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Send money to UnionPay

Send money to UnionPay from our website or mobile app, in just a few clicks. Join over 12.8 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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Regulated by Central Bank of Malaysia
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Trusted by 12.8 million customers
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 Rate guaranteed (57h)

  • Bank transfer fee

    0 MYR

  • Our fee

    19.24 MYR

Total included fees (0.96%)

19.24 MYR

  • You could save up to 174.34 MYR

Should arrive by Monday

Save on exchange rate markups

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 MYR withRecipient gets(Total after fees)
Wise
1,571.25 CNY
Transfer fee
30.93 MYR
Exchange rate(1 MYR CNY)
1.62140
Exchange rate markup
999.54 MYR
Cost of transfer
1,030.47 MYR
Public Bank
1,546.08 CNY- 25.17 CNY
Transfer fee
32 MYR
Exchange rate(1 MYR CNY)
1.59719
Exchange rate markup
999.55 MYR
Cost of transfer
1,031.55 MYR
CIMB Bank
1,532.80 CNY- 38.45 CNY
Transfer fee
10 MYR
Exchange rate(1 MYR CNY)
1.54828
Exchange rate markup
999.56 MYR
Cost of transfer
1,009.56 MYR
Maybank
1,482.30 CNY- 88.95 CNY
Transfer fee
66.74 MYR
Exchange rate(1 MYR CNY)
1.58831
Exchange rate markup
999.55 MYR
Cost of transfer
1,066.29 MYR
Show more providers
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How to send money to UnionPay in 3 easy steps

Start your transfer.

Enter amount to send in MYR

Pay in MYR with your chosen payment method.

Get the best rate out there.

Choose recipient

Select who you want to send money to.

Money is locally delivered.

Send MYR with a chosen payment method, and receive IDR to UnionPay

The recipient gets money in IDR 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 18,000 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

How long does a money transfer to UnionPay take?

A money transfer to UnionPay (MYR-IDR) 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.

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

MYR
IDR

Should arrive

by Monday

Wise works nearly everywhere

  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Trust Wise with safe & secure money transfers

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 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.

Works well never had a problem

Peter Clarke

Perfection

MA

the best bank out there

João
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