HKD to BGN Exchange Rate & Bank Wire Fee Comparison (2026)
Convert Hong Kong Dollar (HKD) to Bulgarian Lev (BGN). The live interbank midpoint rate is 1 HKD = 0.2322 BGN. Compare hidden currency conversion spreads across major international wire systems.
HKD to BGN Real-Time Calculator
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HKD to BGN Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on HK$1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 HKD = 0.2322 BGN | лв232.24 | Current Live Rate |
| 30 Days Ago | 1 HKD = 0.2313 BGN | лв231.31 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 HKD = 0.2350 BGN | лв235.03 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 HKD = 0.2274 BGN | лв227.36 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 HKD = 0.2322 BGN | лв232.24 | +0.0% vs Annual Baseline |
HKD to BGN Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (RINGS / BISERA / IBAN) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (RINGS / BISERA / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Global FX Market Trading Sessions & Real-Time Liquidity Clock
Live status of the four major international interbank wholesale currency dealing desks (UTC standard).
ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.
Required Details to Wire HKD to BGN
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
RINGS / BISERA / IBAN
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
HKD vs BGN: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
Hong Kong Dollar (HKD)
Hong Kong Monetary Authority (HKMA)
5.25%
Benchmark rate2.1%
Consumer pricesBulgarian Lev (BGN)
Bulgarian National Bank (BNB)
3.75%
Benchmark rate2.1%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Hong Kong Monetary Authority (HKMA), Bulgarian National Bank (BNB)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
HKD to BGN: Purchasing Power Parity (PPP) & Inflation Simulator
Simulate real consumer purchasing power erosion across cumulative central bank CPI inflation lookbacks.
To match the domestic purchasing power of HK$1,000 from 2020, you need:
HK$1,258.26 HKD
Based on cumulative Hong Kong Monetary Authority (HKMA) CPI figures.
Converting that baseline principal today at current interbank spot (1 HKD = 0.2322 BGN) yields:
лв232.24 BGN
Without real purchasing power adjustment.
True purchasing power parity target in BGN to preserve original basket consumption:
лв292.16 BGN
Reflects bilateral real exchange rate parity.
Relative inflation differential between HKD and BGN indicates historical purchasing power trajectory.
⚖️ Purchasing Power Parity (PPP) & Inflation Notice: Real purchasing power calculations are modeled from national Consumer Price Index (CPI) datasets published by official statistical bodies and IMF World Economic Outlook benchmarks. Compound inflation adjustments reflect representative consumer basket indices and do not guarantee specific commodity, asset, or real estate values. Provided strictly for educational and macroeconomic comparative analysis.
HKD to BGN Historical Exchange Rate Chart
Real-time interbank rate trajectory across standard historical observation periods.
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лв0.2322
⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: HKD to BGN
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
лв232.24
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
лв872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
лв887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
лв896.12
Physical cash pickup
Traditional Bank Wire Cost Itemization (HKD to BGN)
See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.
Fixed outgoing international wire tariff charged by retail banks.
Charged by routing banks under standard SWIFT SHA/BEN clearing rules.
Typical 2.8% markup added on top of the interbank midpoint.
🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.
HKD to BGN Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇭🇰 HKD to 🇧🇬 BGN
1 HKD = 0.2322 BGN| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| HK$1 HKD | лв0.23 BGN | лв0.00 | -лв4.50 |
| HK$5 HKD | лв1.16 BGN | лв0.00 | -лв4.53 |
| HK$10 HKD | лв2.32 BGN | лв0.00 | -лв4.57 |
| HK$25 HKD | лв5.81 BGN | лв1.12 | -лв4.68 |
| HK$50 HKD | лв11.61 BGN | лв6.74 | -лв4.87 |
| HK$100 HKD | лв23.22 BGN | лв17.98 | -лв5.24 |
| HK$250 HKD | лв58.06 BGN | лв51.71 | -лв6.35 |
| HK$500 HKD | лв116.12 BGN | лв107.91 | -лв8.21 |
| HK$1,000 HKD | лв232.24 BGN | лв220.31 | -лв11.93 |
| HK$5,000 HKD | лв1,161.20 BGN | лв1,119.55 | -лв41.65 |
| HK$10,000 HKD | лв2,322.41 BGN | лв2,243.60 | -лв78.81 |
🇧🇬 BGN to 🇭🇰 HKD (Reverse)
1 BGN = 4.3059 HKD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| лв1 BGN | HK$4.31 HKD | HK$0.00 | -HK$83.50 |
| лв5 BGN | HK$21.53 HKD | HK$0.00 | -HK$84.05 |
| лв10 BGN | HK$43.06 HKD | HK$0.00 | -HK$84.74 |
| лв25 BGN | HK$107.65 HKD | HK$20.84 | -HK$86.81 |
| лв50 BGN | HK$215.29 HKD | HK$125.04 | -HK$90.25 |
| лв100 BGN | HK$430.59 HKD | HK$333.45 | -HK$97.14 |
| лв250 BGN | HK$1,076.47 HKD | HK$958.66 | -HK$117.81 |
| лв500 BGN | HK$2,152.94 HKD | HK$2,000.68 | -HK$152.26 |
| лв1,000 BGN | HK$4,305.87 HKD | HK$4,084.72 | -HK$221.15 |
| лв5,000 BGN | HK$21,529.36 HKD | HK$20,757.06 | -HK$772.30 |
| лв10,000 BGN | HK$43,058.72 HKD | HK$41,597.48 | -HK$1,461.24 |
0.2322
1 HKD = лв0.2322
4.3059
1 BGN = HK$4.3059
0.2230 - 0.2415
Annual volatility band
RINGS / BISERA / IBAN
Clearing rail for BGN