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Linked Exchange Rate band
7.75007.8500
For individuals · Early access in Hong Kong
Send, hold and convert dollars, rupees, dirhams and crypto at the real exchange rate — on the web and in the H Individual app.
- 0% markup on the rate
- 1 fee, shown upfront
- 24/7 transfers
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· 24h
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· 24h
Designed to route over
FFPSUUPISSWIFT€SEPA ΞEthereum◎SolanaTTronWho it's for
Built for livesthat cross borders.
Web · iOS · Android
Every currency you hold,one screen.
See all your balances, move between them at the real rate and send anywhere — from your laptop or your phone. Everything stays in sync.
Total balance
$48,920.15
▲ 2.4% this month
SendAdd moneyConvert
Accounts
US Dollar22,410.00
Hong Kong Dollar154,380.50
Indian Rupee4,86,220.00
UAE Dirham3,120.00Crypto Live
₿Bitcoin—
ΞEther—
$USD Coin—
₮Tether—
Recent
↗To Priya S. · MumbaiBank · 2 min−$500.00Delivered
↙Salary · Hong KongFPS+HK$42,000Received
⇄Converted to USDCMid-market1,000 USDCDone
Hi, Arun●
Total balance
$48,920.15
↗Send+Add⇄Convert▭Card
USD22,410.00INR4,86,220₿BTC0.2841
$USDC7,500.00
✓₹41,610 delivered to Priya2 minutes · bank account
Get the app. Available at launch on iPhone and Android.
Built for the wayyou actually move money.
Hold 40+ currencies
Open a balance in any currency and convert at the mid-market rate in seconds.
USDHKDINRAED
PHP
SGD
GBP
EUR+32
Crypto, live
Buy, hold and send the big four from one balance.
₿BTC—
ΞETH—
Track every step
Know exactly where your money is.
- SentYou paid $500.00
- ConvertedAt 96.06 · mid-market
- On its wayTo HDFC Bank ••4821
- DeliveredUsually within minutes
Rate alerts
We'll tell you when your rate hits.
USD → INR
Notify me at 96.50
One card, any currency
Pays from the balance that costs you least.
You approve every new recipient
Two-factor confirmation on your phone before money goes anywhere new.
New recipient
Maria SantosBDO Unibank ••1190 · Manila
DeclineApprove with Face ID
Network
Corridorby corridor.
We open routes one at a time, starting where fees hurt most — each with licensed partners on both ends.
Network status--:--:-- HKT
#CorridorMid rateStatus
01.AED → INR—BETA
02.HKD → PHP—IN BUILD
03.HKD → INR—IN BUILD
04.USDC → PHP—IN BUILD
05.GBP → NGN—PLANNED
06.SGD → IDR—PLANNED
Rates: indicative mid-market · refresh 60s
Why we exist
Sending money home still costs too much.
People lose a slice of every transfer to fees and a rate that's quietly marked up. The world has agreed that's too much.
- 6%+
Global average cost of sending $200 abroad — much of it hidden in the exchange rate.
World Bank, Remittance Prices Worldwide - 3%
The UN's target for the cost of sending money home, set in the Sustainable Development Goals.
UN SDG target 10.c - 0%
What H Individual adds to the exchange rate. One clear fee, shown before you confirm.
H Individual launch pricing
Your first transfer,in minutes.
Verify once, then send to a bank, a mobile wallet or a crypto address — and track it until it lands.
Get started- 1
Create your account
Sign up with your email and verify your ID once — passport or HKID. About five minutes.
- 2
Add money
Top up by bank transfer or card, or deposit crypto to your personal wallet address.
- 3
Choose where it goes
A bank account, a mobile wallet or a crypto address. We pick the cheapest route.
- 4
Track it live
Follow every step until it lands. Most transfers arrive within minutes.
Pricing
One fee.Shown upfront.
No markup on the exchange rate, no monthly subscription. What you see in the converter is what you pay.
Try the converter| H Individual account & wallet | Free |
|---|---|
| International transfer | 0.5% |
| Currency conversion | Mid-market + 0.5% |
| Crypto buy, sell or send | 1% |
| Between H Individual accounts | Free |
Illustrative launch pricing. Your exact fee is always shown in the app before you confirm.
Security
Your money,protected.
Built by Harbour & Hills, a Hong Kong cross-border payments company. We launch each corridor only with licensed payment and digital-asset partners in that market.
- Identity verifiedEvery account passes KYC checks before it can send.
- EncryptedYour data and payments are encrypted in transit and at rest.
- Two-factor loginEvery sign-in and new recipient is confirmed on your phone.
- Monitored 24/7Transfers are screened for fraud in real time.
Which countries can I send to?
We are opening corridor by corridor, starting from Hong Kong and the UAE to India and the Philippines. Create an account and we'll tell you as soon as your route is live.
Is H Individual on web and mobile?
Yes. You can use H Individual in your browser and in our iPhone and Android apps. Your account and balances are the same everywhere.
How do you make money if you use the real rate?
We charge one clear fee, shown before you confirm. We never add a margin to the exchange rate.
Is there an account for businesses?
H Individual is for people sending and holding their own money. For companies, Harbour & Hills offers H Business.
What do I need to open an account?
You need to be 18 or over, with an email address, a phone number and a valid government ID such as a passport or HKID. Accounts are in your own name.
Can I send crypto to someone who only has a bank account?
Yes. Send in stablecoins and your recipient can receive local currency in their bank or mobile wallet.
Is crypto available everywhere?
No. Digital-asset services depend on local regulation and aren't offered in every country.
Your next transfercould cost less.
Open a free H Individual account in about five minutes.