您可以从您的 Wise 账户向个人支付宝账户发送人民币（CNY，也称 RMB）汇款。
在本篇文章中，您将了解：
通过支付宝汇出人民币前重要须知
收款人姓名：您必须使用拼音（拉丁字母）填写收款人的全名，并在名字与姓氏之间添加空格。姓名应与收款人中国身份证上的姓名完全一致。
收款人资格：收款人必须为中国大陆公民（使用中国公民身份证）或香港/澳门居民（使用来往内地通行证），且年满 18 周岁。
支付宝账号：支付宝账号可以是手机号码或电子邮箱地址。我们支持全球各地的手机号码。
如何向支付宝用户汇款
登录您的 Wise 账户并设置一笔人民币汇款
在收款人银行详细信息中选择支付宝
输入收款人的姓名及其支付宝账号
核对所有详细信息正确无误并确认付款
收款人如何收到款项？
款项将汇入收款人支付宝账户绑定的银行卡 ，不会存入其支付宝钱包。
收款人必须有与支付宝账户绑定的银行卡才能收款。
以下是收款人的操作流程：
当您发送汇款后，收款人可能会收到来自支付宝的短信或 app 内通知。
提示：如果对方没有看到通知，请让其打开支付宝 App 查看是否有待处理的汇款。
收款人必须打开支付宝通知并按提示绑定银行卡，此步骤须在 72 小时内完成。若未在规定时间内绑定银行卡，汇款将自动取消，并且款项将退回您的 Wise 账户。
选择收款方式：支付宝钱包或银行卡。收款人可能需要提供更多信息，例如身份证复印件或地址，以作验证。在这种情况下，收款人必须在收到支付宝通知后的 24 小时内提交所需文件以进行验证。
汇款将完成，款项将存入对方的银行卡或支付宝钱包。
我可以汇多少钱？
每笔汇款的限额为人民币50,000元。
| 汇款目的 | 单笔限额 | 收款人每月最高收款次数限制* | 收款人每年最高收款限额* |
|---|---|---|---|
| 汇款给家人** | 50,000 人民币 | 15 | 800,000 人民币 |
| 工资** | 50,000 人民币 | 15 | 800,000 人民币 |
| 储蓄 | 50,000 人民币 | 15 | 600,000 人民币 |
| 商品 | 50,000 人民币 | 无限制 | 600,000 人民币 |
| 服务 | 50,000 人民币 | 无限制 | 300,000 人民币 |
*年度和月度限额包含收款人从所有服务收到的全部款项，不仅限于 Wise。
**汇款次数上限包含向收款人支付宝余额和其绑定银行卡的付款。
企业汇款人的汇出限制与汇款目的
若您使用 Wise 企业账户汇款，仅可选择工资或服务。其限额与个人汇款人相同。
您必须提供有效的企业注册号才能以企业身份汇款。
我可以从哪些国家/地区发送汇款？
个人汇款人可从所有支持的国家/地区向支付宝汇款，但以下国家/地区除外：
中国大陆
古巴
伊朗
尼日利亚
朝鲜
叙利亚
乌克兰地区：克里米亚、顿涅茨克和卢甘斯克
企业汇款人可以从以下国家/地区向支付宝汇款：阿尔巴尼亚、安道尔、澳大利亚、奥地利、白俄罗斯、比利时、波斯尼亚、保加利亚、加拿大、克罗地亚、塞浦路斯、捷克、丹麦、爱沙尼亚、法罗群岛、芬兰、法国、德国、直布罗陀、希腊、中国香港、匈牙利、冰岛、印度尼西亚、爱尔兰、意大利、日本、韩国、拉脱维亚、列支敦士登、立陶宛、卢森堡、马其顿、马耳他、摩尔多瓦、摩纳哥、黑山、荷兰、新西兰、挪威、波兰、葡萄牙、罗马尼亚、圣马力诺、塞尔维亚、新加坡、斯洛伐克、斯洛文尼亚、西班牙、瑞典、瑞士、英国、美国。
常见问题与解答
| Question | Answer |
|---|---|
| How can my recipient check the transfer status? | Once the transfer is sent, the recipient gets an SMS and a push notification with all transfer details.For more information, view this step-by-step guide in English and Mandarin. |
| I gave the wrong recipient name or Alipay ID. What should I do? | When you set up the transfer, Wise checks the recipient's name and Alipay ID. If the details don't match, you'll see an error message and won't be able to proceed. Double-check the details with your recipient. |
| Why was my transfer cancelled? | A transfer to Alipay is usually cancelled because: Your recipient didn't complete the required steps (like linking their bank card) within 72 hours; Your recipient isn't eligible (they aren't a Mainland Chinese citizen or a HK/Macao resident, or they aren't over 18); The recipient's name you entered didn't match the name on their Chinese National ID. |
| My recipient didn't get the transfer notification or SMS link | Ask your recipient to contact the Alipay customer service via the App. |
| My recipient didn't get the money. What can I do? | First, ask your recipient to check their bank card statement, not their Alipay wallet balance. The money is sent directly to their linked bank card. If it's still not there, it's likely pending. This is usually because Alipay is waiting for the recipient to complete an action in their app, such as linking their bank card or providing documents for verification (like a payslip if you sent for ‘Salary’). Ask your recipient to open their Alipay app and check for any pending tasks or notifications. |
| My transfer failed. How can I find out why? | If your transfer fails, please check the details with your recipient. If they're unsure, they may need to contact Alipay customer support through the Alipay app for more information. |
| Why can my recipient only get 15 payments per month? | This is a limit set by Alipay and our partners for all incoming international payments, not just those from Wise. |
| Can I cancel my transfer? | You can't cancel a transfer to Alipay once it has been sent. If your recipient doesn't link their bank card within 72 hours, the transfer will be automatically cancelled, and we'll refund the money to you. |