Easy Way to Send Money to China

Compare the best money transfer service to China

At Wise, we never hide extra fees and charges in the exchange rate. We just use the exchange rate – independently provided by Reuters. That means fair, low-cost transfers, every time.

Compare Wise exchange rates and fees with some of the biggest money transfer and remit services, such as Barclays, MoneyGram or WorldRemit.

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How to send money to China in 3 easy steps

1

Start your transfer.

Pay in USD with your debit card or credit card, or send the money from your online banking.

2

Get the best rate out there.

Wise always gives you the real and fair mid-market exchange rate.

3

Money is locally delivered.

The recipient gets money in their currency directly from Wise's local bank account.

How much does it cost to transfer money to China?

To send money in USD to China, you pay a small, flat fee of 4.47 USD + 0.65% of the amount that's converted (you'll always see the total cost upfront).

Some payment methods have an added fee, but that's usually tiny too.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

	Wise Fees
Fixed fee	4.47 USD
% fee for transfers up to 120,690 USD	0.65%
% fee for transfers up to 362,070 USD	0.55%
% fee for transfers up to 603,450 USD	0.5%
% fee for transfers up to 1,206,900 USD	0.49%
% fee for amounts over 1,206,900 USD	0.48%

How long will a money transfer to China take?

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We'll always keep you updated, and you can track each step in your account.

Your transfer route

Save when sending money to China

Wise is easy

How to send money to China from the USA

Wise makes transferring money to China a breeze:

1. Just tap in how much, and where to.
2. Then make a local payment to Wise, whether it's with a wire transfer, ACH or your debit or credit card.
3. And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

Available payment methods

• Direct Debit
• Bank Transfer
• Debit Card
• Credit Card

The best ways to send money to China

Choosing the right way to send money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper.

Here are the best ways to transfer money to China with Wise:

• Direct Debit

  Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.

• Bank Transfer

  Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option here.

• Debit Card

  Paying for your transfer with a debit card is easy and fast. It's also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card here.

• Credit Card

  Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card here.

What you'll need for your online money transfer to China

1. 

   1. Create your free account.

   Click 'Sign up', then create your free account. It takes seconds. You can do it on our website or with our app. All you need is an email address, or a Google or Facebook account.

2. 

   2. Set up your first transfer.

   Use our calculator to tell us how much money you want to send, and where you want to send it. You'll see our fees upfront. We'll tell you when your money should get there, too.

3. 

   3. Tell us a little about yourself.

   We'll ask you if you're sending money as an individual or business. We'll also need your full name, birthday, phone number, and address. You know, the standard stuff.

4. 

   4. Tell us who you're sending to.

   Yourself? Someone else? A business or charity? Pick your answer. Then we'll ask you for some basic information about your recipient, including their bank details. They need a bank account, but they don't need a Wise account. (Though we hope they'll want one soon.)

5. 

   5. Make sure everything looks good.

   We'll show you a summary of your transfer. If everything looks good, click Confirm. You can also make any changes you need to.

6. 

   6. Pay for your transfer.

   Would you like to pay by wire transfer? Debit or credit card?Make your choice, and we'll tell you how to do it. Each payment method has its own steps, but they're all straightforward and should only take a few minutes.

Wise is safe and secure

Wise is an authorised Electronic Money Institution independently regulated by the Financial Crimes Enforcement Network (FinCEN) in the USA.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

We're trusted by 13 million people and counting.

We have a 4.5 out of 5 rating on Trustpilot

It's your money. You can trust us to get it where it needs to be, but don't take our word for it. Read our reviews at Trustpilot.com

Fast, helpful, reliable

Mehmet Tanyüksel

Published 12 hours ago

Very happy with Wise - they are brilliant!

Cathy Mullis

Published 12 hours ago

Easy, Quick, Fair, Smart Just fun to use ! :=)

Silja Rehfeldt

Published 12 hours ago

Save money when sending money to China

Transfer your United States dollar to Chinese yuan today with Wise.

Create free account now

FAQs

Choosing the right way to send money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper. Find out here what are the best ways to transfer money to China with Wise.

Yes. Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Learn more

Yes, there are limits for how much you can send to China with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator. We'll also let you know if you try to send too much at one time.

If you'd like to send more than our limits allow, you can. You'll just need to set up several transfers that are under the limits.

On many popular routes, Wise can send your money within one day, or even within seconds. Sometimes, different payment methods or routine checks may affect the transfer delivery time. We'll always keep you updated, and you can track each step in your account.
See how long a money transfer to China takes.

• Register for free
  Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
• Choose an amount to send
  Tell us how much you want to send. We'll show you our fees upfront, and tell you when your money should arrive.
• Add recipient's bank details
  Fill in the details of your recipient's bank account. If you don't know their details, we can request them for you.
• Verify your identity
  For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
• Pay for your transfer
  Send your money with a bank transfer, or a debit or credit card.
• That's it
  We'll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

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Source: https://wise.com/us/send-money/send-money-to-china

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