Calculate the exact arrival time of your Hong Kong domestic or international bank transfer.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it.
Select your preferred payment method from the options available in Hong Kong.
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive.
Understanding the main ways to send money between bank accounts in Hong Kong.
Hong Kong's real-time payment system supporting HKD and RMB transfers 24/7 via mobile number, email, or FPS ID.
Clearing House Automated Transfer System — same-day interbank clearing for HKD, USD, EUR, and RMB.
Real-Time Gross Settlement operated by the HKMA for high-value, time-critical payments.
| Payment Method | Speed | Availability | Max Amount | Cost |
|---|---|---|---|---|
| FPS (Faster Payment System) | Instant (seconds) | 24/7, 365 days | HK$10,000 (default) | Free |
| CHATS | Same day | Business days | No limit | HK$50 – HK$200 |
| RTGS | Real-time (business hours) | Business days, until cutoff | No limit | HK$100 – HK$300 |
Our calculator covers all major banks in Hong Kong.
Sample calculations based on typical bank processing times.
| Transfer | Method | Sent | Arrives | Note |
|---|---|---|---|---|
| HSBC Hong Kong → Hang Seng Bank | FPS (Faster Payment System) | Monday 10:00 | Monday instantly | 24/7 available |
| Bank of China (HK) → Standard Chartered HK | CHATS | Tuesday 14:00 | Tuesday/Wednesday | Business days |
| DBS Hong Kong → Citibank HK | FPS (Faster Payment System) | Saturday 21:00 | Saturday instantly | Weekend available |
Understanding bank transfer times in Hong Kong is essential for financial planning.
Everything you need to know about bank transfers in Hong Kong.
Transfer times in Hong Kong depend on the method used. FPS (Faster Payment System) is typically the fastest, delivering funds in seconds. Standard transfers take 1-2 business days. Use our calculator for estimates specific to your banks.
FPS (Faster Payment System) typically operates 24/7, including weekends and public holidays. Standard bank transfers only process on business days (Monday-Friday, excluding public holidays).
Fees vary by bank and transfer method. FPS (Faster Payment System) is often free or very low cost. Standard transfers may incur small fees. International SWIFT transfers typically cost HK$10-50 equivalent.
International SWIFT transfers from Hong Kong typically take 1-5 business days depending on the destination. SEPA transfers (if available) to European countries arrive within 1 business day.