Best Way to Send Money to Singapore from Hong Kong (HKD to SGD)

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

RemitFinder compares 13 providers and 38 ways to send money from Hong Kong to Singapore. The mid-market rate is SGD 0.1631 per HKD. 7 providers have no-fee options. The fastest published delivery is instant.

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

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 13 providers offering 38 ways to send Hong Kong Dollar (HKD) to Singapore Dollar (SGD).

🔀 Ways to receive:

Bank Account is the most widely offered way to receive, with 13 providers, followed by PayNow (2), Cash Pickup (1) and Mobile Wallet (1).

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

The mid-market Hong Kong Dollar to Singapore Dollar rate today is SGD 0.1631 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 SGD 163.10, and each 1% of markup costs about SGD 1.63.

• 📊 Rates run from SGD 0.1608 to SGD 0.1631 per HKD across all amounts. The top three rates are from Panda Remit (SGD 0.1631 for transfers of HKD 100 to HKD 100,000), Wise (SGD 0.1631 for transfers of HKD 11.90 to HKD 1,000,000) and Instarem (SGD 0.163).
• 📏 Typical markup: 0.18%. The median provider's best rate is 0.18% below the mid-market rate.
• 📈 Bigger transfers get better rates with 3 providers.
  • Cambridge Currencies gives SGD 0.1629 per HKD for transfers from HKD 25,001, compared with SGD 0.1627 for transfers up to HKD 5,000.
  • Currency Solutions gives SGD 0.1625 per HKD for transfers from HKD 1,000,001, compared with SGD 0.162 for transfers up to HKD 500,000.
  • TorFX gives SGD 0.1628 per HKD for transfers from HKD 200,001, compared with SGD 0.1608 for transfers up to HKD 2,000.

How your recipient gets the money changes the rate. The median provider's best rate is at the mid-market rate for money received in a Mobile Wallet, 0.18% below it in a Bank Account, 0.52% below it by PayNow and 0.98% below it as Cash Pickup.

💸 What is the cheapest way to send money to Singapore 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 Singapore through a bank?

12 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 13 providers or by PayNow with 2 providers.

• ⏱️ 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 Singapore.

⚡ How to send money from Hong Kong to Singapore 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, within 30 minutes by PayNow and in about 15 minutes in a Mobile Wallet.

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 Singapore 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 Instarem offer the highest exchange rates, from SGD 0.163 to SGD 0.1631 per HKD.
• 🔀 Panda Remit offers the most ways to send (14), followed by MoneyGram (6) and Wise (5).
• 💵 MoneyGram offers Cash Pickup in Singapore.
• 🆓 7 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 SGD exchange rate today

• 💱 Airwallex's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1623 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 SGD exchange rate today

• 💱 Cambridge Currencies' Hong Kong Dollar to Singapore Dollar exchange rate runs from SGD 0.1627 to SGD 0.1629 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 SGD exchange rate today

• 💱 Currency Solutions' Hong Kong Dollar to Singapore Dollar exchange rate runs from SGD 0.162 to SGD 0.1625 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 SGD exchange rate today

• 💱 CurrencyFair's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1619 per HKD, 0.74% below the mid-market rate.
• 💸 CurrencyFair's fee is not published for HKD to SGD 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 SGD exchange rate today

• 💱 Instarem's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.163 per HKD, 0.06% 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 PayNow.
• ⏱️ With Instarem, money arrives in a Bank Account within 2 days and by PayNow within 2 days.

Key Currency HKD to SGD exchange rate today

• 💱 Key Currency's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1629 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 SGD exchange rate today

• 💱 MoneyGram's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1615 per HKD, 0.98% 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, as Cash Pickup or by PayNow.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes, as Cash Pickup instantly and by PayNow within 30 minutes.
• 📏 MoneyGram accepts up to HKD 80,510 per transfer.

OFX HKD to SGD exchange rate today

• 💱 OFX's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1621 per HKD, 0.61% below the mid-market rate.
• 💸 OFX's fee is not published for HKD to SGD 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 SGD exchange rate today

• 💱 Panda Remit's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1631 per HKD, the same as 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 15 minutes and in a Mobile Wallet in about 15 minutes.
• 📏 Panda Remit accepts HKD 100 to HKD 100,000 per transfer.
• 🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Regency FX HKD to SGD exchange rate today

• 💱 Regency FX's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1629 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 SGD exchange rate today

• 💱 TorFX's Hong Kong Dollar to Singapore Dollar exchange rate runs from SGD 0.1608 to SGD 0.1628 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 SGD exchange rate today

• 💱 Wise's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.1631 per HKD, the same as the mid-market rate.
• 💸 Wise charges 0.41% + HKD 11.79 when you pay from a Bank Account or by FPS, 4.7% + HKD 11.28 when you pay by Credit Card or with Apple Pay and 4.58% + HKD 11.29 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 11.90 to HKD 1,000,000 per transfer.

XE Money Transfer HKD to SGD exchange rate today

• 💱 XE Money Transfer's Hong Kong Dollar to Singapore Dollar exchange rate is SGD 0.161 per HKD, 1.29% 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 Singapore

1. Compare providers. RemitFinder lists 13 providers and 38 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 (13 providers), PayNow (2 providers), Cash Pickup (1 provider) or Mobile Wallet (1 provider), including PayNow.
4. Check the limits. Published maximums start at HKD 80,510 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 Singapore.
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 Singapore from Hong Kong

These FAQs use data from RemitFinder's live comparison of 13 providers for Hong Kong to Singapore money transfers.

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

  Compare 13 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 Singapore 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 Singapore?

  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 SGD exchange rate today?

  The mid-market rate is SGD 0.1631 per HKD. Providers' rates run from SGD 0.1608 to SGD 0.1631.

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

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

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

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

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

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

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

  Each provider sets its own limits. The lowest published maximum is HKD 80,510, and 8 of 13 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Singapore 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 Singapore?

  RemitFinder compares 13 providers: Airwallex, Cambridge Currencies, Currency Solutions, CurrencyFair, Instarem, Key Currency, MoneyGram, OFX, Panda Remit, Regency FX, TorFX, Wise and XE Money Transfer.

• Which app is best to send money to Singapore?

  It depends on your amount and how you pay. RemitFinder compares 13 providers and ranks every way to send for the amount you enter.

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

  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.