A cheaper, faster way to send money from Hong Kong

Stop losing out to hidden fees when you send money abroad with banks or PayPal.

There are usually two costs associated with sending money abroad: the fee, and the exchange rate. To be precise, there’s the upfront fee providers charge you for their service, and the markup many of them add to the rate that’s used to convert your money.

Banks and other providers can make it hard to understand exactly what you’re paying for. They might say they have low, or even no fees, but they won’t tell you whether they’re using the real, mid-market exchange rate.

Since many providers mark up the exchange rate without telling you, you’re liable to pay more than you need to for an international transfer.

We do it differently

At Wise, we always want you to know exactly what you’re paying for. That’s why we put our rate and fee right upfront.

But we also don’t want you to pay any more than you really need to, so we’ve built a comparison tool for you. It makes it easy to compare the cost of your transfer with different providers. If there’s a cheaper option out there, the tool will just tell you.

Rates displayed as of 2 September 2020. Check our comparison tool for the latest rates.

Send money instantly to the UK, EU, and US

If you’re sending money to the UK, EU, or US, and you pay for your transfer with an instant pay-in method — like a debit or credit card — we’ll get the money to your recipient instantly.

If you’re sending money to other countries, we always tell you how long it will take to reach them. Fifty percent of all our transfers arrive within one hour, and you can track the status of any transfer in your account.

Shop online and save

Besides sending money to your loved ones, you can also send money to pay for your online shopping purchases abroad — and save on exchange rates and transaction fees.

Now available in Traditional Chinese

Wise’s mission is money without borders — instant, convenient, transparent, and eventually free. Our goal is to open up Wise to every person. That’s why we’ve also launched our service in Traditional Chinese.

Here’s how you can start using Wise in Traditional Chinese.

On laptop:

• Log in to your account
• Click on your profile name and select Settings
• Update your language settings to 繁體中文（香港）

On phone, if your language setting is 繁體中文（香港）, the app will automatically be translated to Traditional Chinese.