What types of transfers can I send to Chinese yuan (CNY)?

We support both personal and business customers sending Chinese yuan (CNY) to China. The delivery method available depends on the type of sender and recipient. Refer to the respective help pages to see specific information on the methods. Individual senders can use UnionPay , Alipay , Weixin to send to other individuals. Individual senders can’t send to business recipients. Business senders can send to both individuals and businesses. UnionPay , Alipay can be used for individuals and local bank accounts can be used for business recipients.

How much can I send to China?

Sending via UnionPay: You can send up to 33,000 Chinese yuan (CNY) per transaction. Sending via Alipay: You can send up to 50,000 Chinese yuan (CNY) per transfer. Each recipient can receive between 300,000—600,000 Chinese yuan (CNY) per year and there may be monthly frequency limits depending on the transfer purpose. Learn more about Alipay recipient limits Sending via Weixin: You can send up to 50,000 Chinese yuan (CNY) per transfer. Each recipient can receive 500,000 Chinese yuan (CNY) per year. For bank transfers (Business sending to business in China): Unlimited, but depending on the currency you are sending from there might be limits imposed.

How long does a money transfer to China take?

When you set up your transfer, we will always give you an estimate on how long your transfer will take, depending on the transfer partner you chose. Learn more about how long transfers take

Why was my transfer delayed or cancelled?

Your transfer may be delayed or cancelled if your recipient doesn’t complete verification or card binding which is prompted by Alipay (72 hours) and/or WeChat (48 hours). Your transfer may also be delayed when we need more information about your transfer purpose (requested by the local authorities). If your transfer is cancelled, your money will automatically go back to you within 3 working days.

Send money to China from Montenegro

Name: Wise
Rating: 4.8 (1030000 reviews)

Fast, low-cost, and secure online money transfers to China from Montenegro.

Send money from China to Montenegro instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (51h)

You send

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
42.50 EUR

Total included fees (0.89%)
42.50 EUR

You could save up to 145.16 EUR

Should arrive in 25 minutes

Send money to China from Montenegro

Fast, low-cost, and secure online money transfers to China from Montenegro.

Send money from China to Montenegro instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (51h)

You send

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
42.50 EUR

Total included fees (0.89%)
42.50 EUR

You could save up to 145.16 EUR

Should arrive in 25 minutes

Save when you send money to China from Montenegro

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 1,000 EUR with	Recipient gets(Total after fees)
	8,312 CNY
Transfer fee 11.21 EUR Exchange rate(1 EUR CNY) 8.40623 Exchange rate markup 0 EUR Cost of transfer 11.21 EUR

	8,158.11 CNY- 153.89 CNY
Transfer fee 15 EUR Exchange rate(1 EUR CNY) 8.28235 Exchange rate markup 14.74 EUR Cost of transfer 29.74 EUR

	8,106.29 CNY- 205.71 CNY
Transfer fee 16 EUR Exchange rate(1 EUR CNY) 8.23810 Exchange rate markup 20.00 EUR Cost of transfer 36.00 EUR

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	BNP Paribas	Rabobank
Recipient gets (Total after fees)	8,312 CNY	8,158.11 CNY	8,106.29 CNY
Exchange rate markup	0 EUR	14.74 EUR	20.00 EUR
Exchange rate (1 EURCNY)	8.40623	8.28235	8.23810
Transfer fee	11.21 EUR	15 EUR	16 EUR
Total transfer cost	11.21 EUR	29.74 EUR	36.00 EUR

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to China from Montenegro

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send CNY to UnionPay, AliPay, WeChat accounts in China. Your recipient doesn't need Wise to receive money. But individuals will need a Chinese National ID card, and businesses will need a CNY account in mainland China to receive money.

Enter the amount you want to send from Euro to Chinese yuan. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in euros by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to China from Montenegro

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send CNY to UnionPay, AliPay, WeChat accounts in China. Your recipient doesn't need Wise to receive money. But individuals will need a Chinese National ID card, and businesses will need a CNY account in mainland China to receive money.

Enter the amount you want to send from Euro to Chinese yuan. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in euros by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to China from Montenegro

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send CNY to UnionPay, AliPay, WeChat accounts in China. Your recipient doesn't need Wise to receive money. But individuals will need a Chinese National ID card, and businesses will need a CNY account in mainland China to receive money.

Enter the amount you want to send from Euro to Chinese yuan. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in euros by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to China from Montenegro with WISE

The best way to send Euro to Chinese yuan is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
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.
Debit Card
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.
Credit card
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.
PISP
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Cheapest way to send money to China from Montenegro

The cheapest way to send EUR to China is from a Wise balance and costs 42.02 EUR. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

EUR

CNY

Sending EUR	Transfer cost
Wise balance	42.02 EUR

Bank transfer	42.95 EUR

Debit card	225.41 EUR

Credit card	94.35 EUR

PISP	42.50 EUR

Apple pay	110.67 EUR

Fastest way to send money to China from Montenegro

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

EUR

CNY

Sending EUR	Should arrive
Wise balance	in seconds

Bank transfer	by Tuesday

Debit card	in seconds

Credit card	in seconds

PISP	in 25 minutes

Apple pay	in seconds