Money & payments in Hong Kong — what locals actually use

Apps, local services, useful places and traveler tips — the practical answer, in one place.Banking and money apps

16 picksUpdated May 4, 2026

Quick answer

Cards work in most places in Hong Kong, but check which local wallet and contactless method are actually accepted before you arrive. Always carry a small amount of cash as backup.

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16 picks

Tools locals use

Apps, websites and services we've vetted for money & payments in Hong Kong.

Tools locals use

16 picks

16 results

Local Pick

App

Alipay

A comprehensive mobile payment and lifestyle platform offering various financial services.

Official site

Wise (formerly TransferWise)

A global technology company that facilitates international money transfers and offers insights on corporate taxation for international expansion in Belgium.

App

PayMe from HSBC

A popular peer-to-peer payment app launched by HSBC, widely used for splitting bills and small transactions among friends and family in Hong Kong.

App

FPS (Faster Payment System)

Hong Kong's ubiquitous instant payment system, allowing payments across banks and e-wallets using phone numbers or email.

App

Revolut

Revolut, primarily a financial super app, also offers eSIM plans for prepaid data in Mozambique and other countries, integrated within its banking services.

App

PayMe from HSBC

A mobile payment app developed by HSBC for peer-to-peer and peer-to-merchant payments in Hong Kong.

App

FPS (Faster Payment System)

A real-time payment platform provided by the Hong Kong Monetary Authority that allows instant interbank transfers using mobile numbers or email addresses.