Send Money from Hong Kong to India

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Indian rupees rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union and Instarem can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are UPI, bank deposit and card payout. The most widely used options in India are IMPS and NEFT bank deposit. India's IMPS rail settles instantly around the clock, so bank deposits often land within minutes rather than days. Not every provider supports every method, so check the table above before you commit.

No. Western Union offer cash pickup in India, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, IMPS and NEFT bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For HKD to INR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Hong Kong under the Customs and Excise Department, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly HK$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly does not operate from Hong Kong. Its Hong Kong market root returns a 404, as does every Hong Kong corridor address tested. If you already use that service, you will need an alternative from the comparison table above for this corridor.

Wise's credit card row costs 484.62 HKD against 57.18 HKD from a balance on 10,000 HKD — about eight and a half times as much, and roughly five percent of the money. The card rows on Hong Kong pages are the most expensive on this site relative to the cheapest method, and this is the worst of them. Wise's debit card figure is not quoted here. Two independent reads of the page on the same day returned 476.45 HKD and 416.16 HKD. Both are very high, but a figure that moves by sixty dollars between two reads minutes apart is not published on this site. Western Union is the only service here paying out to a UPI ID. For a recipient who is paid mainly through UPI that is a different product from a bank deposit, not a cheaper version of one — compare on where the money actually lands. Remitly does not serve Hong Kong outbound. Its Hong Kong market root and every Hong Kong corridor address tested return a 404, so the comparison here is three services rather than the four this site carries in most markets. Wise quotes its Hong Kong tables at 10,000 HKD, not the 1,000 of the local unit it uses on most markets. That is a sixth distinct basis on this site, so a Hong Kong dollar figure cannot be read against a euro or pound figure elsewhere here without converting first.