Revolut in Hong Kong 🇭🇰: Is it available? What are alternatives in 2025?
Hong Kong residents can not hold a Revolut account, but existing Revolut account holders in eligible countries can hold a HKD balance and spend with a Revolut card in Hong Kong.
If you’re a Hong Kong resident you might want to check out some alternatives to Revolut which could suit you, depending on the types of transactions you make often.
Join us as we explore some great alternatives to Revolut in Hong Kong including alternative services like Wise, and digital banks in Hong Kong like ZA Bank and Airstar.
Quick summary: Alternatives to Revolut in Hong Kong
| Provider | 💡 Great for |
|---|---|
| Wise | Hong Kong residents who want to send payments, and people outside Hong Kong looking to hold a balance in HKD, send payments in HKD and hold HKD, USD and 40+ other currencies |
| PayPal | Hong Kong residents who want to spend and send money online in HKD using a linked card or bank account |
| Airstar Bank | Hong Kong residents and Mainland China residents visiting Hong Kong, who want services from a locally registered digital bank |
| ZA Bank | Hong Kong residents and Mainland China residents visiting Hong Kong, who prefer online and mobile banking and want a full suite of financial services from one provider |
About Revolut
Revolut has millions of customers, in many countries and regions globally – although you can’t currently open an account from Hong Kong.
Eligible customers in countries like the US can hold and manage 25+ currencies, make local and overseas payments, save and spend with linked cards.
Revolut multi-currency accounts are usually offered on different tiers to suit a range of customers, with features and fees that can be tailored to your spending needs.
Is Revolut available in Hong Kong?
- Hong Kong residents can not hold a Revolut account
- Account holders in other eligible countries can hold an HKD balance
- Account holders in other eligible countries can spend with their Revolut card in Hong Kong
- Account holders in other eligible countries can send payments to and from HKD
| Revolut can be great for: | Revolut may not be for you if: |
|---|---|
| ✅ Customers in eligible countries who want to hold and send HKD payments ✅ Visitors to Hong Kong looking for card payments and withdrawals ✅ People who prefer to choose an account from several different plan types ✅ Businesses sending money to Hong Kong | ❌ You live in Hong Kong ❌ You need a full suite of banking services including credit and loans |
Can I open a Revolut account in Hong Kong
No. You can not open a Revolut account in Hong Kong.
Hong Kong residents can not hold a Revolut account, so if you have a Revolut account from elsewhere and move your residential address to Hong Kong, you will have to close your account.
Revolut supported countries
You can open a Revolut account if you reside in one of these countries:
Australia, Brazil, European Economic Area (EEA), Japan, New Zealand, Singapore, Switzerland, United Kingdom, United States.
The European Economic Area (EEA) countries include: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden.
Revolut alternatives for Hong Kong residents: Quick comparison
Hong Kong residents can not hold a Revolut account, but existing Revolut account holders in eligible countries can hold a HKD balance and spend with a Revolut card in Hong Kong.
If this doesn’t meet your needs – or if you’re just shopping around to see what alternatives are out there – we’ve got a few Revolut alternatives for Hong Kong residents for you to consider:
| Alternatives | Features for Hong Kong | Supported currencies | Account fees | Exchange rates | Limits |
|---|---|---|---|---|---|
| Revolut | Hong Kong residents can not hold an account Account holders in eligible countries can hold a HKD balance and spend with Revolut card in Hong Kong | 25+ currencies for holding and exchange, including USD and HKD | Variable fees depending on your country of residence Accounts with no monthly fees usually available | Revolut rates to plan limits, with fair usage fees after that Out of hours conversion fees may apply | Variable transfer and card spend limits based on account and transaction type |
Wise | Hong Kong residents can open a Wise Account, and send payments internationally. Account holders in other eligible countries can hold a HKD balance, send HKD payments, and spend with Wise Multi-Currency Card in Hong Kong | 40+ currencies for holding and exchange, including USD and HKD | Accounts have no monthly fees Variable transfer and conversion fees depending on your country of residence | Mid-market rate | Variable transfer and card spend limits based on transaction type |
| PayPal
| Hong Kong residents can open an account, hold a HKD balance, send payments and spend online | 25+ currencies for holding and exchange, including USD and HKD | Accounts have no monthly fees Variable transfer fees based on funding method and destination | PayPal rate + 3% conversion fee in Hong Kong Other countries may have different fees | Check in the PayPal app for the limits that apply based on your account type |
| Airstar Bank
| Hong Kong residents and Hong Kong visitors from Mainland China can open an account, get a card and access full banking services | HKD, CNY and USD | Accounts have no monthly fees Some transaction fees may apply | Network rate or Airstar rate depending on the transaction type | Limits may depend on the type of account and transaction in question |
| ZA Bank
| Hong Kong residents and Hong Kong visitors from Mainland China can open an account, get a card and access full banking services | HKD, CNY and USD | Accounts have no monthly fees Some transaction fees may apply | Network rate + 1.95% for card spending For transfers, variable fees depending on currency | Limits may depend on the type of account and transaction in question |
*Details correct at time of research – 4th June 2025
We’ve selected a few different alternatives to Revolut for Hong Kong, depending on what matters most for you. If you’re a resident of Hong Kong you can’t open a Revolut account, although people with a Revolut account in another eligible country will still be able to use their Revolut account in Hong Kong if they’re there for a visit.
If you’re looking for an account you can open from Hong Kong, you may prefer one of these alternatives:
Wise: Great Revolut alternative in Hong Kong if you want the mid-market rate for conversion when you send payments, and for customers outside of Hong Kong who want to spend or send HKD
PayPal: Great Revolut alternative in Hong Kong for online shopping and sending payments to other PayPal account holders locally and internationally
Airstar Bank: Great Revolut alternative in Hong Kong if you want services from a locally registered digital bank
ZA Bank: Great Revolut alternative in Hong Kong if you prefer online and mobile banking and want a full suite of financial services from one provider
Wise
| ⭐ Hong Kong residents can open a Wise Account ⭐ Hong Kong residents can send payments in HKD, Hong Kong business customers can hold a balance ⭐ Account holders in other eligible countries can hold a HKD balance, send HKD payments and spend with Wise Multi-Currency Card in Hong Kong |
Hong Kong residents can open a Wise Account, to send payments in select currencies with mid-market exchange rates and low fees. Accounts have no ongoing fees to pay.
Wise Account holders in other eligible countries can hold an HKD balance, send HKD payments and spend with Wise Multi-Currency Card in Hong Kong.
The Wise Multi-Currency Card is not yet available to residents of Hong Kong.
| Wise can be great for: | Wise may not be for you if: |
|---|---|
| ✅ Hong Kong residents looking for a way to send payments ✅ Customers who would like to hold and exchange HKD in their account, alongside other curencies like USD, EUR or GBP. ✅ Customers in other countries who travel to Hong Kong and want to spend and withdraw with a Wise Multi-Currency Card ✅ Anyone looking for mid-market rate currency exchange | ❌ You want full banking services like loans and credit ❌ You’re a Hong Kong resident and need a full multi currency account and linked debit card services |
Wise supported countries
You can open a Wise account if you reside in one of these countries:
Andorra, Australia, Austria, Bahrain, Belgium, Bouvet Island, Brazil, Bulgaria, Canada, Cayman Islands, Chile, China, Colombia, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, French Guiana, Georgia, Germany, Gibraltar, Greece, Guadeloupe, Guam, Guernsey, Hong Kong*, Hungary, Iceland, India, Ireland, Israel, Isle of Man, Italy, Japan, Jersey, Kuwait, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Martinique, Mayotte, Monaco, Netherlands, New Zealand, North Macedonia, Norway, Philippines, Poland, Portugal, Qatar, Réunion, Romania, Saint Barthélemy, Saint Martin, Saint Pierre and Miquelon, Saudi Arabia, Singapore, Sint Maarten, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Kingdom, United States.
*Only business customers can hold a balance in HK.
| More information – How to open a Wise Account ⭐ |
Wise pricing and limits
| Wise pricing & limits | |
|---|---|
| Wise Account | Hong Kong residents can send payments with Wise In other countries you can open a Wise multi currency account with 40+ supported currencies including USD and HKD |
| Wise Multi-Currency Card | Not available to Hong Kong residents Available for residents in many other countries for spending and withdrawals internationally, including in Hong Kong |
| Wise limits | Often no holding limit, transfer limits are set high – usually in the region of 1 million GBP or the equivalent |
| Wise fees | No ongoing fees, low, variable conversion fees based on currency |
| Wise exchange rate | Mid-market exchange rate You can find live Wise exchange rates here. |
*Details correct at time of research, 4th June 2025
PayPal
| ⭐ Hong Kong residents can open an account and hold a HKD balance ⭐ Hong Kong residents can send payments locally and overseas, to other PayPal accounts ⭐ Hong Kong residents can spend online securely and conveniently |
Hong Kong residents can open a PayPal account and hold a HKD balance, or you can link a card to send payments locally and overseas, to other PayPal accounts. Hong Kong residents can also spend online securely and conveniently and hold a balance in other currencies.
In total PayPal has 25+ currencies for holding and exchange, including USD. PayPal accounts have no monthly fees, with no fee to spend online if no currency conversion is needed.
For payments, variable transfer fees apply based on funding method and destination.
| PayPal can be great for: | PayPal may not be for you if: |
|---|---|
| ✅ Secure online shopping ✅ Sending local payments to PayPal funded with a linked card or bank ✅ Receiving family and friends payments ✅ Card spend in Hong Kong if you have a PayPal card from an eligible country | ❌ You shop or spend overseas – 3% currency conversion fees apply ❌ You need to send money for deposit to bank accounts |
PayPal supported countries
You can open a PayPal account in many countries. You can find the full list of countries here.
PayPal pricing and limits
| PayPal pricing & limits | |
|---|---|
| PayPal account | Multi-currency account supporting 25+ currencies including HKD and USD |
| PayPal card | Not available to Hong Kong residents PayPal cards are available in various countries and regions globally, and can be used in Hong Kong for spending |
| PayPal limits | Check in the PayPal app for the limits that apply based on your account type |
| PayPal fees | No monthly fees, No fee to spend online if no currency conversion is needed. For payments, variable transfer fees apply based on funding method and destination |
| PayPal exchange rate | PayPal rate + 3% conversion fee |
*Details correct at time of research, 4th June 2025
Airstar Bank
| ⭐ Hong Kong residents and visitors from Mainland China can open accounts to hold HKD, USD and CNY ⭐ Customers can take HKD loans subject to approval ⭐ Customers can access card and foreign transfer services |
Airstar Bank is a Hong Kong licensed digital bank which offers accounts to Hong Kong residents and visitors from Mainland China who must be physically present in Hong Kong to open their account. Once you have an account you can hold and exchange HKD, USD and CNY, access card and foreign transfer services and take HKD loans subject to approval. There are also saving account options and business services for eligible customers.
| Airstar Bank can be great for: | Airstar Bank may not be for you if: |
|---|---|
| ✅ Hong Kong residents and visitors from Mainland China who need account and card services ✅ Eligible customers looking for a loan ✅ Business and corporate customers in Hong Kong ✅ Peoplpe looking to save in time deposit accounts | ❌You’re not a Hong Kong resident or visitor from Mainland China ❌ You would like to access a broader range of currencies for holding and exchange |
Airstar Bank supported countries
You can open an Airstar Bank account if you reside in Hong Kong, or if you’re a visitor physically present in Hong Kong, with a Mainland China ID.
Airstar Bank pricing and limits
| Airstar Bank pricing & limits | |
|---|---|
| Airstar Bank account | Day to day accounts hold HKD, USD and CNY |
| Airstar Bank card | Card services are available to eligible customers, for use in Hong Kong and internationally |
| Airstar Bank limits | Limits can vary depending on the account type and transaction |
| Airstar Bank fees | Accounts have no ongoing fees, but transaction fees are likely to apply depending on how you use your account |
| Airstar Bank exchange rate | For exchange within your account you get the Airstar Bank rate, card spending may incur a foreign transaction fee |
*Details correct at time of research, 4th June 2025
ZA Bank
| ⭐ Hong Kong residents and visitors from Mainland China can open accounts ⭐ Customers can get investment, insurance and loan products ⭐ Account holders can exchange HKD, USD and CNY, and send remittances easily |
ZA Bank is a Hong Kong licensed digital bank which serves personal and business customers who have either a Hong Kong ID card, or a Mainland China ID. You must be physically present to open your account if you’re only visiting Hong Kong. Accounts support 3 major currencies and have linked payment cards which can be used globally – fees apply for overseas card spending. As a full bank, you can also get investment, insurance and loan products if you are eligible.
| ZA Bank can be great for: | ZA Bank may not be for you if: |
|---|---|
| ✅ Hong Kong residents and visitors from Mainland China who want to bank in HKD ✅ Customers looking for card services ✅ Foreign exchange in HKD, USD and CNY ✅ Access to investment, insurance and loan products | ❌You are not physically in Hong Kong ❌ You do not have a Hong Kong ID card or a Mainland China ID |
ZA Bank supported countries
You can open a ZA Bank account if you reside in Hong Kong, or if you’re a visitor physically present in Hong Kong, with a Mainland China ID.
ZA Bank pricing and limits
| ZA Bank pricing & limits | |
|---|---|
| ZA Bank account | Day to day accounts hold HKD, USD and CNY |
| ZA Bank card | Card services are available to eligible customers, for use in Hong Kong and internationally |
| ZA Bank limits | Limits can vary depending on the account type and transaction |
| ZA Bank fees | Accounts have no ongoing fees, but transaction fees are likely to apply depending on how you use your account |
| ZA Bank exchange rate | For exchange within your account you get the ZA Bank rate, which includes a fee of at least 2% – card spending has a foreign transaction fee of 1.95% |
*Details correct at time of research, 4th June 2025
Can I transfer money from Hong Kong with Revolut?
If you live in Hong Kong you can not open a Revolut account. If you live outside of Hong Kong and are eligible to open a Revolut account you can send money in HKD. Here’s a summary of your options with Revolut and the other providers we’re looking at today.
| Provider | Money transfers from Hong Kong |
|---|---|
| Revolut | Hong Kong residents can not open an account or make a transfer – Revolut customers in other supported countries can send HKD payments |
| Wise | Hong Kong residents can send HKD and other foreign currency payments to bank accounts around the world |
| PayPal | Hong Kong residents can send HKD and other foreign currency payments to PayPal accounts |
| Airstar Bank | Account holders can send payments to bank accounts in HKD, CNY, USD and other select currencies |
| ZA Bank | Account holders can send payments to bank accounts in HKD, CNY, USD and other select currencies |
Can I transfer money to Hong Kong with Revolut?
If you’re a Revolut customer in a supported country you can send HKD payments to a bank in Hong Kong. Here’s a summary of what’s available for customers of Revolut and the other alternatives we have explored:
| Provider | Money transfers to Hong Kong |
|---|---|
| Revolut | Revolut customers in other supported countries can send HKD payments to banks in Hong Kong |
| Wise | Wise customers in other supported countries can send HKD payments to Hong Kong bank accounts |
| PayPal | Hong Kong residents can send HKD payments to other PayPal customers in Hong Kong |
| Airstar Bank | Customers can send HKD payments to other banks in Hong Kong |
| ZA Bank | Customers can send HKD payments to other banks in Hong Kong |
Can I open a Revolut Business Account in Hong Kong?
No – you can not open a Revolut Business Account in Hong Kong. Where available, Revolut business accounts offer flexible business services across dozens of currencies, with linked cards and low cost transaction services.
If you’re looking for an alternative, you might consider the providers we’ve featured in this guide – here’s a summary of what’s available:
| Provider | Business accounts in Hong Kong |
|---|---|
| Revolut | Revolut is not available for business customers in Hong Kong |
| Wise | Wise Business is available in Hong Kong for account services, but there is no option for a linked card |
| PayPal | PayPal merchant accounts are available in Hong Kong |
| Airstar Bank | Airstar Bank offers a full suite of business banking services in Hong Kong |
| ZA Bank | ZA Bank offers a full suite of business banking services in Hong Kong |
Can I use my Revolut card in Hong Kong? 🇭🇰
As we’ve seen, Revolut is not yet available for Hong Kong residents – so you can’t get a Revolut card if you live in Hong Kong.
However, if you have a revolut account from a different country, you can continue to use your card for spending and withdrawals in Hong Kong if you’re there on a short visit.
If your residency changes to Hong Kong you’re likely to need to give up your Revolut card to keep in line with the account’s terms and conditions.
More information – Can I use my Revolut card in Hong Kong? and Can I use Wise Multi-Currency Card in Hong Kong?
Tips for Hong Kong visitors using Revolut
- Use a currency conversion tool to keep an eye on the exchange rates from your home currency to HKD, and get a multi-currency account which you can use to convert to HKD when the rate is good
- Check your spending, withdrawal and transaction limits before you travel so you can adjust them if necessary
- Always pay in HKD in Hong Kong. You might be asked if you would rather pay in your home currency but usually this means higher fees and a poor rate
- Have a second card on a different network which you can use if your normal card network is not available for any reason
Revolut launch date in Hong Kong
There is currently no specified Revolut Hong Kong launch date, and no Revolut Hong Kong waiting list you can join.
Keep a look out to their website revolut.com to see what happens in future.
Conclusion: Does Revolut work in Hong Kong?
Revolut does not offer services to people who live in Hong Kong. If you are a Hong Kong resident you can not open an account or get a card. However, if you’ve got a Revolut account from another country and travel to Hong Kong for a short visit, you can continue to use your account as normal.
If Revolut isn’t right for you in Hong Kong, check out these alternatives:
- Wise – great for Hong Kong residents who want to send payments, and people outside Hong Kong looking to hold a balance in HKD, send payments in HKD and hold HKD, USD and 40+ other currencies
- PayPal – great for Hong Kong residents who want to spend and send money online in HKD using a linked card or bank account
- Airstar – great for Hong Kong residents and visitors from Mainland China who want to get a full suite of banking services from a locally licensed digital bank
- ZA Bank – great for Hong Kong residents and visitors from Mainland China looking for ways to manage their money digitally in HKD, CNY and USD
🇭🇰 Revolut in Hong Kong FAQs
Can I use Revolut in Hong Kong?
If you’re a Hong Kong resident you can not hold a Revolut account.
If you’re already a Revolut account holder from somewhere like the US you can use your account when you travel to Hong Kong. You can also hold an AED balance and withdraw cash with your Revolut card in Hong Kong. However, if you have a Revolut account and move to Hong Kong, you will usually need to close your Revolut account.
What are the alternatives to Revolut in Hong Kong?
If Revolut isn’t right for you in Hong Kong, check out these alternatives:
- Wise – great for Hong Kong residents who want to send payments, and people outside Hong Kong looking to hold a balance in HKD, send payments in HKD and hold HKD, USD and 40+ other currencies
- PayPal – great for Hong Kong residents who want to spend and send money online in HKD using a linked card or bank account
- Airstar – great for Hong Kong residents and visitors from Mainland China who want to get a full suite of banking services from a locally licensed digital bank
- ZA Bank – great for Hong Kong residents and visitors from Mainland China looking for ways to manage their money digitally in HKD, CNY and USD
