Best Way to Send Money from Hong Kong to India
Compare live HKD to INR exchange rates and fees from top providers. Find the cheapest and fastest way to send money from Hong Kong to India.
What is the cheapest way to send money from Hong Kong to India?
The cheapest way to send money from Hong Kong to India is through Wise, XE, or InstaReM, which offer competitive HKD to INR rates with low fees. Traditional bank wire transfers from Hong Kong typically cost HK$100–$200 plus a 2–3% exchange rate markup.
Click "Compare Rates" to see live exchange rates from 15+ providers for HKD to INR transfers.
Tips for Sending Money from Hong Kong to India
- Use FPS (Faster Payment System) for instant, free bank funding from any Hong Kong bank account.
- Wise and InstaReM consistently offer the most competitive HKD-INR rates compared to HSBC and Hang Seng.
- Hong Kong banks (HSBC, Standard Chartered HK) charge HK$100–$200+ per wire transfer — avoid for recurring transfers.
- For large HKD amounts (HK$50,000+), OFX occasionally offers competitive rates worth comparing.
Regulatory Information
HKMA (Hong Kong Monetary Authority) and the Customs and Excise Department regulate money transfers. India has no receiving limit for NRE/NRO accounts under FEMA.
Frequently Asked Questions: Hong Kong to India Transfers
How long does a money transfer from Hong Kong to India take?
Digital services like Wise and XE deliver HKD to INR transfers within 1–2 business days. FPS-funded transfers from Hong Kong bank accounts are typically the fastest option.
What is the current HKD to INR exchange rate?
HKD to INR rates fluctuate daily. Use our live comparison tool for real-time rates from all major providers operating in Hong Kong.
Can I use FPS to fund my transfer to India?
Yes, Wise and other providers accept FPS (Faster Payment System) from Hong Kong bank accounts, providing instant funding at no extra cost.
Rates and provider data updated daily. Page last reviewed: March 2026.
Reviewed by Tarika Chandel