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
- Bank transfer fee0 EUR
- Our fee45.02 EUR
Should arrive in seconds
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
- Bank transfer fee0 EUR
- Our fee45.02 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.
 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. |
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.
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.
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.
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.
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 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 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.
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.
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 (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 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.
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.
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.
Wise account
Wise account
Receive from another Wise account instantly. No need for bank details — let friends find you with your name, email, phone or Wisetag.
Learn more about receiving with Wise.Bank account
Bank account
Wise sends your transfer using local banking networks, so you receive the money directly into your or your recipient's local bank account.
Cheapest way to send money to China from Estonia
The cheapest way to send EUR to China is from a Wise balance and costs 44.53 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 | 44.53 EUR | ||
| Bank transfer | 45.47 EUR | ||
| Debit card | 233.08 EUR | ||
| Credit card | 98.33 EUR | ||
| PISP | 45.02 EUR | ||
| Trustly | 46.45 EUR | ||
| Apple pay | 115.11 EUR | ||
Fastest way to send money to China from Estonia
Sending money with Wise is super fast: 60% 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 Wednesday | ||
| Debit card | in seconds | ||
| Credit card | in seconds | ||
| PISP | in seconds | ||
| Trustly | by Wednesday | ||
| Apple pay | in seconds | ||
Send money to China from Estonia 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 Estonia 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 Estonia
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.
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- Interest is offered through Wise Assets Europe AS, authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon). We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.