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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 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.

Read more
  • 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
 Rate guaranteed (8h)
  • Wire transfer fee
    6.11 USD
  • Our fee
    51.63 USD
Total included fees (1.01%)
57.74 USD

Should arrive in 2 hours

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.

Read more
  • 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
 Rate guaranteed (8h)
  • Wire transfer fee
    6.11 USD
  • Our fee
    51.63 USD
Total included fees (1.01%)
57.74 USD

Should arrive in 2 hours

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
Wise
Wise
Bank of America
Bank of America

Recipient gets

(Total after fees)

6,916.75 CNY6,772.65 CNY

Exchange rate

(1 USDCNY)

7.042106.77265

Exchange rate markup

0 USD38.26 USD

Transfer fee

17.80 USD0 USD

Total transfer cost

17.80 USD38.26 USD
Show more providers
This applies when you pay in via bank transfer. How do we collect this data?

How to send money to UnionPay in 3 easy steps

Start your transfer.

Enter amount to send in USD.

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

Get the best rate out there.

Choose your recipient.

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

Money is locally delivered.

Send USD, 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 USD to CNY is by using money that's in your Wise account and costs 51.26 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

USD

CNY

Sending USDTransfer cost
Bank transfer57.74 USD
Direct debit61.37 USD

See where Wise works

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.

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