AUD

Estimated

Transferred to a bank account

Details
Not recommended
Consistently poor exchange rates, high fees and low customer satisfaction.
7.8
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.8
Service & Quality

8.7
Fees & Exchange Rates

5.5
Customer Satisfaction

8.3
Read the full review
Transfer time

Fee & rates

Recipient gets

1 to 2 days

Pay by Debit card, Credit card

Recipient gets

Fee Free

Exchange rate 0.1726

4.8% worse than mid‑market rate

1,726 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1726

1 HKD = 0.1726 AUD

4.8% worse than mid‑market rate 0.1813

Recipient gets
1,726 AUD

Transferred to a bank account

Details Go to Skrill Go

Best deal
7.6
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.8
Service & Quality

7.8
Fees & Exchange Rates

5.3
Customer Satisfaction

8.5
Read the full review
Transfer time

Fee & rates

Recipient gets

2 days

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1792

1.17% worse than mid‑market rate

1,792 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1792

1 HKD = 0.1792 AUD

1.17% worse than mid‑market rate 0.1813

Recipient gets
1,792 AUD

Transferred to a bank account

Details Go to OFX Go
8.0
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.8
Service & Quality

8.0
Fees & Exchange Rates

6.8
Customer Satisfaction

8.2
Read the full review
Transfer time

Fee & rates

Recipient gets

Next day

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1767

2.53% worse than mid‑market rate

1,767 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1767

1 HKD = 0.1767 AUD

2.53% worse than mid‑market rate 0.1813

Recipient gets
1,767 AUD

Transferred to a bank account

Details Go to Moneycorp Go
8.4
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

10
Service & Quality

8.2
Fees & Exchange Rates

5.9
Customer Satisfaction

9.5
Popular with Monito users

Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1765

2.63% worse than mid‑market rate

1,765 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1765

1 HKD = 0.1765 AUD

2.63% worse than mid‑market rate 0.1813

Recipient gets
1,765 AUD

Transferred to a bank account

In minutes

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.1765

2.68% worse than mid‑market rate

1,765 AUD

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1765

1 HKD = 0.1765 AUD

2.68% worse than mid‑market rate 0.1813

Recipient gets
1,765 AUD

Transferred to a mobile wallet

Details Go to XE Money Transfer Go
9.0
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.3
Service & Quality

8.2
Fees & Exchange Rates

10
Customer Satisfaction

9.4
Read the full review
Transfer time

Fee & rates

Recipient gets

1 to 6 days

Pay by International bank transfer

Recipient gets

Fee 310.68 HKD

Exchange rate 0.1787

1.46% worse than mid‑market rate

1,731 AUD

Estimated

You pay

10,000.00 HKD

Fee

0.00 HKD

Exchange rate

0.1787

1 HKD = 0.1787 AUD

1.46% worse than mid‑market rate 0.1813

Recipient gets
1,731 AUD

Estimated

Transferred to a bank account

Details Go to Currencies Direct Go

We source transfer fees, rates and other data from money transfer providers in different ways - in most cases in real time. We constantly monitor the quality of our comparison data, but we cannot guarantee its accuracy.

Want to send money to Hong Kong from Australia instead?

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25M+ comparisons made

With more than 7 million searches per year, Monito's real-time comparison engine is a world leader in comparing international money transfer services.
$80M+ in transfer fees saved

By choosing a transfer service found on Monito, the average user pays a total of just 0.59% in fees and exchange rates. Compared to the 4.6% paid at a bank or traditional cash transfer service, Monito users have saved around $80 million in total to date!
200+ providers compared

For every service appearing on Monito, our experts build in-depth reviews using dozens of verifiable criteria to make clear, actionable recommendations to guide your decisions.
2,000+ in-depth guides

Far too often, sending money abroad is both pricey and problematic. That's exactly why our team of experts works tirelessly to offer the most in-depth, up-to-date, and helpful consumer advice.

Monito's Recommendations for Sending Money from Hong Kong to Australia

Advertiser disclosure

Today's cheapest money transfer service might not be the cheapest tomorrow. Find the one that's best-suited to your needs and preference by comparing the best performers on Monito's comparison engine over the past 30 days for transfers from Hong Kong to Australia:

Best Ways to Send Money from Hong Kong to Australia

The best rated: Wise (9/10)
The cheapest: Instarem and Western Union
The fastest: Wise
The best rated (transfer to cash pickup): MoneyGram (8.5/10)

Frequently Asked Questions

What's the cheapest way to send money from Hong Kong to Australia?

The cheapest way to send money from Hong Kong to Australia is through an online provider. Among the 14 available, Instarem was most often the cheapest provider (in 58.8% of the searches on Monito.com in the past 3 months).
How much does it cost to send money from Hong Kong to Australia?

If you send money with the cheapest available provider, the total cost of a HKD-AUD transfer was 0.2% of the transfer amount (including all fees and exchange rates) over the past month.
In contrast, the cost of the most expensive option was 8.2%.
What is the cost of making an international transfer from Hong Kong to Australia using my bank?

The average total cost (including hidden exchange rate markup) of making a HKD-AUD transfer with banks compared by Monito.com during the past months was 4.3% of the transfer amount. This is 28.5x more expensive than sending money with the cheapest online provider alternative.
For a 10000 HKD transfer, this represents a saving potential of around 414.2 HKD.
Is Western Union a good option for sending money from Hong Kong to Australia?

Western Union is a popular provider, with the biggest agent location network. The average cost of online money transfers from Hong Kong to Australia with Western Union* is 0.4% of the amount you send, whereas the cheapest online services have an average cost of 0.2%.

MoneyGram is the provider that is most often the cheapest for money transfers to a cash pick-up location in Australia.

*Sending money from physical agent locations with Western Union is usually much more expensive than using their online service.
What's the cheapest provider to send money from Hong Kong to a cash pick-up location in Australia?

Over the past 3 months, the provider that was most often the cheapest for cash pick-up transfers in Australia was MoneyGram, with an average cost of 1.0% of the amount you send (includes fees + exchange rate margin).

The average total cost to send to a bank account rather than to a pick-up location during the same period was 0.2%. Instarem was the provider most often the cheapest for transfers to bank accounts in Australia.
What is the fastest option to send money from Hong Kong to Australia

The provider that was most often the fastest provider in comparisons of the past 30 days was Wise (average fastest transfer time: In minutes)

About Money Transfers from Hong Kong to Australia

Monito compares 14 providers offering international money transfer services from Hong Kong to Australia. The total cost of the cheapest available option at any given point in the past month was 0.2% of the transferred amount. In comparison, the total cost of the most expensive provider was on average 8.2%.

💸 Number of providers	14
🏆 Cheapest provider (on average)	Instarem
💰 Lowest total cost (on average)	0.2%
💰 Highest total cost (on average)	8.2%
💸 Most transferred amount	10000 HKD
⚡ ️Fastest transfer time	In minutes
💳 Pay-in options	Bank transfer, Debit card, Credit card, International bank transfer
💵 Pay-out options	Cash pickup, Bank account, Bank account (via international transfer), Card
👍 Recommended providers	MoneyGram, Instarem, Currencies Direct, Skrill, Moneycorp, CurrencyFair, OFX, Wise, SingX, Currency Solutions

Best Rated Providers to Send Money from Hong Kong to Australia

9.2

Go to SingX

9.0

9.0

8.6

8.5

8.5

8.3

8.3

8.0

7.8

See Monito's In-Depth Money Transfer Guides

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July 16, 2026 - by François Briod

illustration of time to transfer money abroad

Fastest Ways To Send Abroad

August 4, 2026 - by François Briod

Transfer Specialists vs Banks

November 22, 2022 - by Byron Mühlberg

Best Money Transfer Services

November 4, 2026 - by François Briod

Everyone wins, except expensive solutions

With our model, the only losers are the expensive banks or providers you’ll stop using!

To ensure our independence, we always use transparent, objective and verifiable criteria in our comparison. No provider can buy their way to the top of our results.

We include as many providers as possible in our comparison and have partnerships with almost all major and innovative providers.

We make sure you never pay more than if you went directly to the provider of your choice. We even negotiate special offers for you with many of our partners.

You save money on your transfer by selecting the cheapest provider.
The best providers earn new customers without expensive marketing, helping keep their costs (and prices) low.
Monito receives a referral fee from the provider you selected. This enables us to offer our service to you for free.

Questions you may have

How can I use Monito to find the best option to send money to Australia?

Before each international money transfer, you should come and compare the costs of the different options on Monito, as they may have changed. The cheapest option is at the top, of our results but you may want to consider other criteria such as the speed of transaction or the pay-in or pay-out methods.
I simply use my bank to send money to Australia, do I really need to compare other options?

Of course! Banks are usually not the best way to make international money transfers. The fees can be quite low (and sometimes even zero), but beware of the poor exchange rates which banks often apply. We list as many banks as possible in our results, so do compare to find out if you’d be better off switching to another bank or a specialized money transfer company.
Can I trust a company I found on Monito but never heard about before?

Yes. We only list money transfer operators or banks that are fully authorized and monitored by the regulation authorities of the countries where they operate.
Is it possible to send money with Monito, or are you just a service to compare money transfer services?

Monito is not a money transfer company. We’re here to help you find the best way to send money to Australia.

Mid-market exchange rate

To calculate the total cost of your transfer, we compare the exchange rate every provider applies to your transactions with the latest mid-market exchange rate data that we source from XE.

Why You Can Trust Us

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, Monito co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services worldwide.

Today, Monito’s award-winning comparisons, reviews, and guides (no longer just about money transfers but also digital accounts, travel cards, eSIMs, and travel insurance) are trusted by millions each year. Our recommendations are backed by our comparison data and dozens of expert tests, allowing you to confidently make the savviest decisions.

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Find the best ways to send money to Australia from Hong Kong

Top Providers For transfers from Hong Kong to Australia

Best for Transfers to a Bank Account

Best for Transfers to Cash Pickup

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Compare 14 providers for a 10,000 HKD transfer from Hong Kong to Australia

Monito's Recommendations for Sending Money from Hong Kong to Australia

Best Ways to Send Money from Hong Kong to Australia

Frequently Asked Questions

About Money Transfers from Hong Kong to Australia

Best Rated Providers to Send Money from Hong Kong to Australia

See Monito's In-Depth Money Transfer Guides

Everyone wins, except expensive solutions

Questions you may have

Mid-market exchange rate

Why You Can Trust Us