How to send money to China from abroad (2026): methods, limits and documents
Sending money to family in China is simple once you know three things: how the recipient will receive it, what details you need, and the yearly conversion quota on the Chinese side.
1. Choose the payout method
| Method | Good for | Watch out for |
|---|---|---|
| Chinese bank card (UnionPay) | Most transfers, larger amounts | Use a full-function Type I account; Type II/III accounts have receiving limits |
| Alipay / WeChat | Fast, smaller amounts | Per-transfer and yearly caps; only on some providers and currencies |
| Bank wire in foreign currency | When a document trail is required | The recipient must convert it; intermediary deductions |
2. Get the recipient details right
- The recipient's name exactly as registered with their bank, in Chinese characters or pinyin as the provider asks.
- Bank card number and bank name; some providers also ask for the recipient's Chinese ID number and phone number.
- A clear purpose, such as family support, salary or tuition.
3. Know the USD 50,000 quota
Individuals in mainland China have a USD 50,000-equivalent yearly quota (calendar year) for converting foreign currency into CNY, and a separate one for buying foreign currency. Amounts above it need proof of genuine purpose. Never split a transfer across other people's quotas; that breaks the rules and can get accounts flagged.
4. Compare the amount received
For example, at the ECB reference rate on 2026-10-07 (1 USD = 6.7046 CNY), a 1% markup on 1,000 USD costs the recipient about 67.05 CNY. Use the route pages below to compare live:
5. Timing
Digital services usually deliver within minutes to 2 business days; bank wires take 2–5 business days. Chinese public holidays (Spring Festival, National Day) delay bank processing, so send early if there's a deadline.
Frequently asked questions
Can I send money to someone's Alipay?
Some international providers can pay out to a verified Alipay or WeChat account. Caps apply, so larger amounts are better sent to a bank card.
Is there a limit on money sent to China?
The transfer itself is usually not capped, but recipients' conversions into CNY count against a USD 50,000-equivalent yearly quota.
What name format should I use?
Use the name exactly as on the recipient's bank account. Providers specify whether they want Chinese characters or pinyin.