Sending money
How can I send Chinese Yuan (CNY) to a UnionPay recipient with Wise?
Log into your Wise personal account, and set up a transfer to CNY.
Choose UnionPay under Bank details, then tell us who you're sending to by entering your recipient's name (in Latin characters only), and the UnionPay Card Number.
Check that all details are correct before paying for your transfer.
And that's it!
Who can I send to?
You can only send to a personal recipient via UnionPay. We don't support business recipients.
You can only send to UnionPay cards connected to CNY bank accounts. If your recipient is a Mainland Chinese citizen, who has opened a bank account using a Mainland Chinese National Identity card, the bank accounts should support UnionPay’s MoneyExpress service.
If your recipient is not a Mainland Chinese citizen, you can only send to UnionPay cards issued by these banks:
Industrial and Commercial Bank of China Limited
Bank of Communications
Guangdong Rural Credit Cooperative
China Everbright Bank
Bank of Shanghai
Bank of Beijing
Bank of Ningxia
Bank of Gansu
We'll actively update this list if there are any changes.
What countries and regions can I send from?
UnionPay currently only support customers sending from these countries and regions:
Andorra, Australia, Austria, Belgium, British Gibraltar, Bulgaria, Canada, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Monaco, Netherlands, Norway, Philippines, Poland, Romania, San Marino, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, the United Kingdom, and the United States.
Some banks in China don't accept payments from abroad, so you can't send money to these banks:
China Merchants Bank
China Minsheng Bank
Industrial Bank Co
Shanghai Pudong Development Bank
Bank of Nanjing
How much can I send?
You can send up to 33,000 CNY per transaction
You can send up to 10,000 USD per recipient, or equivalent in CNY, per day*
You can send up to 50,000 USD per recipient, or equivalent in CNY, per year*
Your recipient may receive up to 5 transfers per day, and 20 transfer per calendar month
If your recipient is a foreigner in China, the daily limit per recipient is 80,000 CNY and the annual limit per recipient is 400,000 CNY.
*Note that the limits includes overseas payments into the recipient’s UnionPay account from non-Wise services, too.
How do I choose the correct purpose for my transfer?
C2C purpose:
Wage & family support
Overseas investment income
Red envelope (Hongbao) for celebrations
Salary payment
Savings
Others
B2C purpose:
Salary payment
Pay for services
Please note that UnionPay does not support B2B transfer.
Foreign recipient
If the recipient is a foreigner in China, you can only send for these transfer purposes:
Education expenses
Personal expenses
Travel expenses
Medical expenses
Receiving Money
Once the money reaches your recipient’s bank, they'll get an SMS message from their bank. The money will go into their account automatically.
How long does it usually take for the money to arrive?
Once we get and convert your money, it usually gets to your recipient’s bank account on the same working day.
If your recipient reached the daily receiving limit, the money will get there the next day.
I entered the wrong UnionPay card number. What should I do?
If you added the UnionPay card number and got an error message, it means that UnionPay can't send transfers to that recipient.
Read the section above under “Who can I send to?” and double-check with your recipient that they gave you the right UnionPay card number.
We can't recall payments that were sent to the wrong recipient. When setting up a UnionPay transfer, check the card number to ensure you're sending it to the right recipient.
Why was my transfer cancelled?
Your transfer could be cancelled and refunded for many reasons. For example, your recipient reached their receiving limit, or their account is blocked. Your transfer might also be cancelled if you send funds from a country that UnionPay doesn't support.
My recipient didn't get the funds. What can I do?
Check with your recipient if they got an SMS text about the transfer. You should also check if they can give you bank statements to trace the payment.
Can I cancel a transfer that I have already sent?
You can't cancel or recall a transfer that has been sent.