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Estimating costs is easier when you can convert to and from Chinese yuan (CNY). This page explains how to convert quickly and what to watch for.
How to convert
- Use a converter with the current mid-market rate as your reference.
- For sending money, compare the all-in cost (fee + rate), not just the headline fee.
- Remember that the rate you see on a converter is a reference, not necessarily the rate a provider will give you.
What affects the rate you get
| Factor | Effect |
|---|---|
| Provider margin | A worse-than-market rate hides a cost |
| Fixed fees | Matter more on small transfers |
| Transfer speed | Faster sometimes costs more |
| Method (card vs bank) | Different fees and limits |
Quick budgeting
- Convert your usual monthly budget into CNY at the mid-market rate.
- Add a buffer for rate movement.
- Compare two providers for the total CNY your recipient receives.
Sending money to China
For regular transfers, an online transfer service is often cheaper than a bank wire, using the mid-market rate plus a small fee. Always verify the current rate and that the service supports transfers to your Chinese bank.
VisChat may earn a commission from some links at no extra cost to you. Rates change constantly — always check the live rate before you send.