Planning to transfer money from Hong Kong to the USA in 2025? Whether it’s for family, business, investments, or simply moving funds between your own accounts, there are now faster, cheaper, and more flexible options than ever before. 

In fact, Hong Kong’s outward remittance market is projected to hit US$1.13 billion in 2025 and grow to US$1.45 billion by 2030, a clear sign that more people and businesses are sending money overseas.

In this article, we’ve rounded up the 7 best ways to send money from Hong Kong to the USA, complete with pros, cons, fees, and everything you need to know to pick the right one.

Let’s get started!

Key Takeaways:

• Wise offers fast, low-fee transfers with real mid-market exchange rates.
• XE and OFX are great for larger transfers with competitive rates and no fixed fees.
• PayPal is easy and instant, but it comes with higher fees and poorer exchange rates.
• Western Union is ideal for quick cash pickups, but can be expensive.
• Traditional bank transfers are secure but slower and more costly compared to online services.
• Compare fees, rates, and speed based on your and the recipient’s needs.

A Quick Overview

As of June 1, 2025, here’s a quick snapshot of how much you’d receive when you transfer money from Hong Kong to the USA using different services, based on converting 10,000 HKD to USD.

Note: Rates and fees are based on a HKD 10,000 transfer calculated in June 2025. The exchange rates and fees may vary depending on the provider, transfer method, and time of transaction.

7 Best Ways to Transfer Money from Hong Kong to the USA

Here are the top 7 options to transfer money from Hong Kong to the USA in 2025, with key details to help you choose the best fit.

1. Wise

Wise (formerly TransferWise) is a global money transfer service offering fast, low-cost, and transparent international payments using the real mid-market exchange rate, the same one you see on Google. It’s ideal to transfer money from Hong Kong to the USA, with transfers often arriving in seconds.

You can send your money directly to US bank accounts or Wise balances using bank transfers, cards, Apple Pay, or Google Pay. The Wise app also lets you track exchange rates and manage transfers easily.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,270.54 USD

Transfer Fees:

• Fee: 37.89 HKD (0.38%) via bank transfer
• Lower fees on large transfers (as low as 0.1%)
• No hidden costs or rate markups

Pros:

• Transparent fees
• Mid-market exchange rate (no hidden markup)
• Fast transfers (often same or next day)
• Multi-currency accounts available

Cons:

• Customer support quality may be inconsistent.
• Not the cheapest for huge transfers

2. XE Money Transfer

XE is a trusted name in currency exchange and also offers international money transfers from Hong Kong to the USA. You can transfer money from Hong Kong to the USA through XE’s online platform or mobile app, available 24/7.

Known for its global reach and solid reliability, XE supports transfers to over 200 countries in more than 100 currencies.

XE offers competitive rates, especially for larger transfers, and you get full transparency before confirming your transaction. It’s a good option if you want convenience, security, and experience all in one place.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,275.21 USD

Transfer Fees:

• Debit Card
  • 2% fee for transfers up to $250
  • Drops to 0.4% for $2,000–$3,000
• Credit Card
  • 2.99% flat fee
• Bank/Wire Transfer: Usually no XE fee

Pros:

• No transfer fees
• Strong customer support
• Suitable for both individuals and businesses

Cons:

• Markup on the exchange rate
• May not be the fastest

3. OFX

OFX is an Australian-based international money transfer service trusted by over 1 million customers worldwide. It offers competitive, bank-beating exchange rates to transfer money from Hong Kong to the USA, with transfers often providing better value than traditional banks.

You can send money to most US banks, including Bank of America, Citigroup, and JPMorgan, using OFX’s easy online platform or mobile app.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,265.17 USD

Transfer Fees:

• Typically included in competitive exchange rates (no fixed upfront fees)

Pros:

• No transfer fees
• Better exchange rates for higher amounts
• 24/7 support

Cons:

• Minimum transfer amount required
• Slower than Wise in some cases

4. CurrencyFair

CurrencyFair is a peer-to-peer international money transfer service. It offers competitive, bank-beating exchange rates to transfer money from Hong Kong to the USA, often saving you more compared to standard banks.

You can send money securely to most US banks through CurrencyFair’s easy-to-use online platform or mobile app. Transfers are fast, with many completed the same day, enabled by their network of local bank accounts in multiple countries.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,268.70 USD

Transfer Fees:

• Fee: 4 USD (flat fee, approx. 0.32%) included in the rate
• Low markup: Only 0.53% above mid-market exchange rate
• No hidden fees or rate markups, and better rates than typical banks

Pros:

• Very competitive rates if matched
• Transparent pricing
• Option to choose the rate

Cons:

• Transfers may take longer
• Not ideal for urgent payments

5. PayPal

PayPal needs little introduction. Known worldwide for digital payments, PayPal also allows international transfers from Hong Kong to US accounts.

You can fund transfers using your PayPal balance, bank account, or linked card, and send directly to another person’s PayPal account in the US. The receiver can then withdraw the funds to their US bank account.

It’s a familiar platform with a broad global reach and is ideal if both sender and receiver already use PayPal regularly.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,275.91 USD

Transfer Fees:

• Personal transfer fee: 5% (capped at 99 USD)
• Card payment fee: 2.9% + fixed fee (if applicable)
• Currency conversion spread: 2.5%–3%

Pros:

• Easy to use
• Instantly if both parties have PayPal accounts
• Popular with freelancers and small businesses

Cons:

• High fees
• Exchange rates include a large markup

6. Western Union

Western Union is one of the most established and widely used money transfer services globally. It offers flexible ways to transfer money from Hong Kong to the USA, online, through its mobile app, or in-person at agent locations.

With options to deliver funds as a cash pickup, direct bank deposit, or to a mobile wallet, it suits a range of preferences. New users enjoy a 0 HKD fee for their first online bank transfer, and delivery can be as fast as minutes.

For quick, cash-based transfers or peace of mind with tracking, Western Union remains a dependable choice.

Live Transfer Estimate: Send 10,000 HKD → Receive 1,275.30 USD

Transfer Fees:

• Transfer fee: 0 HKD (first transfer offer, bank transfer only)
• Delivery time: Minutes to 1 business day, depending on the payout method

Pros:

• Send cash instantly
• Worldwide presence
• Physical and digital options

Cons:

• Expensive
• Exchange rates are not great

7. Bank Transfers 

Traditional bank transfers remain a popular and trusted method to transfer money from Hong Kong to the USA. Most banks in Hong Kong, such as HSBC and Bank of China, offer SWIFT transfers to US bank accounts. These transfers are typically secure and reliable, making them a common choice for business or high-value transactions.

However, they often come with higher fees and less competitive exchange rates compared to online services. If you already have banking services in both Hong Kong and the US, this method can be convenient and straightforward. Delivery times usually range from 1 to 5 business days, depending on bank processing and the SWIFT network.

Live Transfer Estimate: Send 10,000 HKD → Receive amount varies depending on exchange rate and fees

Transfer Fees:

• Transfer fee: 50–240 HKD + possible extra fees depending on the bank
• Exchange rate: Bank-set rates with markup
• Additional fees may apply via intermediary or recipient banks

Pros:

• Familiar and secure
• Suitable for very large transfers
• In-person support available

Cons:

• Slow (up to 5 business days)
• Expensive fees and poor exchange rates

Things to Consider When Sending Money from Hong Kong to the USA

Before You Transfer Money from Hong Kong to the USA, keep these points in mind:

• Exchange Rates: Look for providers offering the real mid-market rate to get the best value.
• Transfer Fees: Watch out for all charges, including hidden fees and exchange rate markups.
• Transfer Speed: Need the money fast, or is a 2–3 day wait okay? Some services offer instant transfers.
• Transfer Limits: Be aware of the minimum and maximum amounts allowed per transfer.
• Payment & Delivery Methods: Choose the method that suits you best: bank transfers, debit or credit cards, digital wallets or cash pickups.
• Security & Reliability: Always use trusted platforms when you transfer money from Hong Kong to the USA to ensure peace of mind.
• Recipient’s Access: Think about how the recipient prefers to receive funds, either through a bank account, a wallet, or a pickup point.
• Customer Support: Good support can save the day if anything goes wrong. Make sure it’s available when you need it.

Why Use DSGPay for USD Payouts from Hong Kong to the USA?

If you regularly transfer money from Hong Kong to the USA or deal with multiple currencies like USD and HKD, DSGPay offers one of the most seamless and cost-effective solutions available.

DSGPay is built for international businesses, entrepreneurs, and professionals who need speed, flexibility, and control over their international payments.

With DSGPay, you can:

• Choose Local & Global Payout Options: Send funds via low-cost local transfers (ACH/FEDWIRE) or global rails (SWIFT, CHATS, FPS).
• Use Named Virtual Account Support for Global Transfers: Boost trust and compliance with named virtual accounts for SWIFT payouts.
• No US Bank Account Needed: Send money directly to US beneficiaries without setting up a bank account.
• Transfer USD Seamlessly: Manage the entire payout process from Hong Kong to the US within DSGPay’s platform.
• Save on FX Without Hidden Fees: Access competitive exchange rates with clear and transparent pricing.

Ready to simplify your USD payouts from Hong Kong? Here’s how you can start sending money with DSGPay in just a few steps.

Conclusion

Whether you’re supporting loved ones, paying international suppliers, or managing business expenses, there are reliable options for every need.

Wise remains a popular choice for individuals thanks to its real exchange rates and transparent fees. OFX and XE are ideal for large transfers, while Western Union works well for urgent cash pickups. 

For a powerful all-in-one solution, DSGPay stands out. It offers advanced USD management tools, competitive rates, and is perfect not only for large businesses but also for SMEs and individuals sending money abroad.

Compare your options, review the fees, and pick the service that fits your goals. Sending money from Hong Kong to the USA in 2025 is all about finding the smartest and most reliable method for your situation.