Hong Kong uses the Hong Kong Dollar (HKD) — cards work almost everywhere.
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Hong Kong uses the Hong Kong Dollar (HKD).
In Hong Kong, cards work almost everywhere. Very cashless — the Octopus card is used everywhere from transit to convenience stores, alongside standard card acceptance.
Exchange rates at airport kiosks are usually the worst available — a local ATM after you land almost always gets you a better rate, and a small amount of cash exchanged in advance is only worth it for late-night arrivals.
Always choose the local currency when a card terminal or ATM in Hong Kong asks — "dynamic currency conversion" into your home currency almost always carries a worse exchange rate.
Banks and airport kiosks quietly add 3–7% to every exchange through worse rates and fees. A Wise account converts your money at the real mid-market rate, holds 40+ currencies, and comes with a card that works at ATMs and terminals in Hong Kong like a local one — usually the cheapest way for travelers to spend abroad.
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