Neat Money

Neat is a Hong Kong MSO-licensed payment platform offering business and personal FX accounts with mid-market rates and transparent fee structures starting at 0.5%. Particularly strong for HKD-USD and HKD-EUR corporate transfers, Neat provides multi-currency accounts, team spending controls, and real-time SWIFT tracking. For HK freelancers and small businesses receiving USD payments and converting to HKD, Neat's bank-account-like features — with IBAN-equivalent routing details — provide a cheaper Wise alternative with local HK account details for receiving client payments.