[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"page-HKD-EUR":3},{"pageContent":4,"exchangeRate":5,"comparisons":13,"summaries":14,"faqs":15,"currencies":36},null,{"id":6,"from_currency":7,"to_currency":8,"rate":9,"date":10,"is_current":11,"created_at":12},"dcb3bb74-9b39-4ad5-890e-f491541e851c","HKD","EUR",0.1189,"2026-04-08",true,"2026-04-08T09:26:36.299779+00:00",[],[],[16,27],{"id":17,"currency_pair":18,"question":19,"answer":20,"display_order":21,"created_at":22,"question_zh_cn":23,"answer_zh_cn":24,"question_zh_tw":25,"answer_zh_tw":26},"49fa3bd0-d099-4d9b-b1fd-ffbea9c6ca6d","general","How do money transfer companies make money?","Money transfer services profit primarily through FX margins (the markup on exchange rates) and transfer fees. Some may also earn interest on funds held during processing. Services with zero fees typically have slightly higher FX margins, while others charge explicit fees but offer better rates.",1,"2026-04-08T09:27:33.321886+00:00","汇款公司如何盈利？","汇款服务主要通过汇率差价（汇率加价）和转账手续费盈利。部分服务商还会在资金处理期间赚取利息收益。零手续费的服务通常会设置略高的汇率差价，而收取手续费的服务商则往往提供更优惠的汇率。","匯款公司如何獲利？","匯款服務主要透過匯率差價（匯率加價）和轉帳手續費獲利。部分服務商還會在資金處理期間賺取利息收益。零手續費的服務通常會設置略高的匯率差價，而收取手續費的服務商則往往提供更優惠的匯率。",{"id":28,"currency_pair":18,"question":29,"answer":30,"display_order":31,"created_at":22,"question_zh_cn":32,"answer_zh_cn":33,"question_zh_tw":34,"answer_zh_tw":35},"56ded9fa-0ef2-4ee9-ac64-08f969be2c0b","Should I use a bank or money transfer service?","Money transfer services typically offer better exchange rates and lower fees than traditional banks for international transfers. Banks often charge HKD 100-200 in fees plus 2-3% FX margins, while specialized services like Panda Remit or Wise charge significantly less.",2,"我应该使用银行还是专业汇款服务？","对于国际汇款，专业汇款服务通常比传统银行提供更好的汇率和更低的手续费。银行通常收取港元100–200的手续费，加上2–3%的汇率差价，而Panda Remit、Wise等专业服务收费明显更低。","我應該使用銀行還是專業匯款服務？","對於國際匯款，專業匯款服務通常比傳統銀行提供更好的匯率和更低的手續費。銀行通常收取港元100–200的手續費，加上2–3%的匯率差價，而Panda Remit、Wise等專業服務收費明顯更低。",{"HKD":37,"EUR":42},{"code":7,"name":38,"symbol":39,"flag_emoji":40,"is_active":11,"created_at":41},"Hong Kong Dollar","HK$","🇭🇰","2026-04-08T09:26:13.980857+00:00",{"code":8,"name":43,"symbol":44,"flag_emoji":45,"is_active":11,"created_at":41},"Euro","€","🇪🇺",1775955338668]