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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 14.8 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 your international transfer
Open an account
  • Arrives
    by Wednesday
  • Estimated fees
    Included in HKD amount
    • You could save up to 172.58 HKD

    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 14.8 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 your international transfer
    Open an account
  • Arrives
    by Wednesday
  • Estimated fees
    Included in HKD amount
    • You could save up to 172.58 HKD

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

    Start your transfer.

    Enter amount to send in HKD.

    Pay in HKD with your debit card or credit card, or send the money from your online banking.

    Get the best rate out there.

    Choose your recipient.

    Select who you want to send money to and which pay-out method to use.

    Money is locally delivered.

    Send HKD, receive USD.

    The recipient gets money in USD directly from Wise’s local bank account.

    Create free account 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

    The cheapest way to send 1,000 HKD to USD is by using money that's in your Wise account and costs 13.13 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 account13.13 HKD
    Bank transfer16.22 HKD
    Debit card55.90 HKD
    Credit card58.19 HKD
    Apple Pay59.55 HKD
    Google Pay59.55 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.

    4.3 / 5 on Trustpilot from 280,303 reviews

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