Best Way to Send Money From the US to China (2026)
100+
Providers Compared
180+
Countries Covered
$2 Million+
Saved in Fees & FX
4
Hours Average Transfer Time
Best Way to Send Money From the US to China
May 5, 2026Affiliate links featured on this page may help us earn a commission. It's important to note that this does not influence the opinions and recommendations provided by our editors.
Americans sent more than $80 billion in personal remittances out of the country last year, according to World Bank data, making the US the world's single largest source of cross border money flows. Whether you are supporting family in China, paying a supplier abroad, or moving USD into CNY as an expat, the cost of that transfer matters a lot. Sending through the wrong channel can mean losing 4% to 6% of every dollar before it ever arrives.
The senders themselves are a mixed group. Many are first or second generation immigrants moving USD home each month to support parents, cover school fees, or fund a small construction project. Others are Americans living in China who keep ties to both countries. Freelancers, remote workers, and contractors paid in USD increasingly rely on online providers to convert earnings to CNY cleanly. Small businesses use the same routes to pay overseas staff and settle invoices priced in foreign currency.
What ties all of these use cases together is a need for a transfer service that is fast, fair, and clear about what it costs. The traditional banking system was not built for cross border transfers. When you send USD to China through Chase, Bank of America, Wells Fargo, or Citibank, you typically pay a $25 to $50 outgoing wire fee plus a 2% to 5% silent markup on the exchange rate. The fee is on your statement. The bigger cost, the FX margin, is invisible and almost never noticed. Specialist providers built specifically for the US to China corridor and similar routes have closed most of that gap.
This guide covers how to send money from the US to China the right way: how the main methods compare, which providers offer the best USD to CNY rate, what US banks actually charge, and how to choose the right option for your specific transfer. Whether you send a few hundred dollars a month or one large sum at year end, the goal is the same: get as much CNY to the recipient as possible, as fast as possible.
Quick overview: Sending money from the US to China
Before going section by section, here is a snapshot of what sending money from the US to China looks like in 2026: the typical USD to CNY rate, expected delivery times, and what each major provider does best on this corridor.
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About the Author
Mohammad Humaid
Verified Author
Mo is the founder of MoneyTransferStore. As an expat who has experienced the challenges of sending money across borders himself, he set out to help others like him avoid hidden fees and unfair exchange rates on international transfers. With a background spanning fintech, payments, and Web3, Mo brings years of practical experience to building a platform focused on transparency and trust.
Remitly Express or Xe (often same day or next day)
Currency pair
USD to CNY
Typical specialist time
1 to 3 business days
Typical US bank wire time
3 to 5 business days
Mid market rate reference
Google or XE.com
Average US bank FX markup
2% to 5% above mid market
US payment methods
ACH, debit card, credit card, US bank wire
Payout in China
Bank deposit, mobile wallet, cash pickup (varies by destination)
How can you send money from the US to China?
There are five main ways to move money from the US to China, and the right choice depends on amount, urgency, and how the recipient prefers to receive funds. Cost varies a lot between methods, so this is not a case where they are all roughly equivalent.
US bank wire transfer (Chase, Bank of America, Wells Fargo, Citibank): widely available but typically the most expensive route to China, with fixed fees and a 2% to 5% FX markup.
Specialist providers (Wise, Remitly, Xe): purpose built for international transfers to China and similar destinations, with transparent fees and near mid market USD to CNY rates.
Cash pickup networks (Western Union, Remitly): useful when the recipient in China does not have a bank account or needs CNY in person.
Mobile wallet payouts: increasingly common in markets like China where mobile money has reached mass adoption, particularly across Africa, Latin America, and parts of Asia.
ACH funded fintech apps (Wise, Remitly): the lowest cost route to China in most cases, debited directly from your US checking account.
For most US senders moving money to China, an ACH funded specialist provider is the sweet spot: low fees, near mid market USD to CNY rates, and no need to walk into a branch. The provider sections below break down which option fits which kind of transfer to China best.
Best way to send money from the US to China
For the vast majority of US senders moving USD to China, specialist providers beat banks on every metric that matters: exchange rate, fee, and delivery speed. The five providers below cover almost every realistic transfer scenario, from small monthly remittances to six figure one off sends, and from bank deposits to cash pickup.
Each provider has a different strength on the US to China route. Wise wins on rate transparency. Remitly leads on speed into China and remittance specific features. Xe is strongest on larger amounts and unusual currency pairs. CurrencyFair fits big one off transfers to China where the FX rate matters most. Western Union is the fallback when only physical cash in China will work for the recipient.
Wise was founded in 2011 by Estonian entrepreneurs Kristo Kaarmann and Taavet Hinrikus to fix exactly the problem this guide is about: opaque bank FX margins on cross border transfers. The company went public on the London Stock Exchange in 2021 under the ticker WISE, and now serves more than 16 million customers globally and processes over $100 billion in transfers annually. It is the benchmark for rate transparency on the US to China corridor.
Pricing on transfers to China is the simplest in the industry. Wise uses the mid market rate (the same USD to CNY rate you see on Google or XE.com) and charges a small fee on top, typically 0.4% to 1.5% depending on funding method and route. ACH is cheapest. Debit card is slightly more. Credit card is the most expensive option and may also trigger a cash advance fee from your issuer. Most Wise transfers settle in 1 to 2 business days, and a meaningful share clear within hours on major routes.
Wise is regulated in the US by FinCEN and holds money transmitter licences in 49 states plus DC, with the relevant authorisations for receiving in China. Customer funds are held in segregated accounts at large banks like JP Morgan Chase, separate from Wise's own operating capital, which limits risk if the company itself ever ran into trouble. If your priority is getting the best USD to CNY rate with full cost visibility on transfers to China, Wise is the default first option to compare.
Wise gives you the real exchange rate with a small transparent fee, so every transfer arrives with no hidden markup.
Mid market rate: no markup buried in the USD to CNY quote.
Transparent fee: shown upfront before you confirm.
Fast delivery: usually 1 to 2 business days, sometimes within hours.
Regulated in 49 states: FCA in the UK, FinCEN in the US, and equivalents elsewhere.
Multi currency account: hold USD and CNY side by side, useful for expats and freelancers.
Xe started in 1993 as a currency data tool and is still best known for the XE.com exchange rate site that millions of people check every day. It is now part of Euronet Worldwide, a US listed company that owns several major payments brands, and operates as a full money transfer service in addition to its data business. Xe supports more than 130 currencies and serves senders in more than 130 countries, including a strong presence on the US to China corridor.
Xe's fee structure is built around larger transfers. There is no fixed transfer fee on most US routes; the cost is folded into a small spread on the USD to CNY rate, typically 0.5% to 1% above mid market. Because the cost scales as a percentage rather than a fixed sum, Xe stays proportional even at $10,000, $50,000, or higher into China. That makes it well suited to property purchases in China, large family transfers, business payments to overseas suppliers, and any one off transfer above around $5,000 USD where rate quality matters most.
Xe is regulated by FinCEN in the US and holds the equivalent licences in the markets where it operates, including the local authorisation for paying out in China. The platform is clean, the app is well rated, and customer support is available by email and phone, which is a meaningful advantage when you are sending a large amount to China and want a real person to walk you through the verification or compliance step.
Xe is the right pick when you need an unusual currency pair or you are moving a larger amount of USD into CNY.
130 plus currencies, so even niche destinations are covered.
No fixed transfer fee on most routes; cost is in the rate spread.
Strong on transfers above $5,000, where percentage based pricing keeps total cost low.
Settles in 1 to 3 business days, often same day on major corridors.
Remitly is the largest US headquartered specialist focused specifically on remittances, including the US to China corridor. Founded in 2011 in Seattle and listed on Nasdaq under RELY since 2021, Remitly serves more than 7 million customers and processes north of $50 billion in annual transfer volume. The product is built for the realities of remittance senders rather than business banking: predictable fees, broad payout coverage in China including cash pickup, and a focus on delivery speed.
Most US to China routes offer two transfer tiers. Economy is slower (2 to 5 business days) and cheaper. Express is faster, often within minutes, and carries a slightly higher fee. On many corridors, Express transfers reach the recipient before the sender has logged out of the app. New customers usually qualify for a promotional USD to CNY rate on their first transfer, which can make Remitly cheaper than even Wise on a single send.
Remitly is regulated by FinCEN, holds money transmitter licences across all 50 US states, and covers more than 170 receiving countries with bank deposit, mobile wallet, and cash pickup options. For regular family remittance senders who care about delivery speed and broad payout options, it is one of the strongest all round choices serving the US to China route.
Remitly is built for repeat USD to CNY transfers to China and consistently delivers fast.
Express tier puts CNY into accounts in China in minutes on most corridors.
Economy tier offers a lower fee for senders to China who are not in a rush.
Bank deposit, mobile wallet, and cash pickup options across China.
Promotional rate often available on the first transfer to China.
CurrencyFair is a peer to peer currency exchange founded in Dublin in 2009. Instead of holding currency itself and quoting a spread, it matches buyers and sellers on its exchange and clears the resulting trade, which often produces a USD to CNY rate very close to the mid market rate. On a $20,000 transfer, an extra 0.5% on the rate is $100 more reaching the recipient, so this matters most on larger sends.
CurrencyFair is available to US senders and supports a solid set of major currency pairs, though its corridor coverage into China is narrower than Wise or Remitly. Settlement depends on whether your USD to CNY pair can be matched on the exchange, but most transfers complete in 1 to 3 business days. The platform is well established and holds the appropriate authorisations in the markets where it operates.
Western Union (Best for cash pickup in China)
Western Union has been moving money across borders since 1851 and runs the largest cash pickup network in the world, with more than 500,000 agent locations across 200 countries and territories. For recipients in China who do not have a bank account, who live in a rural or underbanked area, or who simply need CNY in hand the same day, Western Union is often the only reliable answer.
The trade off is cost. Western Union's fees and USD to CNY rates are generally higher than digital specialists, particularly on smaller transfers. For cash in hand delivery in remote parts of China, though, it provides a service that purely digital providers cannot match. If the recipient has a bank account and is not in a rush for cash, Wise or Remitly will almost always be cheaper. Reserve Western Union for the situations where physical cash pickup in China is a real requirement.
Match the provider to the kind of transfer you are making.
Best USD to CNY rate: Wise.
Fastest into China: Remitly Express or Xe same day.
Largest USD transfers: Xe or CurrencyFair.
Cash pickup in China: Western Union or Remitly cash.
Traditional US banks (usually not recommended)
Most Americans default to their bank for international transfers because it is familiar and everything is in one place. Chase, Bank of America, Wells Fargo, and Citibank all offer wires from the US to China. The combination of fixed fees, hidden FX markup, and slow delivery makes them a costly choice in almost every realistic scenario.
High fees on US bank wires to China
US banks charge fixed outgoing international wire fees regardless of how much you are sending. Published rates as of 2026 look roughly like this: Chase charges $40 to $50 per international wire, Bank of America charges $35 to $45, Wells Fargo charges $25 to $40, Citibank charges $35 to $45. These fees apply whether the transfer to China is $500 or $50,000. On smaller transfers, the fee alone can be 5% to 10% of the principal.
On top of the sending fee, receiving banks in China often charge their own incoming wire fee, typically the equivalent of $10 to $25 in CNY. Intermediary banks add another layer: SWIFT wires usually route through one or more correspondent banks before reaching the recipient, and each can deduct its own fee. These deductions are rarely disclosed upfront, which is why recipients in China often see less CNY land than expected with no clear explanation from the sending bank.
Bad USD to CNY exchange rates
The wire fee is the visible cost. The exchange rate markup on USD to CNY is the invisible one, and it is usually larger. US banks apply their own rate to transfers heading to China, with a margin baked in above the mid market. That margin typically runs 2% to 5% depending on the corridor and the bank, with smaller and less common currencies attracting wider markups. It does not appear as a separate line on your statement; it just shows up as a slightly worse USD to CNY rate than the one you looked up. Most senders never notice it.
On a $1,000 wire from a major US bank, the all in cost is usually $45 to $95 once fees and the FX markup are counted.
Outgoing US wire fee: $25 to $50.
FX markup on USD to CNY: 2% to 5% above mid market, applied silently.
Receiving bank fee: often the equivalent of $10 to $25.
Intermediary bank deductions: rarely disclosed, eat further into the CNY amount.
The same $1,000 sent via Wise typically costs $8 to $10 all in, with the recipient receiving meaningfully more CNY.
Slow transfer times to China
International bank wires from the US to China typically take 3 to 5 business days to land. They route through SWIFT, which is essentially a messaging network, not a settlement system. Each correspondent bank in the chain has to receive the message, run its own compliance check, and pass the funds onward. Weekends and public holidays in either the US or China extend the timeline further. Bank cut off times mean a wire submitted at 4pm on a Friday can effectively sit until Monday before it begins moving.
SWIFT routing through multiple correspondent banks adds processing time at each step.
Compliance checks at correspondent banks can cause unexpected delays before CNY reaches the recipient.
Bank cut off times push transfers back a full business day if missed.
Real time tracking is rare on US bank wires to China, so you often do not know where the money is sitting.
Real cost comparison
The comparison below shows the typical all in cost of sending $1,000 from the US to China. Figures vary by exact corridor but the relative ranking is consistent across almost every route.
Provider
Fee
FX markup
Total cost on $1,000
Speed
US bank wire
$25 to $45 fixed
2% to 5% above mid market
Around $45 to $95
3 to 5 business days
Wise
Around 0.8% variable
Mid market USD to CNY (no markup)
Around $8 to $10
1 to 2 business days
Remitly
$0 to $3.99
Small spread on USD to CNY
Around $5 to $15
Minutes to 5 days, tier dependent
Xe
$0
Small spread on USD to CNY
Around $10 to $20
1 to 3 business days
The gap is substantial. On a single $1,000 transfer to China, switching from a US bank wire to Wise or Remitly typically saves $35 to $85 and pushes more CNY into the recipient's account. For someone sending money home every month, that is between $420 and $1,020 a year that stays with the family rather than the bank.
Cash pickup in China: when it makes sense
Cash pickup is the right choice when the recipient does not have a bank account, when they need CNY immediately and in physical form, or when they live in an area without reliable banking infrastructure. The World Bank estimates that around 1.4 billion adults globally are still unbanked, so this is not a niche scenario; it remains a real, regular use case in many remittance corridors.
How cash pickup to China works step by step
The flow is straightforward for both the US sender and the recipient in China.
The US sender starts the transfer online or in the app and selects cash pickup in China as the payout method.
The sender pays in USD via ACH, debit card, or credit card and receives a transaction reference number (sometimes called an MTCN).
The reference number is shared with the recipient, usually by message.
The recipient walks into a participating agent location in China with photo ID and the reference number.
The agent pays out the equivalent CNY amount in cash.
Cash pickup in China is not always the cheapest
Cash pickup to China carries higher fees and slightly worse USD to CNY rates than digital bank deposit transfers. The premium pays for the physical agent network and instant cash availability. If the recipient in China has a bank account and there is no urgency for physical cash, a bank deposit transfer via Wise or Remitly will almost always be cheaper, and more CNY reaches the recipient.
Cash pickup makes sense in three situations.
The recipient is unbanked and needs cash they can use immediately.
There is genuine urgency: the money is needed the same day.
The recipient lives somewhere with patchy or unreliable digital banking.
If none of those apply, a bank deposit transfer via Wise or Remitly is a better outcome.
How to find the best way to send money from the US to China
Choosing the right service is not just about picking the lowest advertised fee. The real cost is always the combination of the fee and the exchange rate, and the right provider varies by amount, urgency, and how the recipient wants to receive funds.
Start with total cost, not zero fee claims
Some providers advertise zero fees, which sounds compelling but can be misleading. A provider that charges no fee but uses a worse USD to CNY rate may cost you more overall than one that charges a small transparent fee with the mid market rate. The only meaningful number is the CNY amount that actually arrives in the recipient's account.
Look at the exchange rate offered versus the mid market rate on Google or XE.com.
Compare the CNY the recipient actually receives, not the USD fee charged.
Always check at least two or three providers before confirming any transfer.
Choose the right payout method in China
The payout method affects both cost and speed inside China. Bank deposit is usually cheapest for recipients with accounts. Mobile wallets are increasingly fast and cheap in markets where mobile money has achieved mass adoption, including across parts of East Africa, Southeast Asia, and Latin America. Cash pickup in China is the most expensive option but the only realistic one in some corridors.
Bank deposit in China: cheapest for recipients with accounts; 1 to 3 days on most corridors.
Mobile wallet in China: fast and cheap where mobile money is widely used.
Cash pickup in China: higher cost but essential when the recipient is unbanked or needs physical CNY.
Speed vs maximum CNY value
Faster delivery into China costs more. Remitly's Express tier is quicker but carries a higher fee than Economy. Debit card funding is faster than ACH but more expensive. The right trade off depends on how urgently the recipient needs the money and how much you are willing to pay for that speed.
If speed into China is critical: Remitly Express, Xe same day, or fund via debit card.
If value matters most: ACH funded Wise transfer to China; accept 1 to 2 business days.
For regular sends to China: set up recurring ACH on Wise or Remitly for the lowest cost.
Your US payment method affects price and timing
ACH is the cheapest funding method on every major platform. Debit cards are faster but slightly more expensive. Credit cards are the most expensive option and usually trigger a cash advance fee from the issuer, which adds cost on top of the transfer fee. Plan your funding method around how soon the recipient actually needs the CNY.
ACH bank transfer: lowest cost; 1 to 3 business days to fund.
Credit card: highest cost; may trigger cash advance fees from your issuer.
US bank wire: available on some platforms; useful for very large one off USD sends.
Match the provider to your transfer type
Different providers are optimised for different use cases. Matching the provider to the transfer type saves both money and time.
Regular family remittance to China: Remitly or Wise, with ACH and recurring scheduling.
Large one off transfer: Xe or CurrencyFair, where percentage based pricing keeps the cost low.
Unusual currency or destination: Xe with 130 plus currencies covered.
Cash pickup required: Remitly cash or Western Union.
Rate transparency matters most: Wise with mid market rate and itemised fee.
Always compare the CNY received in China
The only number that ultimately matters is the CNY the recipient in China receives. Every provider shows this figure before you confirm, so spend a minute checking two or three options on the same day at the same USD amount. USD to CNY rates move continuously through the day, sometimes by 0.5% in either direction, so compare at the same moment for an accurate read on the US to China corridor.
Once you have found a provider that works for your setup on the US to China corridor, stick with it for regular sends. Most platforms offer rate alerts, recurring transfer scheduling, and loyalty benefits. The goal is not the cheapest single transfer but a reliable, low cost habit that consistently moves more CNY to the people who need it in China.
FAQs: Sending money from the US to China
What is the cheapest way to send money from the US to China?
The cheapest way is almost always a specialist provider funded via ACH. Wise uses the mid market rate and charges a small transparent fee, usually 0.5% to 1.5% on most US to China routes. Remitly Economy is also very competitive, particularly for new customers who often qualify for a promotional USD to CNY rate on their first transfer.
Avoid US bank wires to China, which add a $25 to $45 fixed fee plus a 2% to 5% FX markup. The combined cost on a $1,000 wire is typically $45 to $95, versus around $8 to $10 with Wise. Compare two providers on your exact amount before sending: the CNY that lands can vary by tens of dollars even on smaller transfers.
How long does an international transfer from the US to China take?
Most specialist transfers settle in 1 to 3 business days. Remitly Express can deliver to China in minutes on many corridors, while Xe usually clears in 1 to 3 business days and Wise typically settles in 1 to 2.
US bank wires to China are slowest at 3 to 5 business days because they route through SWIFT and several correspondent banks. Funding method also matters: ACH takes 1 to 3 days to clear before the CNY can leave for the recipient, while debit card funding triggers the transfer instantly.
Is it safe to use an online provider to send money from the US to China?
Yes. Wise, Remitly, and Xe are all regulated by FinCEN in the US, hold money transmitter licences across all or nearly all 50 states, and are subject to the same Bank Secrecy Act and AML obligations as US banks. Customer USD funds are held in segregated accounts at established banks, separate from the company's own operating capital.
All three are publicly listed or part of large publicly listed groups, are independently audited, and use bank grade encryption on transfers to China. Tens of millions of senders use them every month, including a large volume on the US to China corridor.
Do I need to verify my identity to send USD to China from the US?
Yes. Every regulated provider serving the US to China corridor must run identity checks under US Bank Secrecy Act and AML rules. You will typically be asked for your full name, date of birth, US address, and Social Security number. For larger transfers, you may also be asked for a government issued photo ID and proof of source of funds.
Verification is usually completed online in a few minutes for most US senders, although larger transfers can require a manual review that takes longer. Sanctions screening against OFAC lists is also automatic on every transfer.
Can I send money from the US to China from any provider?
Most major specialist providers serve the US to China corridor and the bulk of other destinations. Wise covers more than 80 countries from the US, Remitly covers more than 170, and Xe handles 130 plus currencies.
A small number of countries are restricted due to US sanctions or local regulation. If you are unsure whether a particular provider fully supports the US to China corridor, search China on the provider's site before signing up: the route either appears with a live USD to CNY rate or is flagged as unavailable.
What is the best USD to CNY exchange rate for transfers to China?
The best USD to CNY rate available to senders to China is the mid market rate, the same rate you see on Google or XE.com when you search USD to CNY. Wise uses this rate directly with a small transparent fee on top, which is why it consistently scores best on rate transparency for transfers to China.
Other specialist providers add a small spread on the US to China route, typically 0.4% to 1.5%. US banks add 2% to 5%, which is why bank wires to China are usually the worst option. The mid market USD to CNY rate also moves throughout the day, so the timing of when you confirm matters on larger transfers to China.
How much can I send from the US to China in a single transfer?
Most specialist providers serving China allow transfers up to roughly $1 million USD per send for fully verified accounts, with daily and rolling limits that vary by provider and corridor. Wise has corridor specific caps for the US to China route. Xe can handle very large amounts and is often the right choice for six figure sends.
Larger transfers may require additional documentation under US AML rules, including proof of source of funds. If you are sending more than $10,000 USD to China, contact the provider's support team in advance to confirm the process and avoid surprise compliance holds.
What is the difference between a US wire transfer and a bank transfer?
A US wire transfer is a direct, same day movement of USD between banks, usually for a fixed fee of $25 to $50, and on the route to China it goes through SWIFT and multiple correspondent banks. A regular US bank transfer (ACH) moves USD between US accounts in 1 to 3 business days for free or a low fee.
ACH is most often used to fund a specialist provider, which then handles the USD to CNY conversion and delivery. ACH funded specialist transfers to China are almost always cheaper and faster than direct US bank wires.
Do US banks offer transfers to China?
Yes. Chase, Bank of America, Wells Fargo, Citibank, and most other major US banks support outgoing international wires, typically through their online banking platform or in branch.
The catch is cost: a fixed wire fee of $25 to $50 plus a 2% to 5% FX markup on USD to CNY, with delivery in 3 to 5 business days. For most senders moving USD to China, a specialist provider is significantly cheaper, faster, and gives a better USD to CNY rate.
What happens if my international transfer is delayed?
Delays on transfers from the US to China usually have one of four causes: a public holiday in either country, a compliance check at a correspondent bank, an issue with the recipient's bank details, or unusually high volume. Specialist providers track each transfer in the app and notify you of any hold up.
If your transfer is significantly behind the quoted estimate, contact support with the transaction reference. They can identify which step is delayed, whether the funds are held at a US correspondent or at a bank in China, and confirm next steps.
Can I cancel a money transfer from the US?
Yes, in most cases. Under the US Consumer Financial Protection Bureau's remittance rule, US senders can cancel a transfer to China within 30 minutes of paying, as long as the CNY has not yet been picked up or deposited.
After that 30 minute window, cancellation depends on the provider and how far the transfer has progressed. If the funds have already settled in the recipient's account in China, the only route is to ask the recipient to send them back, which means a second transfer and a second set of fees. Always double check the recipient's name and bank details before confirming.
Is Wise available to use in the US?
Yes. Wise is fully available in all 50 US states for transfers to China and most other destinations. It is regulated by FinCEN and holds money transmitter licences across all 49 states plus DC.
US residents can fund Wise transfers to China via ACH, US bank wire, debit card, or credit card, and can also open a Wise multi currency account that holds USD, CNY, and dozens of other currencies in one place. For most senders to China, Wise is the default first option to compare against.
Should I use Remitly Express for sending CNY to China?
Use Express for sends to China when speed matters more than the lowest possible fee. Express delivery is often within minutes, particularly when the recipient receives via mobile wallet or cash pickup. The fee is slightly higher than Economy, but for emergencies and time sensitive support to family in China, the speed is worth the small premium.
If the recipient can wait 2 to 5 business days, Economy is cheaper, with the same underlying USD to CNY rate.
What does Wise typically charge to convert USD to CNY?
Wise's fee on the US to China corridor is usually between 0.4% and 1.5% of the amount sent, depending on funding method and route. ACH is cheapest. Debit card adds a small premium. Credit card is the most expensive funding method and may also trigger a cash advance fee from the issuer.
The exchange rate itself is the mid market USD to CNY rate, with no hidden markup. The exact fee is shown upfront before you confirm, so you always know the all in cost before the money leaves your account.
How does Xe handle USD to CNY for transfers to China?
Xe charges no fixed fee on most US to China routes. The cost is built into a small spread on the USD to CNY rate, typically 0.5% to 1% above mid market. That structure makes Xe especially efficient on larger transfers, where a percentage based cost stays proportional even at $50,000 or more.
Delivery into China is usually 1 to 3 business days, and same day USD to CNY settlement is available on a number of major routes. For unusual currency pairs and very large transfers, Xe is often the right pick.
Sending money from the US to China does not have to be expensive or slow. Specialist providers have made USD to CNY transfers faster, cheaper, and more transparent than ever before. Whether you are supporting family in China, paying an invoice, or moving USD as an expat, the right provider gets more CNY to the recipient on every send. Spend a minute comparing rates across Wise, Remitly, and Xe before your next transfer to China. The difference adds up.
