Send money to UnionPay

Send money to UnionPay from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

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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

by Monday

Total fees

Included in JPY amount

You could save up to 20,557 JPY

Send money to UnionPay

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

by Monday

Total fees

Included in JPY amount

You could save up to 20,557 JPY

See how much it costs to send money abroad

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 10,000 JPY with	Recipient gets(Total after fees)
	406.70 CNY
Transfer fee 704 JPY Exchange rate(1 CNY JPY) 0.0438 Exchange rate markup 0 JPY Cost of transfer 704 JPY

	348.87 CNY- 57.83 CNY
Transfer fee 1,750 JPY Exchange rate(1 CNY JPY) 0.0423 Exchange rate markup 334 JPY Cost of transfer 2,084 JPY

	280.76 CNY- 125.94 CNY
Transfer fee 3,500 JPY Exchange rate(1 CNY JPY) 0.0432 Exchange rate markup 127 JPY Cost of transfer 3,627 JPY

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Rakuten	SMBC
Recipient gets (Total after fees)	406.70 CNY	348.87 CNY	280.76 CNY
Exchange rate (1 CNYJPY)	22.8571	23.6478	23.1515
Exchange rate markup	0 JPY	334 JPY	127 JPY
Transfer fee	704 JPY	1,750 JPY	3,500 JPY
Total transfer cost	704 JPY	2,084 JPY	3,627 JPY

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This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to UnionPay in 3 easy steps

Enter amount to send in JPY.

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

Choose your recipient.

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

Send JPY, receive CNY.

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

Create free account now

What is UnionPay money transfer?

A UnionPay card money transfer can get money to friends and family in China easily and conveniently.

Wise provides UnionPay card money transfers to personal card holders, where the UnionPay account is in CNY, has been opened with a Chinese national ID, and supports UnionPay’s MoneyExpress service.

Wise UnionPay card money transfers are offered in 21 supported currencies, when the sender is based in a country where UnionPay can process payments, and the UnionPay card is aligned to an account with a Chinese bank that accepts incoming international transfers.

You can make a UnionPay card money transfer up to the value of 33,000 CNY per transaction. UnionPay card accounts can receive up to 10,000 USD or the CNY equivalent per day, or 50,000 USD per year. This total amount includes payments made through Wise and alternative services providing international transfers to UnionPay.

Learn more about using UnionPay card transfers.

Online money transfer fees

How much does it cost to send money to UnionPay?

To send money to UnionPay with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

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

Calculate how much you can save

Cheapest way to send money abroad

The cheapest way to send JPY to CNY is by using money that's in your Wise account and costs 12,001 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

CNY

Sending JPY	Transfer cost
Wise account	12,001 JPY

Bank transfer	12,108 JPY

Fastest way to send money abroad

A money transfer to UnionPay (JPY-CNY) should arrive by Monday. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

JPY

CNY

Sending JPY	Should arrive
Wise account	in seconds

Bank transfer	by Monday

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.

Send money to UnionPay

Send money to UnionPay

See how much it costs to send money abroad

How to send money to UnionPay in 3 easy steps

Enter amount to send in JPY.

Choose your recipient.

Send JPY, receive CNY.

What is UnionPay money transfer?

Online money transfer fees

How much does it cost to send money to UnionPay?

Cheapest way to send money abroad

Fastest way to send money abroad

See where Wise works

How we keep your money safe

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