Send money to China

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

Over 10 million customers
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  • 0 JPY
  • 878 JPYOur fee
  • 878 JPYTotal fees
  • =
    9,122 JPYTotal amount we’ll convert
  • ÷
    21.1016

Should arrive by Tuesday, October 15

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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 10,000 JPY withRecipient gets(Total after fees)
Wise
432.29 CNY
Transfer fee
878 JPY
Exchange rate(1 CNY JPY)
21.1016
Exchange rate markup
0 JPY

Cost of transfer
878 JPY

Western Union
430.89 CNY- 1.40 CNY
Transfer fee
880 JPY
Exchange rate(1 CNY JPY)
21.1657
Exchange rate markup
30 JPY

Cost of transfer
910 JPY

Rakuten 楽天銀行
378.99 CNY- 53.30 CNY
Transfer fee
1,750 JPY
Exchange rate(1 CNY JPY)
21.7682
Exchange rate markup
306 JPY

Cost of transfer
2,056 JPY

SMBC
303.92 CNY- 128.37 CNY
Transfer fee
3,500 JPY
Exchange rate(1 CNY JPY)
21.3874
Exchange rate markup
134 JPY

Cost of transfer
3,634 JPY

MUFG
186.91 CNY- 245.38 CNY
Transfer fee
6,000 JPY
Exchange rate(1 CNY JPY)
21.4005
Exchange rate markup
140 JPY

Cost of transfer
6,140 JPY

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How to send money to China in 3 easy steps

How much does it cost to transfer money to China?

Pay a small, flat fee and percentage

To send money in JPY to China, you pay a small, flat fee of 784 JPY + 0.96% 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
784 JPY
Variable feeup to 3,897,700 JPY/month
0.96%
Variable feemore than 3,897,700 JPY/month

How long will a money transfer to China take?

A money transfer from Japan (JPY) to China (CNY) should arrive by Tuesday, October 15. 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

JPY
CNY

Should arrive

by Tuesday, October 15

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

Best ways to send money to China

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.

See what the world’s largest publications have to say

Wired

Smart tech and sharp thinking are disrupting high-street banks

Financial Times

Wise is looking to use the internet to spark a digital revolution in current financial services

The Economist

Wise takes a machete to the hefty fees that banks levy to send money across borders

Send money to China from Japan 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.

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