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

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Top Providers For transfers from Hong Kong to China

Based on 66 comparisons made by Monito users in the past 3 months.

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Best of 7 providers. Compare all

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Compare 6 providers for a 40,000 HKD transfer from Hong Kong to China

Results updated 2 days ago.

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

Transfer to a bank account

Compare 6 providers

Sorted by amount received

  • Best deal

    Same day

    Recipient gets

    Fee 232.00 HKD

    Exchange rate 0.9328

    0.13% worse than mid‑market rate

    37,096 CNY

    In minutes

    Recipient gets

    Fee 1,032.00 HKD

    Exchange rate 0.9328

    0.13% worse than mid‑market rate

    36,349 CNY

  • OCBC Wing Hang
    Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

    3 to 5 days

    Recipient gets

    Fee 271.42 HKD

    Exchange rate 0.9312

    0.3% worse than mid‑market rate

    36,994 CNY


  • Hang Seng Bank
    Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

    3 to 5 days

    Recipient gets

    Fee 221.42 HKD

    Exchange rate 0.9287

    0.57% worse than mid‑market rate

    36,941 CNY


  • Bank of East Asia
    Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

    3 to 5 days

    Recipient gets

    Fee 256.42 HKD

    Exchange rate 0.9292

    0.51% worse than mid‑market rate

    36,931 CNY


  • HSBC Hong Kong
    Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

    1 to 3 days

    Recipient gets

    Fee 206.42 HKD

    Exchange rate 0.9278

    0.66% worse than mid‑market rate

    36,922 CNY


  • Wise
    Over 120,000 five-star reviews on Trustpilot

    In minutes

    Recipient gets

    Fee 473.66 HKD

    Exchange rate 0.9338

    0.02% worse than mid‑market rate

    36,909 CNY

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 China instead?

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

Affiliate 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 China:

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Best Ways to Send Money from Hong Kong to China

Frequently Asked Questions

About Money Transfers from Hong Kong to China

Monito compares 7 providers offering international money transfer services from Hong Kong to China. The total cost of the cheapest available option at any given point in the past month was 0.6% of the transferred amount. In comparison, the total cost of the most expensive provider was on average 8.0%.

💸 Number of providers


🏆 Cheapest provider (on average)
💰 Lowest total cost (on average)


💰 Highest total cost (on average)


💸 Most transferred amount

40000 HKD

⚡ ️Fastest transfer time

In minutes

💳 Pay-in options

Bank transfer, Debit card, Credit card

💵 Pay-out options

Bank account, Bank account (via international transfer)

👍 Recommended providers

Instarem, Wise, SingX

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

Why Trust Monito?

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

Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Learn more about Monito
  • Monito is Trusted by 15+ Millions Users across the globe.

  • Monito's experts spend hours researching and testing services

  • Affiliate commissions we may receive never impact our independence

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.

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Affiliate Disclosure
Instead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.