Send Money to China
Here is some information for sending money to China:
Currency | Service | Fee | Transaction Limit | Arrival Time |
|---|---|---|---|---|
CNY | Bank Transfer | IDR 100,000 | CNY 10 - CNY 50,000 (personal) CNY 10 - CNY 1,000,000 (business) | same banking day for payments before 13:30 (GMT+7) |
CNY | Alipay | IDR 100,000 | CNY 10 - CNY 50,000 | 20 minutes for payments before 16:00 (GMT+7) |
CNY | WeChat Pay | IDR 100,000 | CNY 1 - CNY 50,000 (Chinese citizen) CNY 1 - CNY 30,000 (Hong Kong/Macau resident) | 20 minutes for payments before 16:00 (GMT+7) |
CNY | UnionPay | IDR 100,000 | CNY 100 - CNY 35,000 | 20 minutes for payments before 16:00 (GMT+7) |
USD | Bank Transfer | IDR 295,000 | USD 10 - USD 100,000 (personal) USD 10 - USD 1,000,000 (business) | same banking day for payments before 13:30 (GMT+7) |
USD | SWIFT | IDR 75,000 + IDR 330,000 (correspondent bank fee) | USD 1 - USD 100,000 | same banking day for payments before 12:00 (GMT+7) |
Can I send more than the stated amount in a day?
Yes, you can send more than the transaction limit stated above by providing relevant supporting documents and following the provided regulations:
For CNY:
Service | Regulations |
|---|---|
Bank Transfer (Normal Speed) | Recipients can receive up to CNY 1,000,000/year. |
Alipay | For transaction with family living expense, savings/send to self, and payroll/salaries purposes, your recipient can only receive max. 15 times/month (this limit is cumulative for those purposes and not limited to transactions made via Topremit). |
WeChat Pay | You can only send to 4 recipients/year and the transaction limit is set based on your recipient’s residence country. Check the complete WeChat Pay transaction rules and limits here. |
UnionPay | You can send up to CNY 70,000/day. - Recipients can receive up to CNY 355,000/year. |
Are there any requirements to send money to China?
For CNY:
- If you use Bank Transfer (Normal Speed), the recipient's full name registered in bank account must be in Chinese characters (example: 李小龙).
- If you use Alipay, WeChat Pay, or UnionPay, the recipient's full name registered in bank account must be in alphabet letters (example: Li Xiao Long).
- We only support sending to C2C, C2B, B2B, B2C.
- Transactions are only allowed for the following purposes:
- Purchase of goods, shipping fee, travel fee, IT services, and management consulting services are available for C2B, B2B, and B2C transactions.
- Education or tuition fee is available for C2B and B2B transactions.
- Payroll is available for B2C transactions.
- For further details, see here.
- Money will be received without cents.
For USD:
- If you use Bank Transfer (Normal Speed), the recipient's full name registered in bank account must be in alphabet letters (example: Li Xiao Long).
- If you use SWIFT, the recipient's full name registered in bank account must be in alphabet letters, including numbers if any (example: VentureTech 365 Ltd).
- If you use SWIFT, some recipient banks might charge a fee which will deduct the amount received.
Updated on: 06/07/2026
Thank you!