How to Withdraw Money with Wise in Hong Kong: For Travelers from Japan

This article was reviewed on 21 October 2025. Information may have changed since publication. Please verify with the relevant provider.

Planning a trip from Japan to Hong Kong? While the city is increasingly cashless, you'll still need Hong Kong dollars for street food stalls, traditional markets, and small shops. The challenge? Getting cash in Hong Kong often means high ATM fees and poor exchange rates.

One solution is to withdraw money in Hong Kong with your Wise card. It's simple and cost-effective for people travelling from Japan. You can withdraw money from Hong Kong ATMs with two free withdrawals per month for amounts up to 30,000 JPY total. Plus, Wise ATM fees are clearly displayed before each transaction, and you get the mid-market exchange rate with no markup.

This guide explains everything about using your Japan-issued Wise card to withdraw in Hong Kong, from finding compatible ATMs to understanding all fees involved.

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Table of contents
Can I Use My Japan Wise Card in Hong Kong? How to Withdraw Money from ATMs in Hong Kong Using Your Wise Card Wise Card ATM Fees in Hong Kong Benefits of Using Your Wise Card in Hong Kong Conclusion Frequently Asked Questions About Hong Kong ATMs and Wise Cards

Can I Use My Japan Wise Card in Hong Kong?

Yes, your Wise debit card issued in Japan works in Hong Kong. As a Mastercard-branded debit card, it's accepted at locations displaying the Mastercard logo and at compatible ATMs throughout the city.

Wise lets you hold and manage over 40 currencies in a single account. This includes both Japanese yen (JPY) and Hong Kong dollars (HKD). You can convert JPY to HKD at the mid-market exchange rate before your trip, helping you manage your travel spending and ATM withdrawals.

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How to Withdraw Money from ATMs in Hong Kong Using Your Wise Card

Using your Wise Japan card to withdraw money from Hong Kong ATMs is straightforward. Even if you don't have HKD in your Wise account, the system automatically converts from your available balance (such as JPY) at the mid-market exchange rate in real time.

Step-by-Step: Withdrawing Cash from Hong Kong ATMs

Follow these steps to withdraw money easily in Hong Kong:

1. Find an ATM: Look for ATMs displaying the Mastercard logo
2. Insert your Wise card: Select English or 日本語 nihongo (Japanese) from the language menu
3. Choose "Cash Withdrawal": This option may also appear as "Withdrawal"
4. Select card type: Choose "Credit Card" or "International Card"
5. Enter your PIN: Input your 4-digit PIN
6. Enter the amount: Specify how much HKD you want to withdraw
7. Decline conversion: When offered, select "Continue without conversion" (see important note below)
8. Confirm the transaction: Review any Wise ATM fees displayed and proceed
9. Collect your money: Take your cash, card, and receipt

Important: Always choose "Continue without conversion" when prompted. This ensures you get Wise's mid-market exchange rate. Selecting "Continue with conversion" means the ATM operator sets the exchange rate, which typically costs more.

Recommended ATMs in Hong Kong for Wise Card Users

Your Wise Japan card works at most major bank ATMs in Hong Kong that accept Mastercard. Here's where you can withdraw money in Hong Kong:

• HSBC (滙豐銀行): You'll find their ATMs everywhere. At the airport, Central, Tsim Sha Tsui, and pretty much any major area you visit

• Hang Seng Bank (恒生銀行): Part of HSBC, with ATMs in shopping malls and MTR stations across the city

• Bank of China (中國銀行): Great for late-night withdrawals, with plenty of 24-hour ATMs at the airport and tourist spots

• Standard Chartered Bank (渣打銀行): Another reliable option with ATMs throughout Hong Kong

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Wise Card ATM Fees in Hong Kong

Wise card ATM fees are straightforward and transparent. Below are ATM withdrawal fees for Wise cards issued in Japan.

For withdrawals up to 30,000 JPY per month

Condition	Fee
First 2 withdrawals per month	Free
3rd withdrawal onwards	70 JPY per withdrawal

For withdrawals exceeding 30,000 JPY per month

Condition	Fee
Amount over 30,000 JPY	1.75% of the amount exceeding 30,000 JPY
3rd withdrawal onwards	70 JPY + 1.75% fee applies

When converting JPY to HKD, you get the real mid-market exchange rate with a transparent conversion fee.

Comparing Wise to Credit Card Cash Advances¹

Here's how Wise ATM fees compare to the typical credit card fees for overseas cash withdrawals:

	ATM Fee	Exchange Rate	Interest
Wise Debit Card	2 free withdrawals/month up to 30,000 JPY total	Mid-market rate Conversion fee: From 0.73%	None
Credit Card	110 JPY (under 10,000 JPY) 220 JPY (over 10,000 JPY)	Card network rate May include markup	Typically 18.0% APR

Note: Local ATM operator fees may apply in addition to the above.

Understanding the Cost Difference

With Wise: Transparent pricing

When you convert 30,000 JPY in the Wise app, you'll see exactly what you'll pay. For example, a conversion fee of 259 JPY. No surprises.

If you're within the free withdrawal allowance and the ATM doesn't charge a fee, your total cost is just the conversion fee (or zero if you already hold HKD).

With Credit Cards: Multiple fees add up

Credit card cash advances typically involve:

• Foreign transaction fees
• ATM usage fees
• Daily interest from withdrawal date
• Local ATM fees

You won't know the total cost until your statement arrives.

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Benefits of Using Your Wise Card in Hong Kong

Your Wise card offers practical advantages when you withdraw money in Hong Kong:

• Real exchange rates: Get the mid-market rate for all transactions
• 24/7 ATM access: Withdraw cash anytime from Hong Kong's extensive ATM network
• Simple currency management: Convert leftover HKD back to JPY in the app
• Debit card control: Spend only what you have, with no interest charges

With Wise, you can hold around 40 currencies in one account and convert JPY to HKD anytime. When shopping or dining, your card uses the mid-market exchange rate for every transaction.

Hong Kong ATMs typically operate 24/7, giving you access to cash whenever you need it. After your trip, any leftover HKD converts back to JPY through the Wise app in seconds.

Since Wise is a debit card, funds come directly from your account balance. No borrowing, no interest charges, and you can freeze your card instantly in the app if needed.

Open a Wise Account 🚀

Conclusion

While Hong Kong is increasingly cashless, you'll still need cash for certain situations. Your Wise card helps you withdraw money in Hong Kong affordably and conveniently.

With Wise, you get the real mid-market exchange rate for both card payments and ATM withdrawals. Plus, you can withdraw money with Wise in Hong Kong twice per month for amounts up to 30,000 JPY total without incurring Wise ATM fees.

For your Hong Kong trip, consider bringing:

• Your regular credit card for larger purchases
• Your Wise debit card for ATM withdrawals and everyday spending
• A small amount of cash for immediate needs

This combination gives you flexibility and helps you manage your travel budget effectively.

Try out the Wise Card 💳

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Frequently Asked Questions About Hong Kong ATMs and Wise Cards

What is the ATM withdrawal limit for Wise cards?

Wise sets withdrawal limits for security. You can check and adjust your specific limits anytime in the Wise app. We recommend reviewing and adjusting your limits before traveling.

Should I choose "local currency" or "Japanese yen" at Hong Kong ATMs?

Always select "local currency" (Hong Kong dollars). Choosing "Japanese yen" means the ATM sets the exchange rate, which typically costs more. This simple choice helps you save on fees.

Do I need to pre-load Hong Kong dollars in my Wise account?

No, it's not required. If you have JPY balance, Wise automatically converts it when you withdraw money in Hong Kong. However, you can convert in advance if you prefer to lock in the current rate.

What should I do if my Wise card doesn't work at a Hong Kong ATM?

Common issues include incorrect PIN entry, insufficient balance, exceeding withdrawal limits, or ATM problems. Try a different major bank ATM and check the Wise app to ensure your card is active.

Are there annual or maintenance fees for the Wise card?

No annual or maintenance fees apply. You only pay a one-time issuance fee of 1,200 JPY when ordering your Wise Japan card. After that, there are no additional costs to keep it active.

What safety precautions should I take when using ATMs in Hong Kong?

To use Hong Kong ATMs safely:

• Check the ATM: Look for any unusual attachments on the card slot. Cover the keypad when entering your PIN
• Act quickly: Hong Kong ATMs may have short timeouts. Take your card and cash immediately
• If your card is retained: Stay at the ATM, call the number displayed, and freeze your card in the Wise app
• Choose safe locations: Use ATMs inside banks or shopping malls, especially at night
• Have backup options: Carry a credit card and some cash alongside your Wise card

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This article was created based on the Japanese article posted on July 7, 2025, using AI tools: https://payout-surge.live/jp/blog/withdraw-money-with-wise-in-hong-kong. While our staff have proofread and edited this content to ensure accuracy and usefulness, we do not represent or warrant, whether explicitly or implicitly, that this content is accurate, complete, or up-to-date. If you require professional opinions or advice, please consult a financial advisor or other specialists.

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Sources

1. Exchange Rate Comparison | Wise