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Send money with a debit card

Send money with a debit card from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
Read more
  • 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
Open an account
 Rate guaranteed (11h)
  • Debit card fee
    Up to 43.52 HKD
  • Our fee
    14.44 HKD
Total included fees (5.80%)
57.96 HKD
  • You could save up to 173.68 HKD

Should arrive by Friday

Send money with a debit card

Send money with a debit card from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
Read more
  • 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
Open an account
 Rate guaranteed (11h)
  • Debit card fee
    Up to 43.52 HKD
  • Our fee
    14.44 HKD
Total included fees (5.80%)
57.96 HKD
  • You could save up to 173.68 HKD

Should arrive by Friday

How to send money with a debit card in 3 easy steps

How to send money with a debit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Hong Kong dollar by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

How to send money with a debit card in 3 easy steps

How to send money with a debit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Hong Kong dollar by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

How to send money with a debit card in 3 easy steps

How to send money with a debit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Hong Kong dollar by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

What is Debit Card money transfer?

Making a debit card transfer is easy and convenient, and can come with speedy delivery times, too. You’ll see an estimate of your payment’s arrival time before you confirm your transfer - but paying by card can often be a fast way of getting your money moving.

You can make a debit card money transfer with Wise using a Visa or Mastercard debit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Some Maestro debit cards are also supported - but unfortunately, you can’t make a debit card money transfer using an American Express card.

Your card will need to have a 16 digit number, an expiry date, and be 3D security enabled - this helps us keep you and your money safe.

There are also a small number of other specific situations in which you can’t make a debit card money transfer, depending on where your card was issued, where your Wise account is registered, and the payment you’re sending.

Learn more about using debit cards.

Online money transfer fees

How much does it cost to send money with a debit card?

To send money with a debit card with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad from Hong Kong

The cheapest way to send 1,000 HKD to USD is from a Wise balance and costs 11.45 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

USD

Sending 1,000 HKDTransfer cost
Wise balance11.45 HKD
Bank transfer14.55 HKD
Debit card54.30 HKD
Credit card56.60 HKD
Apple pay57.96 HKD
Google Pay57.96 HKD

See where Wise works

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.

How we keep your money safe
  • Rock-solid technology
    Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
  • People who care, 24/7
    With 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 ours
    Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

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