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Send money to China

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

C&ED regulated
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Over 10 million customers
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  • 0 HKD
  • 43.84 HKDOur fee
  • 43.84 HKDTotal fees
  • =
    956.16 HKDTotal amount we’ll convert
  • ×
    0.9241

Should arrive in seconds

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Save when you send money to China

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.

How do we select providers and collect this data?
Sending 1,000 HKD withRecipient gets(Total after fees)
Western Union
907.86 CNY
Transfer fee
5 HKD
Exchange rate(1 HKD CNY)
0.912419
Exchange rate markup
12.65 HKD

Cost of transfer
17.65 HKD

Wise
883.59 CNY- 24.27 CNY
Transfer fee
43.84 HKD
Exchange rate(1 HKD CNY)
0.924105
Exchange rate markup
0 HKD

Cost of transfer
43.84 HKD

HSBC
858.66 CNY- 49.20 CNY
Transfer fee
65 HKD
Exchange rate(1 HKD CNY)
0.918358
Exchange rate markup
6.22 HKD

Cost of transfer
71.22 HKD

BEA 東亞銀行
710.98 CNY- 196.88 CNY
Transfer fee
230 HKD
Exchange rate(1 HKD CNY)
0.923354
Exchange rate markup
0.81 HKD

Cost of transfer
230.81 HKD

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How to send money to China in 3 easy steps

Large amount of currency illustration

Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money to China from Hong Kong

How to send money to China from Hong Kong

  1. Just tap in how much, and where to.
  2. Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
  3. And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to transfer money to China?

Pay a small, flat fee and percentage

To send money in HKD to China, you pay a small, flat fee of 37.68 HKD + 0.62% of the amount that's converted (you'll always see the total cost upfront).


Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.


No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Wise
Fees for our low cost transfers
Fixed fee
37.68 HKD
Variable feeup to 200,886 HKD/month
0.62%
Variable feemore than 200,886 HKD/month

How long will a money transfer to China take?

A money transfer from Hong Kong (HKD) to China (CNY) should arrive in seconds. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

HKD
CNY

Should arrive

in seconds

What you’ll need for your online money transfer to China

Best ways to send money to China

  • 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

    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

    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

    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.
  • Google Pay

    If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google 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.

Trust Wise with safe & secure money transfers to China

Safeguarded with leading banks

We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Send money to China from Hong Kong with the Wise app

Looking for an app to send money to China? Sending money is easy with Wise app.

  • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
  • Check exchange rates - see on the app how exchange rates have changed over time.
  • Repeat your previous transfers - save the details, and make your monthly payments easier.
Learn more about the Wise app

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.

Let's answer some of your questions