How we work

Methodology: how the numbers are made.

Where each figure comes from, how the INR amount is calculated, and how we make money.

Last updated 1 November 2026

What we compare

Hong Kong dollar (HKD) to Indian rupee (INR) transfers, from a mix of online money-transfer services, Hong Kong banks and Indian bank NRI remittance services. We show how many rupees arrive for the amount you send, not just the headline fee.

The mid-market rate

The reference mid-market HKD to INR rate comes from an open currency-data feed that updates once a day. It is a reference point, not a quote you can transact at, and it can differ from tools such as XE or Google, which update continuously during the day. Every provider's margin is applied against this same reference so providers are compared on equal terms.

Where provider figures come from

Each provider card is labelled with how its numbers were obtained:

Live: fetched automatically from the provider's public quote. At the moment this applies to Wise only, and it is refreshed hourly. Other providers do not publish a quote we can fetch automatically.
Last verified [date]: fees and margins we checked by hand against the provider's own website or app on the date shown. Providers change prices without notice, so treat these as a snapshot.
Indicative or Needs verification: figures we have not been able to confirm to the same standard. This includes products that require an account login to see a quote. They are estimates, clearly labelled, and should be checked with the provider.

How "you receive" is calculated

For each provider: take the amount you send, subtract the flat fee, convert at the mid-market rate, then reduce the result by the provider's FX margin.

INR received = (HKD sent − flat fee) × mid-market rate × (1 − margin %)

This is an estimate. Real quotes can differ because of payment method, transfer size, time of day and promotions.

How we make money

Some of the provider links on nriremit are affiliate links. If you click one and then become a customer, the provider may pay us a commission. This costs you nothing extra and does not change the price you are quoted.

Not every provider on the site pays us. Providers with no affiliate arrangement are listed and calculated in exactly the same way.
A commission does not change how a provider's INR figure is calculated, and it does not buy a better position or a better description.
If a provider's numbers are weak for a particular transfer, the comparison will show that.

Where a link may earn us a commission, we aim to say so near the link or in the page disclaimer.

Corrections

If a figure is out of date or wrong, email hello@nriremit.com with the provider and a screenshot or link if you have one. We will check it and correct the page.

Limits

nriremit is informational only. It is not financial, tax or legal advice, and we are not authorised by the HKMA, SFC or RBI. See the terms.