Send money to China

Send money to China with Western Union. Transfer to bank accounts in major banks and to an Alipay*1 user as well. Receivers with qualifying accounts will get the deposit in minutes2.

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    FX: 1.00 AUD =


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    We encrypt your transfers

    We are committed to keeping your data secure

    We’ve sent money around the world for over 150 years

    Our best FX with $0 transfer fee for your first online transfer

    Convenient ways to send and receive money

    Choose the way you pay

    Using your bank details

    Cash at an agent location

    With a credit4 or debit card

    Ready to send money?

    Send money to China in a few taps with our app

    Send money to China instantly, or start on our app and pay in-store.

    Track your money transfer in real time, whether it’s going to Shenzhen, Guangzhou or elsewhere.

    Repeat transfers quickly to friends and family in China.

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    Rating as of July 2023.


    More information on how to send money to China from Australia

    Your first online money transfer is on us

    Complete your online profile to register, and enjoy 0 AUD transfer fees3 on your first online transfer to China. Get a free estimate anytime and without obligation to send money later.

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    Pay direct to major bank accounts in China

    Transfer money to China direct into accounts held by most major banks. These include Industrial & Commercial Bank, China Construction Bank, Agricultural Bank of China, Bank of China and more.

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    Reasons to choose Western Union to send money to China.

    Ease and convenience

    Transfer money from Australia to China the way that’s convenient for you: online, with our app, or in person at an agent location.

    Commitment to security

    Our encryption and fraud prevention efforts help protect your Western Union transfers to China.

    Fast and transparent

    Send money to China in minutes2 for cash pickup and track your money easily along the way.

    International reach

    Beyond sending money to China, we move money from Australia to more than 200 countries and territories and make an average of 25 transfers per second, globally.

    Sign up to send money to China today

    Quick and easy registration

    It’s easy to register and send money online to China 24/7.

    Pay the way you like

    Pay for your money transfer to China online through your bank account, with your credit4 or debit card, or with cash in-store.

    Track your transfer

    Use your unique tracking number (MTCN) to track your money transfer online or via our app and receive notifications when it arrives in China.

    Convenient locations

    Send money to China and your receiver can pick up the cash at more than 27,000 Western Union agent locations3 near them.

    Frequently asked questions

    What do I need to send money online to China?

    To send money to China online, you need the following information:

    • When you first register with Western Union, you’ll need government-issued ID to prove your identity. This could be your Australian driver’s license or passport. You must also be over 18.
    • Your receiver’s full name, as it appears on their ID, and address. For bank transfers, you also require their bank account number and branch name, alongside the purpose of the transfer.
    • Your credit4 or debit card, or a prepaid card issued by an Australian bank, to pay for the transfer to China.
    How do I send money to China from a Western Union agent location?

    Transferring money to China from Australia by using a Western Union agent location is quick and easy. Just follow these steps:

    1. Search for a Western Union agent location near you.
    2. Go to the counter with your valid government-issued ID and your receiver’s bank and account information.
    3. Arrange the money transfer to China and pay for it with cash or card.
    4. You’ll receive a Money Transfer Control Number (MTCN) on your receipt. Share this number with your receiver to track the funds and keep tabs on your transfer.
    How do I send money to an Alipay user in China?

    To send money to China via Alipay* accounts, follow these simple steps:

    1. Log in and click on ‘Send money now’.
    2. Choose your payment method.
    3. You will need to provide your receiver’s name and Alipay* ID (their mobile number).
    4. Select the purpose of your transfer and pay.
    5. Your transferred funds will be paid into your receiver’s Alipay* account.
    What receiver information do I need to send money to a China bank account?

    You need your receiver’s full name (as it appears on their ID), bank name and code, account name and number. In some cases, you might also be asked the purpose of your money transfer to China.

    How much money can I send online to China?

    The maximum limit to transfer money to China online is AUD $7,000. However, your specific daily transaction limit varies based on your chosen service and transfer history. Log in to your profile and you can see your daily transfer limits.

    How long does it take to send money to China from Australia?

    If you send money to China online via bank transfer it may take up to five days9. Real-time transfers to China are also available, while transfers to certain accounts can only be made during China bank processing hours (7.30pm to 9.45am Eastern Time)10, which can affect how long your transfer takes.

    When sending money to China for cash pick-up, once your transfer is complete and you have a receipt including a tracking number (MTCN), your receiver should be able to collect their money in minutes from the agreed agent location11.

    Still have questions?

    Need help sending money to China or have another question? Contact our Customer Care team or visit our FAQ page for more information.

    * For mobile transactions funds will be paid to receiver’s mWallet account provider for credit to account tied to receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions.

    Ant Group, its affiliates and the Alipay Brand (collectively, “Alipay”) are not licensed to provide remittance services in Australia. Alipay partners with Western Union which is licensed to conduct remittances in this market, to facilitate the receipt of the remittances in the receiving market powered by Alipay’s technology

    2 Real time transfers are available to accounts with an associated UnionPay debit card number beginning “62”. Transfers to certain accounts may only be sent during China bank processing hours from 7.30 pm to 9.45 am Eastern Time. For first time receivers’ transfers may be delayed as we may need additional information from the account holder.

    3 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any).

    4 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.

    5 Network data as of 30 September 2021.

    9 The initial transfer may take up to five days pending Receiver registration, with subsequent transactions to the same Receiver bank account number occurring within minutes.

    10 Real-time transfers are available to accounts with an associated UnionPay debit card number beginning “62”. Transfers to certain accounts may only be sent during China bank processing hours from 7.30 pm to 9.45 am Eastern Time. For first-time receivers, transfers may be delayed as we may need additional information from the account holder.

    11 Funds availability is subject to the terms and conditions of the service. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, agent location hours, differences in time zones, or selection of delayed options.