{"id":73626,"date":"2026-03-24T12:16:17","date_gmt":"2026-03-24T04:16:17","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=73626"},"modified":"2026-04-27T20:18:29","modified_gmt":"2026-04-27T12:18:29","slug":"hong-kong-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/","title":{"rendered":"Hong Kong ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong>Travelling to Hong Kong? Here\u2019s a Hong Kong ATM withdrawal guide for everything you need to know \ud83d\udc47<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Planning a trip to Hong Kong and need to withdraw some Hong Kong Dollars (HKD)? In this Hong Kong ATM Withdrawal guide, we break down all the essentials \u2014 from the best places to withdraw to fees, limits, and how to get the best HKD exchange rates without overpaying.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-chf-rate\/\">SGD To CHF Exchange Rate Guide (2026): Best Ways to Convert Singapore Dollar to Swiss Franc<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-kyoto\/\">33 Things to Do in Kyoto, Japan: Top Attractions, Food &amp; Travel Tips<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/car-rental-tokyo\/\">Car Rental Tokyo Guide 2026: Top Providers, Prices &amp; Tips for Tourists<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Summary:<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can easily withdraw cash from ATMs all around Hong Kong<\/li>\n\n\n\n<li>Expect <strong>15 to 30 HKD (~S$2-S$5) in local fees <\/strong>per withdrawal<\/li>\n\n\n\n<li><strong>Hang Seng Bank ATMs are generally recommended <\/strong>as they typically do not impose surcharges on foreign cards, though fees may still apply depending on your home bank.<\/li>\n\n\n\n<li><strong>Stick to bank-owned ATMs<\/strong> (e.g. HSBC, Bank of China) over standalone machines in tourist areas to minimise fees<\/li>\n\n\n\n<li><strong>Use multi-currency cards like YouTrip<\/strong> to save on fees and get competitive HKD rates<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong>Table of Contents<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#cash-in-hk\"><strong>Do You Still Need Cash in Hong Kong?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdraw-hkd\"><strong>Can I Withdraw HKD in Hong Kong Using My Debit\/Credit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#find-atms\"><strong>Where to Find ATMs in Hong Kong?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#how-to-withdraw\"><strong>How to Withdraw Cash at Hong Kong ATMs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#atm-fees\"><strong>Hong Kong ATM Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#minimise-fees\"><strong>Tips to Minimise ATM Fees in Hong Kong<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdrawal-limits\"><strong>Hong Kong ATM Cash Withdrawal Limits<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#exchange-rates\"><strong>Exchange Rates &amp; Conversion Fees in Hong Kong<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#multi-currency-card\"><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#safety-tips\"><strong>Hong Kong ATM Safety Tips<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cash-in-hk\"><strong>Do You Still Need Cash in Hong Kong?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Yes, while Hong Kong is largely card-friendly, cash is still commonly used \u2014 especially at small eateries, street markets, local taxis, and older establishments.<\/p>\n\n\n\n<p>Having some HKD on hand is a good idea for convenience and emergencies.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/what-to-do-in-hong-kong\/\"><strong>What To Do In Hong Kong: 7D6N Hong Kong Itinerary<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdraw-hkd\"><strong>Can I Withdraw HKD in Hong Kong Using My Debit\/Credit Card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Absolutely. Most Hong Kong ATMs accept foreign cards, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visa \/ Plus<\/li>\n\n\n\n<li>Mastercard \/ Cirrus \/ Maestro<\/li>\n\n\n\n<li>American Express (fewer ATMs)<\/li>\n<\/ul>\n\n\n\n<p>Look for these logos on the ATM before inserting your card. Most travellers have no issues withdrawing HKD using international debit or credit cards, although fees and exchange rates will vary.<\/p>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-hotels\/\"><strong>Top 15 Hong Kong Hotels From S$74\/Night<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find-atms\"><strong>Where to Find ATMs in Hong Kong?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/11-2.png\" alt=\"Hong Kong ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025)\" class=\"wp-image-73651\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/11-2.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/11-2-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/11-2-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATMs are everywhere in Hong Kong \u2014 from busy MTR stations to convenience stores and shopping malls. Some reliable spots to find them include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Hong Kong International Airport (HKIA)<\/li>\n\n\n\n<li>MTR stations (especially Central, Tsim Sha Tsui, and Causeway Bay)<\/li>\n\n\n\n<li>7-Eleven and Circle K<\/li>\n\n\n\n<li>Shopping malls like Harbour City, IFC Mall, Times Square&nbsp;<\/li>\n\n\n\n<li>Bank branches&nbsp;\n<ul class=\"wp-block-list\">\n<li>HSBC Hong Kong \u2014 Locate your ATM <a href=\"https:\/\/www.hsbc.com.hk\/branch-finder\/\">here<\/a><\/li>\n\n\n\n<li>Bank of China \u2014 Locate your ATM <a href=\"https:\/\/www.bochk.com\/en\/branch.html\">here<\/a><\/li>\n\n\n\n<li>Hang Seng Bank \u2014 Locate your ATM <a href=\"https:\/\/www.hangseng.com\/en-hk\/contact\/branch-addresses\/\">here<\/a><\/li>\n\n\n\n<li>Mastercard Hong Kong \u2014 Locate your ATM <a href=\"https:\/\/sea.mastercard.com\/en-region-sea\/personal\/get-support\/find-nearest-atm.html\">here<\/a><\/li>\n\n\n\n<li>Visa Hong Kong \u2014 Locate your ATM <a href=\"https:\/\/www.visa.com\/locator\/atm\">here<\/a><\/li>\n\n\n\n<li>Citi Hong Kong \u2014 Locate your ATM <a href=\"https:\/\/www.citibank.com.hk\/english\/personal-banking\/atm-network\/\">here<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/octopus-card-hong-kong\/\"><strong>Octopus Card Hong Kong: The Ultimate Guide For Tourists<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-withdraw\"><strong>How to Withdraw Cash at Hong Kong ATMs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" controls poster=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/Screenshot-2025-04-15-at-6.22.21\u202fPM.png\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/copy_BC8C7502-5A59-4DD3-8E57-8C84B4EBC634.mov\"><\/video><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\">Here\u2019s how you can withdraw HKD at Hong Kong ATMs with YouTrip in 4 easy steps:<br><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1774323753413\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying any of these logos and insert your YouTrip card<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774323779978\"><strong class=\"schema-how-to-step-name\">Select <strong>\u2018Saving account\u2019<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774323786511\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774323791745\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in HKD<\/strong> <p class=\"schema-how-to-step-text\">Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter\u00a0<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774323798528\"><strong class=\"schema-how-to-step-name\">And there you have it \u2014 you won\u2019t ever have to worry about running out of cash in Hong Kong!<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><\/em>Find out more about how to withdraw with YouTrip <a href=\"https:\/\/support.you.co\/hc\/en-us\/articles\/360003288834-Can-I-withdraw-cash-from-local-and-overseas-ATMs-with-my-YouTrip-card\"><strong>here<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong> get your YouTrip card here<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"atm-fees\"><strong><strong>Hong Kong<\/strong> ATM Fees<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Here&#8217;s what you might be charged when withdrawing HKD in Hong Kong:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Local ATM fees:<\/strong>&nbsp;Ranges from 15 to 30 HKD (~S$2\u2013S$5) per withdrawal<\/li>\n\n\n\n<li><strong>Your bank&#8217;s withdrawal fee:<\/strong>&nbsp;Varies between 2\u20138% depending on your bank<\/li>\n\n\n\n<li><strong>Foreign transaction fees:<\/strong>&nbsp;Typically 1\u20133% of the transaction<\/li>\n<\/ol>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/brands-that-are-cheaper-in-hong-kong\/\"><strong>Brands That Are Cheaper In Hong Kong Than Back Home<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimise-fees\"><strong>Tips to Minimise ATM Fees in Hong Kong&nbsp;<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stick to bank-owned ATMs<\/strong> (e.g. HSBC, Bank of China, Hang Seng Bank branches) rather than standalone machines in touristy spots, which tend to charge higher fees<br><\/li>\n\n\n\n<li><strong>Withdraw larger amounts <\/strong>less frequently to reduce total fees<br><\/li>\n\n\n\n<li><strong>Avoid Dynamic Currency Conversion (DCC)<\/strong> \u2014 always choose to be charged in HKD<br><\/li>\n\n\n\n<li><strong>Use a multi-currency card like YouTrip,<\/strong> Revolut, or Wise for better rates and lower fees<br><\/li>\n\n\n\n<li>Check if your bank is part of a <strong>global ATM network<\/strong> (e.g. Global ATM Alliance)<\/li>\n<\/ul>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrips-hong-kong-food-guide-2023\/\"><strong>YouTrip\u2019s Hong Kong Food Guide<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdrawal-limits\"><strong>Hong Kong ATM Cash Withdrawal Limits&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Most ATMs in Hong Kong allow you to withdraw up to 20,000 HKD (~S$3,265) per transaction, but this can vary by bank.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/best-breweries-bars-hong-kong\/\"><strong>10 Best Breweries &amp; Bars You Must Visit in Hong Kong<\/strong><\/a><\/em><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exchange-rates\"><strong>Exchange Rates &amp; Conversion Fees in Hong Kong<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>When withdrawing cash at Hong Kong ATMs, you might be asked whether you wish to withdraw in Hong Kong Dollars (HKD) or Singapore Dollars (SGD). <strong>Always choose HKD!<\/strong><\/p>\n\n\n\n<p>If you select SGD, the ATM applies Dynamic Currency Conversion (DCC), which gives you a poor exchange rate with extra fees.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-hkd-rate\/\">Best SGD to HKD Rate in Singapore<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"multi-currency-card\"><strong>Tips to Avoid Fees: Use a Multi-Currency Card<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If you want to get the best value for your money overseas, <strong>using a multi-currency card like YouTrip<\/strong>, Revolut, or Wise can help you save on currency conversion fees. These cards:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Let you convert SGD to HKD at real-time exchange rates<\/li>\n\n\n\n<li>Avoid or charge lower foreign transaction fees compared to traditional banks<\/li>\n\n\n\n<li>Charge lower ATM withdrawal fees and work at most ATMs and retail stores in Hong Kong<\/li>\n<\/ul>\n\n\n\n<p>Here&#8217;s a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Amaze<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HKD Exchange Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 6.125 HKD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 6.124 HKD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 6.111 HKD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 6.078 HKD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 6.078 HKD<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:&nbsp;<\/strong>1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currency conversion fee: <\/strong>From 0.26% <br><br>*fee varies by currency<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees for FX transactions<br><br>\u2705 1% fee (min. fee of S$0.50) for SGD transactions involving GrabPay, prepaid cards &amp; other e-wallet top-ups&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$400 free monthly ATM withdrawals <br><br>2% fee imposed thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free monthly withdrawals of up to S$350 \/ 5 withdrawals. <br><br>2% fee (min. S$1.49) imposed thereafter.<\/td><td class=\"has-text-align-left\" data-align=\"left\">From 1 May 2026: Free withdrawals up to S$100\/month. <br><br>1.75% fee on amounts exceeding S$100.<\/td><td class=\"has-text-align-left\" data-align=\"left\">2% fee imposed on all amounts withdrawn. <br><br>Daily withdrawal limit: S$1,000 (incl. fees)<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates taken as of 24 Mar 2026<\/em><\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em><strong> <a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\">Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-tips\"><strong>Hong Kong ATM Safety Tips<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use ATMs in well-lit, secure locations (e.g. banks or malls)<\/li>\n\n\n\n<li>Cover the keypad when entering your PIN<\/li>\n\n\n\n<li>Avoid ATMs that look tampered with<\/li>\n\n\n\n<li>Don&#8217;t accept help from strangers at ATMs<\/li>\n\n\n\n<li>Always take your card and receipt<\/li>\n<\/ul>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/best-travel-esims\/\"><strong>Best eSIM Singapore: Guide to Travel eSIMs, Cheap Options &amp; Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83c\uddf2\ud83c\uddfe <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand ATM Withdrawal Guide<\/strong><\/a> | <strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam ATM Withdrawal Guide<\/a><\/strong> | \ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia ATM Withdrawal Guide<\/strong><\/a> | <strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau ATM Withdrawal Guide<\/a><\/strong> | \ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddff\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/south-africa-atm-withdrawal-guide\/\">South Africa ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddf5\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/philippines-atm-withdrawal-guide\/\">Philippines ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddeb\ud83c\uddf7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/france-atm-withdrawal-guide\/\">France ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddec\ud83c\udde7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/uk-atm-withdrawal-guide\/\">UK ATM Withdrawal Guide<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get the best HKD rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/10-4.png\" alt=\"Hong Kong ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025)\" class=\"wp-image-73652\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/10-4.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/10-4-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/10-4-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best HKD rates with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Hong Kong!<\/p>\n\n\n\n<p>So if you&#8217;re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <strong>&lt;<strong>YTBLOG5<\/strong>&gt;<\/strong> and get <strong>FREE S$5<\/strong> in your account! <\/p>\n\n\n\n<p>Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\"> YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. <\/p>\n\n\n\n<p>For more great tips and articles like this, join our<a href=\"https:\/\/t.me\/youtripsquad\"> Telegram<\/a> (@YouTripSG) and subscribe to our<a href=\"https:\/\/go.you.co\/blog-newsletter\"> free weekly newsletter here<\/a> or down below.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For travel tips, event invites, and more, join our Community Telegram Group <a href=\"https:\/\/t.me\/youtripsquad\">@YouTripSquad<\/a>! \ud83d\udc9c<\/p>\n\n\n\n<p>Happy travels! <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#712d82\"><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\">Money Changer Near Me: 14 Best Money Changers In Singapore<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\">YouTrip Withdrawal Guide For Singaporeans: ATM Fees &amp; Limits<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-travel-credit-cards-in-singapore-for-overseas-spending\/\">Best Singapore Credit Card For Travel: Complete Comparison Guide<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\">Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em>*The information stated above is true as of 24 Mar 2026<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw HKD worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":73654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8119,624],"tags":[40185,40186,39489,40268],"class_list":["post-73626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-tips","category-travel","tag-atm","tag-atm-withdrawal","tag-hong-kong","tag-hong-kong-atm"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73626","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=73626"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73626\/revisions"}],"predecessor-version":[{"id":86112,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73626\/revisions\/86112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/73654"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=73626"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=73626"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=73626"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}