Send money from USA to China
Comparing 4 providers for 1,000 USD → CNY
✓All providers licensed and regulated
Wise
Fee $13.54 · Rate 6.6781
CN¥6,588
your recipient gets
| Provider | Fee | Rate | Spread | Recipient gets† | Speed | Action |
|---|---|---|---|---|---|---|
WiseBest available Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | $13.54 | 6.6781 | +0.09% | CN¥6,587.73 | — | Send now |
Pay with: Debit card · Credit card · Bank transfer | $0.00 | 6.5672 | 1.58% | CN¥6,567.18 | — | Send now |
🎁 No fees on your first transfer Receive via: Alipay · Weixin (WeChat Pay) · bank deposit Pay with: Bank transfer · Debit card · Credit card · Apple Pay | $1.99 | 6.5233 | 2.23% | CN¥6,510.32 | 22h | Send now |
Receive via: Cash pickup · Bank account · Mobile wallet Pay with: Bank transfer · Debit card · Credit card · Cash (agent) | $30.02 | 6.5845 | 1.32% | CN¥6,386.83 | 1 day | Send now |
Delivery & payment details
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Pay with: Debit card · Credit card · Bank transfer
🎁 No fees on your first transfer
Delivery & payment details
Receive via: Alipay · Weixin (WeChat Pay) · bank deposit
Pay with: Bank transfer · Debit card · Credit card · Apple Pay
Delivery & payment details
Receive via: Cash pickup · Bank account · Mobile wallet
Pay with: Bank transfer · Debit card · Credit card · Cash (agent)
Updated November 4, 2026 at 08:35 AM UTC
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What we've measured on USD → CNY
Across 64 days of our own recorded quotes, the gap between the best and worst provider on this corridor has run at a median of 3.1% (widest single day: 3.3%). On a 1,000 USD transfer that is the difference between the best and worst choice.
The best provider has changed 2 times in that window, across 2 different providers (Wise has led on the most days). This corridor is genuinely competitive, so the cheapest option today may not be the cheapest next week.
Provider rates on this corridor are measured against the European Central Bank's daily euro reference rates.
Recipients in China can be paid via Alipay, Weixin (WeChat Pay), a bank account, cash pickup and a mobile wallet, based on what the providers above actually price for this corridor.
Figures come from our own append-only rate history, not from provider marketing. See the methodology and rate trends.
Sending USD from the United States
Money transfer companies operating from the United States are registered as Money Services Businesses (MSBs) with the Financial Crimes Enforcement Network (FinCEN) and are licensed as money transmitters at the state level. Senders typically pay by bank account (ACH), debit card or credit card, and larger transfers may require identity verification before they settle.
This page compares providers for the the United States → China corridor specifically, ranked by how much CNY your recipient actually receives after fees and the exchange-rate margin — not by the headline fee alone.
USD to CNY — Frequently asked questions
What is the cheapest way to send USD to CNY?
Wise currently offers the best value for USD → CNY, delivering 6,588 CNY for 1,000 USD. We rank by the total amount received after fees and exchange-rate markup, updated every 4 hours. Note that the lead has changed 2 times in the last 64 days across 2 providers, so today's winner is not a permanent answer — check before each transfer.
What is the current USD to CNY exchange rate?
The best available rate is 1 USD = 6.68 CNY via Wise. The reference (mid-market) rate is 6.67, taken from the European Central Bank's daily euro reference rates. Across 64 days of our own records, the spread between the best and worst provider on this corridor has run at a median of 3.1%. Rates are updated every 4 hours. Always confirm the final rate on the provider's site before sending.
Are there hidden fees when sending USD to CNY?
On this corridor the two costs split roughly 1.14% in visible fees and 1.28% in exchange-rate markup, averaged over the 4 providers here that publish a fee — so the markup is the larger part, about 53% of what you pay. 1 of them charge no fee at all on this corridor, which is exactly why fee alone is a poor guide. We rank by the amount your recipient actually receives, which captures both. Learn how fees work →
Can I send USD to a mobile wallet in China?
Yes. Several providers on this page pay out to Alipay and WeChat Pay in China. Choose your wallet as the delivery method at checkout on the provider's site — the recipient gets the money directly in their mobile-wallet balance, usually within minutes. Rankings above already account for the fee and exchange-rate markup, so the best value applies to wallet payout too.