Send money with ACH

Send money with ACH 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 (8h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
660.34 HKD

Volume discount

-41.74 HKD

Total included fees (0.25%)
618.60 HKD

Should arrive by Tuesday

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 with ACH

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 (8h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
660.34 HKD

Volume discount

-41.74 HKD

Total included fees (0.25%)
618.60 HKD

Should arrive by Tuesday

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

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 HKD with	Recipient gets(Total after fees)
	127.04 USD
Transfer fee 14.55 HKD Exchange rate(1 HKD USD) 0.128911 Exchange rate markup -0.01 HKD Cost of transfer 14.54 HKD

	120.18 USD- 6.86 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128533 Exchange rate markup 2.92 HKD Cost of transfer 67.92 HKD

	120.05 USD- 6.99 USD
Transfer fee 65 HKD Exchange rate(1 HKD USD) 0.128400 Exchange rate markup 3.96 HKD Cost of transfer 68.96 HKD

	118.89 USD- 8.15 USD
Transfer fee 38.99 HKD Exchange rate(1 HKD USD) 0.123716 Exchange rate markup 40.29 HKD Cost of transfer 79.28 HKD

	99.07 USD- 27.97 USD
Transfer fee 230 HKD Exchange rate(1 HKD USD) 0.128666 Exchange rate markup 1.89 HKD Cost of transfer 231.89 HKD

Show more providers

How to send money with ACH in 3 easy steps

Enter amount to send in HKD

Pay in HKD with ACH.

Choose recipient

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

Send HKD with ACH, receive USD

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

Create free account now

What is ACH money transfer?

Making an ACH money transfer is often one of the cheapest ways to make a Wise international payment. You may need to also pay an ACH transfer fee to your bank - but while banks all set their own fees for outgoing ACH transfers, these are usually low, or even free.

You can make a Wise ACH money transfer of up to 50,000 USD in 24 hours. There’s also a limit of 250,000 USD every 60 days if you have a personal account, or 400,000 USD if you have a Wise Business account.

When you set up a Wise money transfer and pay by ACH, the exchange rate is guaranteed as soon as you authorize payment to Wise. That means there are no surprises if the rates change while your ACH is winging its way to Wise - you’ll know exactly how much your transfer will cost you, and what rate you’re getting, straight away.

Learn more about using ACH transfers.

Online money transfer fees

How much does it cost to send money with ACH?

To send money with ACH 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

How long does a money transfer with ACH take?

A money transfer with ACH (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

Wise works nearly everywhere

Send money

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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.

Every transaction for me has been easy, smooth, no issues and quick. For the last several years I mostly have been using my account as a savings…

Troy & Seth

Very nice work Good

Customer

Easy to use excellent rates and service

Elaine Martin

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