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

Name: Wise
Rating: 4.8 (1030000 reviews)

Save on your online money transfer to China from Hong Kong. Transfer Hong Kong dollar to Chinese yuan quickly, safely and join over 14.8 million people using Wise.

Send money from China to Hong Kong 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 your international transfer

Open an account

You send

Recipient gets exactly

Arrives

Today - in 14 minutes

Total fees

Included in HKD amount

You could save up to 136.23 HKD

Send money to China

Save on your online money transfer to China from Hong Kong. Transfer Hong Kong dollar to Chinese yuan quickly, safely and join over 14.8 million people using Wise.

Send money from China to Hong Kong 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 your international transfer

Open an account

You send

Recipient gets exactly

Arrives

Today - in 14 minutes

Total fees

Included in HKD amount

You could save up to 136.23 HKD

Compare fees for when you send money to China

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.

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Sending 1,000 HKD with	Recipient gets(Total after fees)
	872.81 CNY
Exchange rate(1 HKD CNY) 0.8728 Exchange rate markup 7.91 HKD

	848.02 CNY- 24.79 CNY
Transfer fee 36.09 HKD Exchange rate(1 HKD CNY) 0.8798 Exchange rate markup 0 HKD Cost of transfer 36.09 HKD

	812.86 CNY- 59.95 CNY
Transfer fee 70 HKD Exchange rate(1 HKD CNY) 0.8740 Exchange rate markup 6.51 HKD Cost of transfer 76.51 HKD

	671.94 CNY- 200.87 CNY
Transfer fee 230 HKD Exchange rate(1 HKD CNY) 0.8727 Exchange rate markup 8.09 HKD Cost of transfer 238.09 HKD

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

Amount

From

	Hang Seng	Wise	HSBC HK	Bank of East Asia
Recipient gets (Total after fees)	872.81 CNY	848.02 CNY	812.86 CNY	671.94 CNY
Exchange rate (1 HKDCNY)	0.872814	0.879770	0.874041	0.872656
Exchange rate markup	7.91 HKD	0 HKD	6.51 HKD	8.09 HKD
Transfer fee	0 HKD	36.09 HKD	70 HKD	230 HKD
Total transfer cost	7.91 HKD	36.09 HKD	76.51 HKD	238.09 HKD

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We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.

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

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to China from Hong Kong

Enter amount to send in HKD.

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

Choose recipient in China.

Select who you want to send money to and which pay-out method to use.

Send HKD, receive CNY.

The recipient gets money in CNY directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to China

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 with WISE

The best way to send Hong Kong dollar to Chinese yuan is by using money that's in your Wise account. 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.

Cheapest way to send money to China from Hong Kong

The cheapest way to send HKD to China is by using money that's in your Wise account and costs 460.31 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

CNY

Sending HKD	Transfer cost
Wise account	460.31 HKD

Bank transfer	463.32 HKD

Fastest way to send money to China from Hong Kong

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

HKD

CNY

Sending HKD	Should arrive
Wise account	in 14 minutes

Bank transfer	in 14 minutes