Send money to China
Fast, low-cost, and secure online money transfers from Hong Kong to China.
Should arrive in seconds
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 with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 924.71 CNY | ||||||||||
Transfer fee 0 HKD Exchange rate(1 HKD CNY) 0.924706 Exchange rate markup 6.17 HKD Cost of transfer 6.17 HKD | |||||||||||
 | 913.57 CNY- 11.14 CNY | ||||||||||
Transfer fee 5 HKD Exchange rate(1 HKD CNY) 0.918165 Exchange rate markup 13.20 HKD Cost of transfer 18.20 HKD | |||||||||||
 | 889.86 CNY- 34.85 CNY | ||||||||||
Transfer fee 43.62 HKD Exchange rate(1 HKD CNY) 0.930451 Exchange rate markup 0 HKD Cost of transfer 43.62 HKD | |||||||||||
 | 865.10 CNY- 59.61 CNY | ||||||||||
Transfer fee 65 HKD Exchange rate(1 HKD CNY) 0.925244 Exchange rate markup 5.60 HKD Cost of transfer 70.60 HKD | |||||||||||
 | 712.58 CNY- 212.13 CNY | ||||||||||
Transfer fee 230 HKD Exchange rate(1 HKD CNY) 0.925435 Exchange rate markup 5.39 HKD Cost of transfer 235.39 HKD | |||||||||||
How to send money to China in 3 easy steps
Enter amount to send in HKD.
Pay in HKD 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 HKD, receive CNY.
The recipient gets money in CNY directly from Wise’s local bank account.
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 transfersHow to send money to China from Hong Kong
How to send money to China from Hong Kong
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
- 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 37.46 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.
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
Should arrive
in secondsWhat you’ll need for your online money transfer to China
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank transfer, or a debit or credit card.
That’s it.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
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.
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.
Wise works nearly everywhere
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.
