This guide explains how to send HKD and foreign currencies locally from your Aspire HKD account. Choose the section below based on the currency you want to send.
Supported Transfer Types, Fees, Limits & Timeframe
Your Aspire HKD account supports three types of local transfers:
HKD transfers within Hong Kong via FPS
HKD transfers within Hong Kong via CHATS
Foreign currency transfers to recipients in their currency's home country
Sending HKD Currency
Send HKD to recipients within Hong Kong using FPS (Faster Payment System) or CHATS.
Currency | Transfer Type | Transfer Limit | Account Identifiers | Timeframe | Fee |
HKD | FPS | 10 million HKD |
| Instant | Free |
HKD | CHATS | 10 million HKD | Bank account number | 2-4 hours | HKD 55 |
Notes:
All transfers are subject to compliance checks by our team or partners, which may occasionally result in delays for your recipient in receiving the funds. Our team might email Admin and Finance users for additional details or documents needed to process your transfer. While we strive to complete these reviews quickly, we can't provide an exact timeline for when your recipient will receive the funds, as weekends, public holidays, and banking hours might also affect the timing. We appreciate your understanding and patience regarding any potential delays.
CHATS transfer: Typically processed within 2–4 hours if submitted before 5:30 PM HKT on a business day.
Sending foreign currencies
You can send various foreign currencies to recipients within their currency's home country (local transfer).
For detailed requirements specific to each currency, visit the relevant currency-specific guide.
Currency Specific Guide
Currency Specific Guide
Currency | Home Country |
United Arab Emirates | |
Argentina | |
Australia | |
Canada | |
Switzerland or Liechtenstein | |
Chile | |
China | |
Costa Rica | |
Denmark | |
Egypt | |
Hungary | |
Indonesia | |
Israel | |
India | |
Japan | |
Kenya | |
South Korea | |
Morocco | |
Mexico | |
Malaysia | |
Nigeria | |
Norway | |
New Zealand | |
The Philippines | |
Pakistan | |
Poland | |
Romania | |
Sweden | |
Singapore | |
Thailand | |
Turkey | |
Uruguay | |
South Africa |
Notes:
All transfers are subject to compliance checks by our team or partners, which may occasionally result in delays for your recipient in receiving the funds. Our team might email Admin and Finance users for additional details or documents needed to process your transfer. While we strive to complete these reviews quickly, we can't provide an exact timeline for when your recipient will receive the funds, as weekends, public holidays, and banking hours might also affect the timing. We appreciate your understanding and patience regarding any potential delays.
Fees for sending foreign currencies are always shown upfront in the Aspire app before you transfer.
How to send HKD currency from the Aspire HKD Account
Admin, Finance with transfer rights, and Finance with submit-only rights users can can initiate HKD transfers.
FPS Transfer
On your Aspire dashboard, click "HKD Account" under "Accounts".
Click "Make a transfer".
Select "Pay a recipient".
Click on "New Recipient".
Select HKD as the currency you wish to send.
Select FPS as the transfer type, and fill the recipient details:
Account holder full name (max 140 characters)
Recipient type: Individual or Company
Account Identifier: Account number, mobile number, email address, or FPS identifier
Select HKD account as the source of funds.
Enter the transfer amount.
Complete the transfer details:
Payment Reference (Optional)
Choose a category (Mandatory)
Link the transaction to a budget (Optional)
Other payment reference fields
Once you have reviewed your payment details and are satisfied with them, click the "Confirm" button.
Notes: Scheduled transfers are not yet available for FPS transfers.
CHATS Transfer
On your Aspire dashboard, click "HKD Account" under "Accounts".
Click "Make a transfer".
Select "Pay a recipient".
Click on "New Recipient".
Select HKD as the currency you wish to send.
Select Bank account as the transfer type, and fill the recipient details:
Account holder full name
Recipient type: Individual or Company
Country: Select Hong Kong
Payment method: Select Local
Account number
Bank name
SWIFT/ BIC
Address
Select HKD account as the source of funds.
Enter the transfer amount.
Complete the transfer details:
Payment Reference (Optional)
Choose a category (Mandatory)
Link the transaction to a budget (Optional)
Other payment reference fields
Once you have reviewed your payment details and are satisfied with them, click the "Confirm" button.
Notes: Scheduled transfers are not yet available for CHATS transfer.
How to send foreign currencies from the Aspire HKD Account
Admin, Finance with transfer rights, and Finance with submit-only rights users can initiate foreign currency transfers.
On your Aspire dashboard, click "Make a transfer" under the Frequently Used Actions.
Select "Pay a recipient".
Click on "New Recipient".
Select the currency you wish to send.
Fill in the recipient’s details (the fields might differ depending on the selected currency):
Account holder's full name
Recipient type: Individual or Company
Country
Payment method: Select local or e-wallet option (if available)
Bank name
Account number
Recipient Address
Postcode
Select HKD account as the source of funds.
Enter the transfer amount.
Complete the transfer details:
Payment Reference (Optional)
Choose a category (Mandatory)
Link the transaction to a budget (Optional)
Other payment reference fields
Once you have reviewed your payment details and are satisfied with them, click the "Confirm" button.
Notes: Scheduled transfers are not yet available for local transfers to other foreign currencies.
What name will be displayed as the sender of the transfer?
HKD transfers via FPS or CHATS: The recipient will see your business name as the sender's name.
Foreign currency transfers: The sender's name shown to your recipient may vary, as it depends on what their bank chooses to display.
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.