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

Save on your online money transfer to China from Estonia. Transfer Euro to Chinese yuan quickly, safely and join over 12.8 million people using Wise.

Send money from China to Estonia 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 (82h)

You send

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
45.13 EUR

Total included fees (0.91%)
45.13 EUR

Should arrive in seconds

Send money to China

Save on your online money transfer to China from Estonia. Transfer Euro to Chinese yuan quickly, safely and join over 12.8 million people using Wise.

Send money from China to Estonia 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 (82h)

You send

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
45.13 EUR

Total included fees (0.91%)
45.13 EUR

Should arrive in seconds

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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Amount

From

Wise	Competitors
Wise always gives you the real mid-market rate. No markups, no hidden profits. The fairest rate, every time.	Most providers hide their fees in the exchange rate. Compare their rate to Wise - any difference? That’s their cut.

We use the real, mid-market rate with no sneaky markup to hide the fees. Learn more

We’re regulated in the EU by the national bank of Belgium
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 Estonia

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 Estonia

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 Estonia

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

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

Learn more 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 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.
Trustly
Trustly
Trustly is an online bank payment method. With Trustly, you can send money to Wise without leaving our site or app. It's a simple and convenient way to pay in EUR, PLN, SEK, and DKK.
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 Estonia

The cheapest way to send EUR to China is from a Wise balance and costs 44.64 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	44.64 EUR

Bank transfer	45.58 EUR

Debit card	233.67 EUR

Credit card	98.57 EUR

PISP	45.13 EUR

Trustly	46.56 EUR

Apple pay	115.40 EUR

Fastest way to send money to China from Estonia

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 Monday, 2 June

Debit card	in seconds

Credit card	in seconds

PISP	in seconds

Trustly	by Monday, 2 June

Apple pay	in seconds