💸
    ATM Fee Guide
    🇭🇰

    ATM Fees in Hong Kong

    Hong Kong Dollar (HKD) • Updated July 2026

    Hong Kong is highly developed. Octopus card is essential for transport and small purchases. Credit cards widely accepted. Cash needed for taxis and local eateries.

    💡

    Tips for Hong Kong

    • • Get Octopus card immediately
    • • Octopus pays for almost everything
    • • Cards accepted in malls/hotels
    • • Cash for taxis/local food
    • • HSBC/Hang Seng ATMs everywhere
    ✈️

    Airport tips

    • • Get Octopus at airport
    • • Airport Express accepts cards
    • • ATMs plentiful
    🏦

    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Hong Kong, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    600-1,300 HKD

    HKD/day

    🏨 Accommodation300-600 HKD
    🍜 Food & drinks150-300 HKD
    🚌 Transport50-100 HKD
    🎟️ Activities100-300 HKD

    ≈ $76.53-166 USD

    Mid-range

    Hotels, restaurants, mix of transport

    1,800-3,800 HKD

    HKD/day

    🏨 Accommodation1,000-2,000 HKD
    🍜 Food & drinks400-800 HKD
    🚌 Transport100-200 HKD
    🎟️ Activities300-800 HKD

    ≈ $230-485 USD

    Luxury

    Premium hotels, fine dining, private transport

    5,100-13,300 HKD

    HKD/day

    🏨 Accommodation3,000-8,000 HKD
    🍜 Food & drinks1,000-2,500 HKD
    🚌 Transport300-800 HKD
    🎟️ Activities800-2,000 HKD

    ≈ $650-1,696 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Hong Kong.

    Credit card acceptance

    High

    Octopus card is king for small spend. Cards for big spend.

    💵

    You'll need cash for

    • • Taxis (most)
    • • Cha chaan tengs (local cafes)
    • • Markets
    • • Refilling Octopus (cash only at machines)
    💳

    Cards usually accepted

    • • Malls
    • • Hotels
    • • Supermarkets
    • • Chain restaurants

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    HSBC0 HKD0 USD100
    Hang Seng0 HKD0 USD80
    Bank of China (Hong Kong)0 HKD0 USD190
    Standard Chartered0 HKD0 USD70
    Citibank0 HKD0 USD50
    DBS (Hong Kong)0 HKD0 USD40
    Bank of East Asia (BEA)0 HKD0 USD70
    ICBC (Asia)0 HKD0 USD55

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Bank of China (Hong Kong)0 HKD0 USD190
    HSBC0 HKD0 USD100
    Hang Seng0 HKD0 USD80
    Standard Chartered0 HKD0 USD70
    Bank of East Asia (BEA)0 HKD0 USD70
    ICBC (Asia)0 HKD0 USD55
    Citibank0 HKD0 USD50
    DBS (Hong Kong)0 HKD0 USD40

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Hong Kong:

    JETCO (Joint Electronic Teller Services)
    View all ATM alliances →

    Explore other countries

    🇨🇳 China🇯🇵 Japan🇲🇴 Macau🇦🇫 Afghanistan🇦🇱 Albania