Revolut

Revolut provides mid-market FX rates on weekday transactions (a 1% weekend surcharge applies for certain currencies) and free international transfers to other Revolut users in 160+ countries — instantly, 24/7. The Standard (free) tier includes HK$6,000/month in fee-free FX; the Premium tier (HK$48/month) raises this to unlimited. Revolut's virtual multi-currency account stores balances in 30 currencies simultaneously, making it the optimal tool for HK residents who travel frequently across Asia and Europe and want to avoid repeated conversion costs.