HKD to EUR

Hong Kong Dollar to Euro: rate, costs and context

The page you are reading brings together the rate for Hong Kong Dollar (HKD) and Euro (EUR) and sets it next to the prices that banks, money apps and exchanges actually ask. At the latest update on October 31, 2026, 1 HKD buys 0.114125 EUR, and one EUR equals 8.7623 HKD.

The rate shown above is the mid-market rate. It is the midpoint between the buying and selling prices on the wholesale market. Think of it as the cleanest reference you can get: no fee or margin is built in, which is exactly why you rarely get it as a private customer.

What ends up on the EUR side is shaped by two separate costs: the gap between the provider’s rate and the mid-market rate and the visible transfer or service fee. Further down we take those costs apart, put them side by side and list practical steps to get closer to the mid-market rate when you swap Hong Kong Dollar for Euro.

Sample calculation for 10,000.00 HKD

Consider an amount of 10,000.00 HKD. Converted at the pure mid-market rate (0.114125), that sum sets the ceiling for what any provider could deliver in EUR. In practice nobody hands over that full amount, as costs are deducted somewhere in the process.

Looking at all 9 providers we track, Wise delivered the most, with 1,135.71 EUR after all costs. Whatever is missing compared with the mid-market amount is the real price of the transfer.

Note that rankings shift with the amount you send. A flat fee hurts most when the amount is small, whereas a percentage margin grows along with the amount. Try your actual amount in the calculator above to see the ranking that applies to you.

How HKD to EUR transfers travel

A traditional bank sends your payment through SWIFT. Your transfer may hop between several banks before it arrives, each of which can deduct a charge. Delivery usually takes one to several working days, with the full cost not always known upfront.

Specialised transfer services often work differently. They keep money in accounts in both regions, so no money physically crosses the border: you pay in locally and the recipient is paid out locally. That is often faster and cheaper, and the amount that arrives is known in advance.

How fast a transfer really is depends on more than the provider: your payment method, cut-off times and public holidays on either side. The very first payment may be slower as the provider completes its checks. Finish verification in advance if the money has to arrive on a set date.

Why we compare total cost

Every calculation begins with the mid-market rate of 0.114125. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. We do this for 9 providers, placed side by side.

We update the rates every 30 minutes, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, and it can differ slightly from our calculation, especially when markets are busy.

GoldexPay is independent. Some links on this page are affiliate links. That never changes the ranking: the provider that delivers the most EUR comes first, whether or not we have a link to it.

Sending a larger amount from HKD to EUR

Check the provider’s licence first. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Regulation includes rules on keeping your money apart from the company’s own.

Check names and account details twice. Once money has left, getting it back is difficult. Unexpected changes to payment details are a classic warning sign. Verify through a channel you trust.

Larger transfers often come with additional questions. Providers may ask for proof of where the money comes from, like a statement or a sales contract. Some providers lower their margin on request for larger customers. Some also let you lock in a rate for a short period.

How HKD/EUR moved over the past year

Compared with a year ago, the price of HKD in EUR shows a change of +2.48%. During that year the highest level was 0.114467 EUR per HKD, and the bottom of the range was 0.107051. The current 0.114125 can be measured against those two levels.

That range between high and low puts the movement into real terms. On a large conversion, the moment you choose can make a noticeable difference to what arrives, even when the fee stays the same.

Rates are pushed around by central bank policy, economic data and shifts in risk appetite. These figures describe the past and say nothing about what comes next. If you want to act on a certain rate, use an alert or limit order rather than a hunch.

Practical ways to save on HKD/EUR

Look at the final amount, not just the fee. A low headline fee proves nothing because the margin can make up the difference. The number that matters is the EUR amount after every cost, and that already includes both the markup and the fee.

When you pay by card abroad, you can get a choice between your own currency and the local one. The trade name for this is dynamic currency conversion. The rate used is usually poor. Choose the local currency so your bank or card issuer handles the exchange.

Watch the timing as well. Some providers widen their margin at weekends, when currency markets are closed. When there is no deadline, you can set a target rate and let the provider convert only when it is reached. It saves you from checking the rate every day, though the target may never be reached.

Finally, look at how you pay. Card payments often cost more than a bank transfer, while a plain bank transfer is normally the low-cost option. Sending less often but in larger amounts reduces what you pay in flat fees.

What banks and apps really charge for HKD to EUR

The majority of services do not convert at the mid-market rate itself. Instead they offer a rate that is a little less favourable and keep the difference. This is known as the markup. With a 2% markup, for instance, about 2 out of every 100 HKD never reach the recipient.

On top of the margin, most banks ask for a separate fee. It may be a fixed amount per transfer, a percentage of the amount or both at once. On classic bank transfers abroad extra deductions can follow, which shrinks the amount that finally arrives.

Look twice at services that advertise free transfers. The cost often sits in the rate instead. What really counts is the final EUR figure for an identical HKD amount, and the comparison table on this page is ranked on exactly that.

Where Hong Kong Dollar and Euro are used

Hong Kong Dollar is used in Hong Kong SAR China. Euro is what people pay with in Germany, France, Netherlands, Spain, Italy. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

There are plenty of everyday reasons to convert HKD to EUR: moving abroad, studying, doing business or sending a gift. Each situation asks for something different: a one-off large payment benefits most from a sharp rate, whereas frequent smaller payments are more sensitive to fixed fees.

Each country has its own payment habits. Some recipients expect a bank account number with a local bank code, others an IBAN, and in some places payout to a mobile wallet is the norm. Ask the recipient for the exact details in advance.