International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
- Connected bank account (ACH) fee3.39 USD
- Our fee16.79 USD
- You could save up to 57.05 USD
Should arrive in seconds
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.
 Wise |  Bank of America | |
|---|---|---|
Recipient gets (Total after fees) | 14,183.17 CNY | 13,793.28 CNY |
Exchange rate markup | 0 USD | 77.23 USD |
Exchange rate (1 USDCNY) | 7.17365 | 6.89664 |
Transfer fee | 22.88 USD | 0 USD |
Total transfer cost | 22.88 USD | 77.23 USD |
How to send money internationally from China
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
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
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.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Best ways to send money internationally with WISE
The best way to send United States dollar to Chinese yuan is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a 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.
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.
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.
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.
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.
How to receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
IBAN
You can make easy IBAN transfers from both inside and outside Europe. All you need is the recipient’s name and account details. Learn more about IBAN transfers.
Swift
To send a quick and secure Swift payment, all you'll need is your recipient’s IBAN number. It’s that easy. Learn more about Swift payments.
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money abroad from
The cheapest way to send 2,000 USD to CNY is from a Wise balance and costs 16.43 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
USD
CNY
| Sending 2,000 USD | Transfer cost | ||
|---|---|---|---|
| Wise balance | 16.43 USD | ||
| Direct debit | 20.18 USD | ||
| Bank transfer | 22.88 USD | ||
| Debit card | 87.32 USD | ||
| Credit card | 121.08 USD | ||
| Apple pay | 139.28 USD | ||
| Google Pay | 139.28 USD | ||
Fastest way to send money abroad from
Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
USD
CNY
| Sending 2,000 USD | Should arrive | ||
|---|---|---|---|
| Wise balance | in seconds | ||
| Direct debit | in seconds | ||
| Bank transfer | by Tuesday | ||
| Debit card | in 30 minutes | ||
| Credit card | in 30 minutes | ||
| Apple pay | in 30 minutes | ||
| Google Pay | in 30 minutes | ||
Send money with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Do more with Wise in China
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
