Cheapest way to send money to China · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Xoom | 1,325.56 CNY | 6.7318 CNY/USD |
| Instarem | 1,322.07 CNY (−0.26%) | 6.6103 CNY/USD |
| Remitly | 1,308.81 CNY (−1.26%) | 6.6098 CNY/USD |
| Western Union | 1,287.56 CNY (−2.87%) | 6.5025 CNY/USD |
| OFX | 1,257.3 CNY (−5.15%) | 6.4477 CNY/USD |
| Wise | 1,256.55 CNY (−5.21%) | 6.6551 CNY/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Instarem | 6,610.33 CNY | 6.6103 CNY/USD |
| Remitly | 6,596.64 CNY (−0.21%) | 6.6098 CNY/USD |
| Wise | 6,535.77 CNY (−1.13%) | 6.6551 CNY/USD |
| Western Union | 6,489.58 CNY (−1.83%) | 6.5025 CNY/USD |
| OFX | 6,415.48 CNY (−2.95%) | 6.4477 CNY/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Xoom wins at $200 and Instarem at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
More: PayPal fee calculator Stripe fees calculator Square fees calculator Venmo business fees Cash App business fees Stripe vs PayPal fees Square vs Stripe fees Venmo vs PayPal fees for getting paid Cheapest payment processor for small business Cheapest way to send money to Mexico Cheapest way to send money to India Cheapest way to send money to the Philippines Cheapest way to send money to the UK Cheapest way to send money to Europe (euro) Cheapest way to send money to Canada Cheapest way to send money to Nigeria Cheapest way to send money to Vietnam Cheapest way to send money to Colombia Cheapest way to send money to Brazil Cheapest way to send money to Pakistan PayPal goods and services fee How to avoid PayPal fees as a business Zelle for business fees Credit card processing fees compared eBay fee calculator Etsy fee calculator
Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000