Send money to China from Hong Kong
- 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
- You could save up to 1,225.96 HKD
Send money to China from Hong Kong
- 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
- You could save up to 1,225.96 HKD
Save when you send money to China from Hong Kong
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.
 Hang Seng |  Wise |  HSBC HK |  Bank of East Asia | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 910.30 CNY | 886.34 CNY | 846.24 CNY | 703 CNY |
Exchange rate (1 HKDCNY) | 0.910304 | 0.915819 | 0.909939 | 0.912989 |
Exchange rate markup | 6.02 HKD | 0 HKD | 6.42 HKD | 3.09 HKD |
Transfer fee | 0 HKD | 32.19 HKD | 70 HKD | 230 HKD |
Total transfer cost | 6.02 HKD | 32.19 HKD | 76.42 HKD | 233.09 HKD |
We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.
How to send money to China from Hong Kong
Enter amount to send in HKD.
Pay in HKD with your debit card or credit card, or send the money from your online banking.
Choose recipient in China.
Select who you want to send money to and which pay-out method to use.
Send HKD, receive CNY.
The recipient gets money in CNY directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD 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 to China from Hong Kong with WISE
The best way to send Hong Kong dollar to Chinese yuan is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
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.
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.
How to receive money in China from Hong Kong
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.
Alipay
Alipay
To send a secure Alipay transfer your recipient must be a Chinese citizen with a Chinese resident ID card. You'll need their Alipay ID and email or mobile phone number. Learn more about Alipay transfers.
WeChat Pay
WeChat Pay
To send a WeChat Pay transfer your recipient must be a Chinese citizen, registered with a Chinese resident ID card. You'll need the recipient’s full name and WeChat ID. Learn more about WeChat Pay.
Cheapest way to send money to China from Hong Kong
The cheapest way to send HKD to China is by using money that's in your Wise account and costs 293.87 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
HKD
CNY
| Sending HKD | Transfer cost | ||
|---|---|---|---|
| Wise account | 293.87 HKD | ||
| Bank transfer | 296.99 HKD | ||
Fastest way to send money to China from Hong Kong
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.
HKD
CNY
| Sending HKD | Should arrive | ||
|---|---|---|---|
| Wise account | in seconds | ||
| Bank transfer | in seconds | ||
Send money to China from Hong Kong with the Wise app
Looking for an app to send money to China from Hong Kong? Sending money is easy with Wise app.
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.
Send money to China from Hong Kong with the Wise app
Looking for an app to send money to China from Hong Kong? Sending money is easy with Wise app.
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
