Best Way to Send Money to Japan from Hong Kong (HKD to JPY)

Sending money from Hong Kong to Japan: what today's data shows

RemitFinder compares 11 providers and 29 ways to send money from Hong Kong to Japan. The mid-market rate is JPY 20.1902 per HKD. 7 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Japan from Hong Kong?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 11 providers offering 29 ways to send Hong Kong Dollar (HKD) to Japanese Yen (JPY).

🔀 Ways to receive:

Bank Account is the most widely offered way to receive, with 10 providers, followed by Cash Pickup (1) and Mobile Wallet (1).

💱 How to get the best HKD to JPY exchange rate?

The mid-market Hong Kong Dollar to Japanese Yen rate today is JPY 20.1902 per HKD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, HKD 1,000 is JPY 20,190.20, and each 1% of markup costs about JPY 201.90.

• 📊 Rates run from JPY 19.8262 to JPY 20.2258 per HKD across all amounts. The top three rates are from Panda Remit (JPY 20.2258 for transfers of HKD 100 to HKD 30,000), Wise (JPY 20.1958 for transfers of HKD 17.79 to HKD 1,000,000) and Cambridge Currencies (JPY 20.17 for transfers from HKD 25,001).
• 📏 Typical markup: 0.18%. The median provider's best rate is 0.18% below the mid-market rate.
• ✅ 2 providers offer a rate above the mid-market rate on some amounts: Panda Remit and Wise.
• 📈 Bigger transfers get better rates with 3 providers.
  • Cambridge Currencies gives JPY 20.17 per HKD for transfers from HKD 25,001, compared with JPY 20.1397 for transfers up to HKD 5,000.
  • Currency Solutions gives JPY 20.1195 per HKD for transfers from HKD 1,000,001, compared with JPY 20.059 for transfers up to HKD 500,000.
  • TorFX gives JPY 20.1539 per HKD for transfers from HKD 200,001, compared with JPY 19.9075 for transfers up to HKD 2,000.

How your recipient gets the money changes the rate. The median provider's best rate is 0.18% above the mid-market rate for money received in a Mobile Wallet, 0.14% below it in a Bank Account and 0.90% below it as Cash Pickup.

💸 What is the cheapest way to send money to Japan from Hong Kong?

It depends on the amount: fees and exchange rates change with how much you send, so the cards above rank every way to send at the amount you enter.

• 🆓 7 providers charge no fee on some ways to send or some amounts: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, TorFX and XE Money Transfer.

🏦 How to send money from Hong Kong to Japan through a bank?

10 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 10 providers.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Airwallex publishes delivery in about 2 hours.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Japan.

⚡ How to send money from Hong Kong to Japan fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

By the times providers publish, money can arrive in about 2 hours in a Bank Account or in a Mobile Wallet and instantly as Cash Pickup.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Japan from Hong Kong?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 💱 Panda Remit, Wise and Cambridge Currencies offer the highest exchange rates, from JPY 20.17 to JPY 20.2258 per HKD.
• 🔀 Panda Remit offers the most ways to send (14), followed by Wise (5) and MoneyGram (2).
• 💵 MoneyGram offers Cash Pickup in Japan.
• 🆓 7 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 2 providers have RemitFinder deals for this corridor.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex HKD to JPY exchange rate today

• 💱 Airwallex's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.0918 per HKD, 0.49% below the mid-market rate.
• 💸 Airwallex charges no fee.
• 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.

Cambridge Currencies HKD to JPY exchange rate today

• 💱 Cambridge Currencies' Hong Kong Dollar to Japanese Yen exchange rate runs from JPY 20.1397 to JPY 20.17 per HKD. Its best rate applies to transfers from HKD 25,001 and is 0.10% below the mid-market rate.
• 💸 Cambridge Currencies charges no fee.
• 🏦 With Cambridge Currencies, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Cambridge Currencies, money arrives in a Bank Account typically in 2–4 days.

Currency Solutions HKD to JPY exchange rate today

• 💱 Currency Solutions' Hong Kong Dollar to Japanese Yen exchange rate runs from JPY 20.059 to JPY 20.1195 per HKD. Its best rate applies to transfers from HKD 1,000,001 and is 0.35% below the mid-market rate.
• 💸 Currency Solutions charges no fee.
• 🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Currency Solutions, money arrives in a Bank Account in about 1 day.
• 📏 Currency Solutions accepts transfers from HKD 150,001 per transfer.

Key Currency HKD to JPY exchange rate today

• 💱 Key Currency's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.17 per HKD, 0.10% below the mid-market rate.
• 💸 Key Currency charges no fee.
• 🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
• 📏 Key Currency accepts transfers from HKD 52,837.50 per transfer.

MoneyGram HKD to JPY exchange rate today

• 💱 MoneyGram's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.0094 per HKD, 0.90% below the mid-market rate.
• 💸 MoneyGram charges HKD 8.
• 🏦 With MoneyGram, you pay by Credit Card or by Debit Card, and your recipient gets the money as Cash Pickup.
• ⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
• 📏 MoneyGram accepts up to HKD 49,970 per transfer.

OFX HKD to JPY exchange rate today

• 💱 OFX's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.0681 per HKD, 0.60% below the mid-market rate.
• 💸 OFX's fee is not published for HKD to JPY transfers, so amounts here include an estimated fee.
• 🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
• 🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Panda Remit HKD to JPY exchange rate today

• 💱 Panda Remit's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.2258 per HKD, 0.18% above the mid-market rate.
• 💸 Panda Remit charges HKD 30.
• 🏦 With Panda Remit, you pay from a Bank Account, by Debit Card, by FPS, by Octopus, by Tap & Go, with Alipay or with WeChat Pay, and your recipient gets the money in a Bank Account or in a Mobile Wallet.
• ⏱️ With Panda Remit, money arrives in a Bank Account in about 2 hours and in a Mobile Wallet in about 2 hours.
• 📏 Panda Remit accepts HKD 100 to HKD 30,000 per transfer.
• 🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Regency FX HKD to JPY exchange rate today

• 💱 Regency FX's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.17 per HKD, 0.10% below the mid-market rate.
• 💸 Regency FX charges no fee.
• 🏦 With Regency FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Regency FX, money arrives in a Bank Account typically in 2–4 days.

TorFX HKD to JPY exchange rate today

• 💱 TorFX's Hong Kong Dollar to Japanese Yen exchange rate runs from JPY 19.9075 to JPY 20.1539 per HKD. Its best rate applies to transfers of HKD 200,001 to HKD 999,999,999 and is 0.18% below the mid-market rate.
• 💸 TorFX charges no fee.
• 🏦 With TorFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With TorFX, money arrives in a Bank Account typically in 2–4 days.
• 📏 TorFX accepts up to HKD 999,999,999 per transfer.

Wise HKD to JPY exchange rate today

• 💱 Wise's Hong Kong Dollar to Japanese Yen exchange rate is JPY 20.1958 per HKD, 0.03% above the mid-market rate.
• 💸 Wise charges 0.47% + HKD 17.66 when you pay from a Bank Account or by FPS, 4.75% + HKD 16.91 when you pay by Credit Card or with Apple Pay and 4.63% + HKD 16.93 when you pay by Debit Card.
• 🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card, with Apple Pay or by FPS, and your recipient gets the money in a Bank Account.
• ⏱️ With Wise, money arrives in a Bank Account in about 9 hours.
• 📏 Wise accepts HKD 17.79 to HKD 1,000,000 per transfer.

XE Money Transfer HKD to JPY exchange rate today

• 💱 XE Money Transfer's Hong Kong Dollar to Japanese Yen exchange rate runs from JPY 19.8262 to JPY 19.8265 per HKD. Its best rate applies to transfers up to HKD 500 and is 1.80% below the mid-market rate.
• 💸 XE Money Transfer charges HKD 30 (no fee from HKD 10,000).
• 🏦 With XE Money Transfer, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from Hong Kong to Japan

1. Compare providers. RemitFinder lists 11 providers and 29 ways to send; the cards above rank them for your amount.
2. Choose how to pay. You can pay from a Bank Account, by FPS, by Credit Card, by Debit Card, with Apple Pay, by Octopus, by Tap & Go, with Alipay or with WeChat Pay.
3. Choose how your recipient gets the money. Bank Account (10 providers), Cash Pickup (1 provider) or Mobile Wallet (1 provider).
4. Check the limits. Published maximums start at HKD 30,000 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Japan.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Japan from Hong Kong

These FAQs use data from RemitFinder's live comparison of 11 providers for Hong Kong to Japan money transfers.

• How do I send money from Hong Kong to Japan?

  Compare 11 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Japan from Hong Kong?

  It depends on how you pay, how your recipient wants the money and how much you send.

• What is the cheapest way to send money to Japan?

  7 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• What is the HKD to JPY exchange rate today?

  The mid-market rate is JPY 20.1902 per HKD. Providers' rates run from JPY 19.8262 to JPY 20.2258.

• Can I get a better rate than the mid-market HKD to JPY rate?

  Yes. Panda Remit and Wise offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• How can I send cash to Japan from Hong Kong?

  MoneyGram offers Cash Pickup in Japan. By published times, Cash Pickup can be ready instantly with MoneyGram.

• What is the fastest way to send money to Japan?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from Hong Kong to Japan instantly?

  Yes. MoneyGram publishes delivery within an hour on some ways to send.

• How much money can I send to Japan from Hong Kong?

  Each provider sets its own limits. The lowest published maximum is HKD 30,000, and 7 of 11 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Japan without fees?

  Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, TorFX and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from Hong Kong to Japan?

  RemitFinder compares 11 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, MoneyGram, OFX, Panda Remit, Regency FX, TorFX, Wise and XE Money Transfer.

• Which app is best to send money to Japan?

  It depends on your amount and how you pay. RemitFinder compares 11 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Japan?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send.