Send money to China
- 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
- Wire transfer fee6.11 USD
- Our fee41.15 USD
- You could save up to 113.23 USD
Should arrive by Monday
Send money to China
- 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
- Wire transfer fee6.11 USD
- Our fee41.15 USD
- You could save up to 113.23 USD
Should arrive by Monday
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.
 Wise |  Bank of America | |
|---|---|---|
Recipient gets (Total after fees) | 7,073.73 CNY | 6,914.34 CNY |
Exchange rate markup | 0 USD | 38.28 USD |
Exchange rate (1 USDCNY) | 7.18955 | 6.91434 |
Transfer fee | 16.11 USD | 0 USD |
Total transfer cost | 16.11 USD | 38.28 USD |
How to send money to China from the US
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
How to send money to China from the US
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
How to send money to China from the US
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
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
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.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour 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 United States dollar 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.
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.
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.
How to receive money in China
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Cheapest way to send money to China from the US
The cheapest way to send USD to China is from a Wise balance and costs 40.77 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
USD
CNY
| Sending USD | Transfer cost | ||
|---|---|---|---|
| Bank transfer | 47.26 USD | ||
| Direct debit | 50.68 USD | ||
Fastest way to send money to China from the US
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.
USD
CNY
| Sending USD | Should arrive | ||
|---|---|---|---|
| Bank transfer | by Monday | ||
| Direct debit | in 9 hours | ||
Send money to China from the US with the Wise app
Looking for an app to send money to China? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money to China from the US with the Wise app
Looking for an app to send money to China? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Do more with Wise in the US
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
- 3.92%APY on USD
Receive interest*
Opt in and get passthrough FDIC insurance up to $250,000 through our Program Bank.1
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).