Best Way to Send Money to Luxembourg from Hong Kong (HKD to EUR)

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

RemitFinder compares 14 providers and 30 ways to send money from Hong Kong to Luxembourg. The mid-market rate is EUR 0.1137 per HKD. 8 providers have no-fee options. The fastest published delivery is instant.

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

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 14 providers offering 30 ways to send Hong Kong Dollar (HKD) to Euro (EUR).

🔀 Ways to receive:

Bank Account is the most widely offered way to receive, with 14 providers, followed by Cash Pickup (1) and SEPA (1).

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

The mid-market Hong Kong Dollar to Euro rate today is EUR 0.1137 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 EUR 113.70, and each 1% of markup costs about EUR 1.14.

• 📊 Rates run from EUR 0.108 to EUR 0.1136 per HKD across all amounts. The top three rates are from Panda Remit (EUR 0.1136 for transfers of HKD 100 to HKD 30,000), Cambridge Currencies (EUR 0.1136 for transfers from HKD 25,001) and Key Currency (EUR 0.1136 for transfers from HKD 52,617).
• 📏 Typical markup: 0.35%. The median provider's best rate is 0.35% below the mid-market rate.
• 📈 Bigger transfers get better rates with 3 providers.
  • Cambridge Currencies gives EUR 0.1136 per HKD for transfers from HKD 25,001, compared with EUR 0.1134 for transfers up to HKD 5,000.
  • Currency Solutions gives EUR 0.1133 per HKD for transfers from HKD 1,000,001, compared with EUR 0.113 for transfers up to HKD 500,000.
  • TorFX gives EUR 0.1135 per HKD for transfers from HKD 200,001, compared with EUR 0.1121 for transfers up to HKD 2,000.

How your recipient gets the money changes the rate. The median provider's best rate is 0.35% below the mid-market rate for money received in a Bank Account, 0.35% below it by SEPA and 0.79% below it as Cash Pickup.

💸 What is the cheapest way to send money to Luxembourg 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.

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

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

12 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 14 providers or by SEPA with 1 provider.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Wise publishes instant delivery.
• 🧾 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 Luxembourg.

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

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup) and Wise (Bank Account).

By the times providers publish, money can arrive instantly in a Bank Account or as Cash Pickup and within 2 days by SEPA.

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 Luxembourg 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, Cambridge Currencies and Key Currency offer the highest exchange rates, from EUR 0.1136 to EUR 0.1136 per HKD.
• 🔀 Panda Remit offers the most ways to send (7), followed by Wise (5) and Instarem (4).
• 💵 MoneyGram offers Cash Pickup in Luxembourg.
• 🆓 8 providers have no-fee options.
• ⚡ MoneyGram and Wise publish the fastest delivery: instant.
• 🎁 3 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 EUR exchange rate today

• 💱 Airwallex's Hong Kong Dollar to Euro exchange rate is EUR 0.1127 per HKD, 0.88% 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 EUR exchange rate today

• 💱 Cambridge Currencies' Hong Kong Dollar to Euro exchange rate runs from EUR 0.1134 to EUR 0.1136 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 EUR exchange rate today

• 💱 Currency Solutions' Hong Kong Dollar to Euro exchange rate runs from EUR 0.113 to EUR 0.1133 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.

CurrencyFair HKD to EUR exchange rate today

• 💱 CurrencyFair's Hong Kong Dollar to Euro exchange rate is EUR 0.1125 per HKD, 1.06% below the mid-market rate.
• 💸 CurrencyFair's fee is not published for HKD to EUR transfers, so amounts here include an estimated fee.
• 🏦 With CurrencyFair, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With CurrencyFair, money arrives in a Bank Account typically in 2–4 days.
• 📏 CurrencyFair accepts HKD 100 to HKD 99,000,000 per transfer.
• 🎁 RemitFinder exclusive for CurrencyFair: First 3 transfers free for RemitFinder users.

Instarem HKD to EUR exchange rate today

• 💱 Instarem's Hong Kong Dollar to Euro exchange rate is EUR 0.1133 per HKD, 0.35% below the mid-market rate.
• 💸 Instarem charges 0.59% when you pay from a Bank Account and 2.59% when you pay by Debit Card.
• 🏦 With Instarem, you pay from a Bank Account or by Debit Card, and your recipient gets the money in a Bank Account or by SEPA.
• ⏱️ With Instarem, money arrives in a Bank Account within 2 days and by SEPA within 2 days.

Key Currency HKD to EUR exchange rate today

• 💱 Key Currency's Hong Kong Dollar to Euro exchange rate is EUR 0.1136 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 52,617 per transfer.

MoneyGram HKD to EUR exchange rate today

• 💱 MoneyGram's Hong Kong Dollar to Euro exchange rate is EUR 0.1128 per HKD, 0.79% 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 in a Bank Account or as Cash Pickup.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes and as Cash Pickup instantly.

OFX HKD to EUR exchange rate today

• 💱 OFX's Hong Kong Dollar to Euro exchange rate is EUR 0.1126 per HKD, 0.97% below the mid-market rate.
• 💸 OFX's fee is not published for HKD to EUR 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 EUR exchange rate today

• 💱 Panda Remit's Hong Kong Dollar to Euro exchange rate is EUR 0.1136 per HKD, 0.09% below the mid-market rate.
• 💸 Panda Remit charges HKD 20.
• 🏦 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.
• ⏱️ With Panda Remit, money arrives in a Bank Account in about 15 minutes.
• 📏 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 EUR exchange rate today

• 💱 Regency FX's Hong Kong Dollar to Euro exchange rate is EUR 0.1136 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.

Skrill Money Transfer HKD to EUR exchange rate today

• 💱 Skrill Money Transfer's Hong Kong Dollar to Euro exchange rate is EUR 0.108 per HKD, 5.01% below the mid-market rate.
• 💸 Skrill Money Transfer charges no fee.
• 🏦 With Skrill Money Transfer, you pay by Debit Card, and your recipient gets the money in a Bank Account.
• ⏱️ With Skrill Money Transfer, money arrives in a Bank Account within 1 day.
• 📏 Skrill Money Transfer accepts HKD 17.56 to HKD 87,784 per transfer.

TorFX HKD to EUR exchange rate today

• 💱 TorFX's Hong Kong Dollar to Euro exchange rate runs from EUR 0.1121 to EUR 0.1135 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 EUR exchange rate today

• 💱 Wise's Hong Kong Dollar to Euro exchange rate is EUR 0.1133 per HKD, 0.35% below the mid-market rate.
• 💸 Wise charges 0.4% + HKD 7.13 when you pay from a Bank Account or by FPS, 4.69% + HKD 6.83 when you pay by Credit Card or with Apple Pay and 4.57% + HKD 6.84 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 instantly.
• 📏 Wise accepts HKD 7.25 to HKD 1,000,000 per transfer.

XE Money Transfer HKD to EUR exchange rate today

• 💱 XE Money Transfer's Hong Kong Dollar to Euro exchange rate is EUR 0.1118 per HKD, 1.67% 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 Luxembourg

1. Compare providers. RemitFinder lists 14 providers and 30 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 (14 providers), Cash Pickup (1 provider) or SEPA (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 Luxembourg.
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 Luxembourg from Hong Kong

These FAQs use data from RemitFinder's live comparison of 14 providers for Hong Kong to Luxembourg money transfers.

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

  Compare 14 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 Luxembourg 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 Luxembourg?

  8 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 EUR exchange rate today?

  The mid-market rate is EUR 0.1137 per HKD. Providers' rates run from EUR 0.108 to EUR 0.1136.

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

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

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

  By their published times, MoneyGram and Wise deliver fastest, instantly.

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

  Yes. Three providers publish delivery within an hour on some ways to send.

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

  Each provider sets its own limits. The lowest published maximum is HKD 30,000, and 9 of 14 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Luxembourg without fees?

  Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, Skrill Money Transfer, 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 Luxembourg?

  RemitFinder compares 14 providers: Airwallex, Cambridge Currencies, Currency Solutions, CurrencyFair, Instarem, Key Currency, MoneyGram, OFX, Panda Remit, Regency FX, Skrill Money Transfer, TorFX, Wise and XE Money Transfer.

• Which app is best to send money to Luxembourg?

  It depends on your amount and how you pay. RemitFinder compares 14 providers and ranks every way to send for the amount you enter.

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

  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.