Who can I send Euro (EUR) to?

You can send Euro (EUR) to any SEPA country . You can also send Euro (EUR) to countries outside of the SEPA zone , but this might cost more.

What information do I need about my recipient?

You’ll need to know their full name and bank account number. In Europe, this is a code called an IBAN, and is between 14 and 34 digits long. Use our IBAN checker to make sure the IBAN you have is in the right format.

How much can I send to Estonia?

You can send up to 6 million Euro (EUR) per transfer. Please keep in mind, if you want to send more than 1.2 million Euro (EUR), you’ll need to transfer it from your Wise account. This means: You’ll need to open a balance for the currency you want to convert from, and the currency to convert to Euro (EUR). You’ll need to add money to your source currency balance. You can instantly convert the money to Euro (EUR) once it’s in your Wise account. Once the conversion is done, you can simply withdraw your money from your Wise account.

How long does a money transfer to Estonia take?

Once Wise receives and converts your money, it usually takes 1–2 working days to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Send money to Estonia

Save on your online money transfer to Estonia from Hong Kong. Transfer Hong Kong dollar to Euro quickly, safely and join over 12.8 million people using Wise.

Send money from Estonia to Hong Kong instead.

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)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
580.90 HKD

Volume discount

-41.94 HKD

Total included fees (0.22%)
538.96 HKD

Should arrive by Wednesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Send money to Estonia

Save on your online money transfer to Estonia from Hong Kong. Transfer Hong Kong dollar to Euro quickly, safely and join over 12.8 million people using Wise.

Send money from Estonia to Hong Kong instead.

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)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
580.90 HKD

Volume discount

-41.94 HKD

Total included fees (0.22%)
538.96 HKD

Should arrive by Wednesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Compare fees for when you send money to Estonia

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.

Get started

Sending 1,000 HKD with	Recipient gets(Total after fees)
	112.17 EUR
Transfer fee 9.44 HKD Exchange rate(1 HKD EUR) 0.113236 Exchange rate markup 0 HKD Cost of transfer 9.44 HKD

	105.12 EUR- 7.05 EUR
Transfer fee 65 HKD Exchange rate(1 HKD EUR) 0.112428 Exchange rate markup 7.14 HKD Cost of transfer 72.14 HKD

	105.05 EUR- 7.12 EUR
Transfer fee 65 HKD Exchange rate(1 HKD EUR) 0.112351 Exchange rate markup 7.81 HKD Cost of transfer 72.81 HKD

	104.03 EUR- 8.14 EUR
Transfer fee 38.99 HKD Exchange rate(1 HKD EUR) 0.108252 Exchange rate markup 44.02 HKD Cost of transfer 83.01 HKD

Show more providers

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

Amount

From

	Wise	Hang Seng	HSBC HK	PayPal
Recipient gets (Total after fees)	112.17 EUR	105.12 EUR	105.05 EUR	104.03 EUR
Exchange rate markup	0 HKD	7.14 HKD	7.81 HKD	44.02 HKD
Exchange rate (1 HKDEUR)	0.113236	0.112428	0.112351	0.108252
Transfer fee	9.44 HKD	65 HKD	65 HKD	38.99 HKD
Total transfer cost	9.44 HKD	72.14 HKD	72.81 HKD	83.01 HKD

Show more providers

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

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Estonia from Hong Kong

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to Estonia to any bank account in Estonia. Your recipient doesn't need Wise to receive money.
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 from Hong Kong dollar to Euro.Check out the fees — and see exactly how much you’ll get on the other side.
If you're sending EUR outside of SEPA, it may cost more.

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 to Estonia from Hong Kong

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to Estonia to any bank account in Estonia. Your recipient doesn't need Wise to receive money.
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 from Hong Kong dollar to Euro.Check out the fees — and see exactly how much you’ll get on the other side.
If you're sending EUR outside of SEPA, it may cost more.

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 to Estonia from Hong Kong

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to Estonia to any bank account in Estonia. Your recipient doesn't need Wise to receive money.
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 from Hong Kong dollar to Euro.Check out the fees — and see exactly how much you’ll get on the other side.
If you're sending EUR outside of SEPA, it may cost more.

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

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

Secure money transfers to Estonia

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.

Best ways to send money to Estonia with WISE

The best way to send Hong Kong dollar to Euro is from a Wise balance. 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 Transfer
Bank Transfer
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.

Cheapest way to send money to Estonia from Hong Kong

The cheapest way to send 250,000 HKD to Estonia is from a Wise balance and costs 536.06 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

EUR

Sending 250,000 HKD	Transfer cost
Wise balance	536.06 HKD

Bank transfer	538.96 HKD

Fastest way to send money to Estonia from Hong Kong

Sending money with Wise is super fast: 60% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

HKD

EUR

Sending 250,000 HKD	Should arrive
Wise balance	by Wednesday

Bank transfer	by Wednesday