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Send money with a credit card

Send money with a credit card from our website or mobile app, in just a few clicks. Join over 16 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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C&ED regulated

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Over 16 million customers

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You send exactly

42.60 HKD
19.14 HKDOur fee
–
61.74 HKDTotal fees
=
938.26 HKDTotal amount we’ll convert
×
0.1282

Recipient gets

Should arrive by Tuesday

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We charge as little as possible. No subscription

Sending 1,000 HKD with	Recipient gets(Total after fees)
Cheapest	127.18 USD
Transfer fee 8 HKD Exchange rate(1 HKD USD) 0.128202 Exchange rate markup 0.05 HKD Cost of transfer 8.05 HKD

	127.09 USD- 0.09 USD
Transfer fee 5 HKD Exchange rate(1 HKD USD) 0.127724 Exchange rate markup 3.78 HKD Cost of transfer 8.78 HKD

	125.73 USD- 1.45 USD
Transfer fee 19.32 HKD Exchange rate(1 HKD USD) 0.128208 Exchange rate markup 0 HKD Cost of transfer 19.32 HKD

	119.55 USD- 7.63 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.127857 Exchange rate markup 2.74 HKD Cost of transfer 67.74 HKD

	119.40 USD- 7.78 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.127704 Exchange rate markup 3.93 HKD Cost of transfer 68.93 HKD

	118.89 USD- 8.29 USD
Transfer fee 60 HKD Exchange rate(1 HKD USD) 0.126483 Exchange rate markup 13.45 HKD Cost of transfer 73.45 HKD

	118.20 USD- 8.98 USD
Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123000 Exchange rate markup 40.62 HKD Cost of transfer 79.61 HKD

	115.04 USD- 12.14 USD
Transfer fee 100 HKD Exchange rate(1 HKD USD) 0.127820 Exchange rate markup 3.03 HKD Cost of transfer 103.03 HKD

	113.31 USD- 13.87 USD
Transfer fee 115 HKD Exchange rate(1 HKD USD) 0.128035 Exchange rate markup 1.35 HKD Cost of transfer 116.35 HKD

	98.54 USD- 28.64 USD
Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.127971 Exchange rate markup 1.85 HKD Cost of transfer 231.85 HKD

This applies when you pay in via bank transfer. How do we collect this data?

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

Enter amount to send in HKD

Pay in HKD with a credit card.

Choose recipient

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

Send HKD with a credit card, receive USD

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

Create free account now

What is Credit Card money transfer?

Making a credit card transfer is fast, convenient, and means you can spread the cost of your payment over a few months if you’d like to.

You can make a credit card money transfer with Wise using a Visa or Mastercard credit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Unfortunately, you can’t make a Wise credit card money transfer using an American Express credit 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 Wise credit 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 credit cards.

Online money transfer fees

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

To send money with a credit 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.

Calculate how much you can save

How long does a money transfer with a credit card take?

A money transfer with a credit card (HKD-USD) should arrive by Tuesday. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

HKD

USD

Should arrive

by Tuesday

Trust Wise with safe & secure money transfers

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
Read our reviews at Trustpilot.com.

I find the wise card easy to use and the fees are very low

Steven Sammut

Published 2 hours ago

Every time I use Wise, I am pleased with the outcome. It’s easy to use and the receipt of my money is within minutes. Very professional

Laura Johnson