chenwansantrade.win
What does this transfer actually cost?
Banks quote a cable fee. PayPal quotes a percentage. Wise quotes a small line. None of those is the whole bill. This calculator stacks the fee, the correspondent nick, and the FX drag so you can see who keeps more of a USD, EUR, or GBP amount headed to Hong Kong.
Recipient gets
Models last reviewed 2026-09-16. Providers change tariffs without notice. This is a ledger, not a booking engine.
How to read the three rails
Wise vs PayPal
PayPal’s conversion markup is usually the silent majority of the cost. Useful when the other side will only click a PayPal link.
HSBC-style SWIFT
Online HKD 50 + cable, SHA correspondent deductions, and a retail FX spread. Fine for a paper trail, expensive as a habit.
HK take-home pay
Salaries tax (progressive vs standard rate) plus mandatory MPF. For 2025/26 and 2026/27.
What this site is for
Freelancers, publishers, and small traders who already have — or are opening — a Hong Kong bank relationship, and who keep getting surprised by the gap between “sent $2,000” and “HSBC shows $1,8xx”.
The numbers are models, last reviewed in September 2026. Paste a live mid-market rate if you have one; the FX lookup uses a public ECB feed when the pair exists. Confirm the tariff in the app or with the branch before you send.
Not an offer to move money, not tax advice, and not affiliated with Wise, PayPal, HSBC, or Google.