Send money online
- 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
Send money online
- 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
Find out how much it costs to send money online
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer "no fee", while hiding a markup in the exchange rate, making you pay more. At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
 Wise |  Bank of America | |
|---|---|---|
Recipient gets (Total after fees) | 6,739.47 CNY | 6,590.40 CNY |
Exchange rate (1 USDCNY) | 6.86210 | 6.59040 |
Exchange rate markup | 0 USD | 39.59 USD |
Transfer fee | 17.87 USD | 0 USD |
Total transfer cost | 17.87 USD | 39.59 USD |
How to send money online from China
Enter amount to send in USD.
Pay in USD with your debit card or credit card, or send the money from your online banking.
Choose your recipient.
Select who you want to send money to and which pay-out method to use.
Send USD, receive CNY.
The recipient gets money in CNY directly from Wise’s local bank account.
How we keep your money safe
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.
Online money transfer fees
How much does it cost to send money online?
To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Best ways to send money internationally with WISE
The best way to send United States 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 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
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.
Alipay
Alipay
To send a secure Alipay transfer your recipient must be a Chinese citizen with a Chinese resident ID card. You'll need their Alipay ID and email or mobile phone number. Learn more about Alipay transfers.
WeChat Pay
WeChat Pay
To send a WeChat Pay transfer your recipient must be a Chinese citizen, registered with a Chinese resident ID card. You'll need the recipient’s full name and WeChat ID. Learn more about WeChat Pay.
Cheapest way to send money abroad from China
The cheapest way to send USD to CNY is by using money that's in your Wise account and costs 52.59 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
USD
CNY
| Sending USD | Transfer cost | ||
|---|---|---|---|
| Wise account | 52.59 USD | ||
| Bank transfer | 59.07 USD | ||
| Direct debit | 62.96 USD | ||
Fastest way to send money abroad from China
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.
USD
CNY
| Sending USD | Should arrive | ||
|---|---|---|---|
| Wise account | in seconds | ||
| Bank transfer | by Monday | ||
| Direct debit | in seconds | ||
Send money online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
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 online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
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.
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Do more with Wise in China
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.
Let's answer some of your questions
See where Wise works
- Send money
- Account details
- Hold and convert money
