According to RemitRoutes data, sending HKD to Europe (EUR) currently costs as little as 0.03% via crypto/stablecoin rails versus 0.27% via the cheapest traditional provider — crypto saves 0.24 percentage points. 11 providers tracked, updated every 6 hours.
| Provider | Type | All-in cost |
|---|---|---|
| Kraken | Crypto | 0.03% |
| Western Union | Traditional | 0.27% |
| Instarem | Traditional | 0.69% |
| Wise | Traditional | 0.81% |
| Hang Seng | Traditional | 5.08% |
| HSBC HK | Traditional | 5.63% |
| OFX | Traditional | 6.08% |
| PayPal | Traditional | 6.73% |
| China Construction Bank HK | Traditional | 7.02% |
| OCBC Wing Hang Bank | Traditional | 7.80% |
| Bank of East Asia | Traditional | 15.14% |
Updated October 10, 2026 · refreshed every 6 hours. All-in cost = transfer fee + FX markup on a $1,000-equivalent transfer, measured live. All corridors · methodology.