Send Money to China

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)
	950.72 CNY
Transfer fee 5 HKD Exchange rate(1 HKD CNY) 0.955498 Exchange rate markup 0 HKD Cost of transfer 0 HKD

	935.78 CNY- 14.94 CNY
Transfer fee 0 HKD Exchange rate(1 HKD CNY) 0.935782 Exchange rate markup 4.31 HKD Cost of transfer 4.31 HKD

	899.01 CNY- 51.71 CNY
Transfer fee 43.31 HKD Exchange rate(1 HKD CNY) 0.939706 Exchange rate markup 0.14 HKD Cost of transfer 43.45 HKD

	874.62 CNY- 76.10 CNY
Transfer fee 65 HKD Exchange rate(1 HKD CNY) 0.935420 Exchange rate markup 4.70 HKD Cost of transfer 69.70 HKD

	720.75 CNY- 229.97 CNY
Transfer fee 230 HKD Exchange rate(1 HKD CNY) 0.936042 Exchange rate markup 4.03 HKD Cost of transfer 234.03 HKD

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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.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

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 37.15 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.

Fees for our low cost transfers

Fixed fee

37.15 HKD

Variable feeup to 195,018.40 HKD/month

0.62%

Variable feemore than 195,018.40 HKD/month

Discount applies

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

1

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.

2

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.

3

Add recipient’s bank details.

Fill in the details of your recipient’s bank account.

4

Verify your identity.

For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

5

Pay for your transfer.

Send your money with a bank transfer, or a debit or credit card.

6

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.

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