International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
- You could save up to 197.29 HKD
International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
- You could save up to 197.29 HKD
See how much it costs to send money abroad
The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.
 Hang Seng |  Wise |  HSBC HK |  Bank of East Asia | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 1,814.72 CNY | 1,795.33 CNY | 1,751.04 CNY | 1,614.77 CNY |
Exchange rate (1 HKDCNY) | 0.907359 | 0.915224 | 0.907276 | 0.912297 |
Exchange rate markup | 17.19 HKD | 0 HKD | 17.37 HKD | 6.40 HKD |
Transfer fee | 0 HKD | 38.37 HKD | 70 HKD | 230 HKD |
Total transfer cost | 17.19 HKD | 38.37 HKD | 87.37 HKD | 236.40 HKD |
We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.
How to send money internationally from Malaysia
Enter amount to send in HKD.
Pay in HKD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send HKD, receive CNY.
The recipient gets money in CNY directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team
How we keep your money safe
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
- Your money, not oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Best ways to send money internationally with WISE
The best way to send Hong Kong dollar to Chinese yuan is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
How to receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Mobile money
Mobile money
To make a mobile phone number money transfer all you’ll need is the recipient’s mobile phone number to get your money moving. Learn more about Mobile money transfers.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money abroad from Malaysia
The cheapest way to send 2,000 HKD to CNY is by using money that's in your Wise account and costs 35.28 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
HKD
CNY
| Sending 2,000 HKD | Transfer cost | ||
|---|---|---|---|
| Wise account | 35.28 HKD | ||
| Bank transfer | 38.37 HKD | ||
| Debit card | 117.57 HKD | ||
| Credit card | 122.14 HKD | ||
| Apple Pay | 124.87 HKD | ||
| Google Pay | 124.87 HKD | ||
Fastest way to send money abroad from Malaysia
Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
HKD
CNY
| Sending 2,000 HKD | Should arrive | ||
|---|---|---|---|
| Wise account | in 6 hours | ||
| Bank transfer | in 6 hours | ||
| Debit card | in 6 hours | ||
| Credit card | in 6 hours | ||
| Apple Pay | in 6 hours | ||
| Google Pay | in 6 hours | ||
Send money from Malaysia with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money from Malaysia with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Do more with Wise in Malaysia
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
