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 from Australia

Fast, low-cost, and secure online money transfers to China from Australia.

Send money from China to Australia 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 your international transfer

Open an account

You send

Recipient gets exactly

Arrives

Today - in seconds

Total fees

Included in AUD amount

You could save up to 170.83 AUD

Send money to China from Australia

Fast, low-cost, and secure online money transfers to China from Australia.

Send money from China to Australia 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 your international transfer

Open an account

You send

Recipient gets exactly

Arrives

Today - in seconds

Total fees

Included in AUD amount

You could save up to 170.83 AUD

How to send money to China from Australia

Enter amount to send in AUD.

Pay in AUD with your debit card or credit card, or send the money from your online banking.

Choose recipient in China.

Select who you want to send money to and which pay-out method to use.

Send AUD, receive CNY.

The recipient gets money in CNY directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

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.

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 from Australia with WISE

The best way to send Australian 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.
Osko
Osko
Osko by BPAY is an online bank payment method available in Australia. When you’re sending money or paying your bills in AUD, you have an option to select Osko by BPAY for your payment method on our app.
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.
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 Australia

The cheapest way to send AUD to China is by using money that's in your Wise account and costs 78.58 AUD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

AUD

CNY

Sending AUD	Transfer cost
Wise account	78.58 AUD

Osko	78.63 AUD

Bank transfer	78.63 AUD

Debit card	106.66 AUD

Credit card	133.86 AUD

Apple Pay	159.41 AUD

Fastest way to send money to China from Australia

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.

AUD

CNY

Sending AUD	Should arrive
Wise account	in seconds

Osko	in seconds

Bank transfer	in seconds

Debit card	in seconds

Credit card	in seconds

Apple Pay	in seconds