You can receive money in minutes1 and in the way that is convenient to you:
Collect your cash in person by visiting any of our 27,000+ agent locations 2.
If you’re a resident of China, you can receive money online via our bank partner’s online and mobile banking services, after registering your profile with the bank.
Receive money directly in your bank account.
Simply choose your preferred method and follow our step-by-step guide:
With 27,000+ agent locations2 in China, you can always find one near you.
Residents of China can receive money quickly and conveniently through our partner banks’ online channels.
Get your money transfer sent directly to your bank account.
Provide the sender with your bank account details3. This includes:
How to receive money
For customers receiving money in their bank account for the first time, in accordance with relevant regulatory requirements in China, Western Union will match and validate the customer’s personal information in the system before funds can be deposited into a bank account. Therefore, the receiver needs to either:
The following information needs to be provided for the validation process:
In the second and subsequent times using this service, the same receiver with the same bank account will receive money directly into the appointed bank account in minutes4.
Note: overseas sender can send money to their own bank account in China.
Which are the acceptable IDs to receive money in China?
You’ll need to present one of the following government-issued ID:
Acceptable IDs are subject to the banking laws and regulations of China.
How much does it cost to receive money?
The receiver pays no agent fees to receive money. All agent fees are paid by the sender.
What is a money transfer control number (MTCN)?
It’s the unique number assigned to your transfer.
You will need this number when you go to pick up your money, and also to track your transfer.
Which online services can I use to receive money in China?
You can receive money through the following Western Union partner banks via online or mobile banking:
Which Western Union partner banks can I visit to receive money in person?
You can walk in to our following partner banks to receive money in person:
In China, a bank account may be required by the bank for receiving money in cash.
Please consult the local bank location for more details. Overseas sender can send cash without a bank account.
Please note: Western Union agents are also banks in China who are subject to local regulations, risk control and bank compliance requirements. Some restriction has been recently implemented by WU bank agents on money transfer service to and from selected countries and their passport holders according to the guidance from local regulator and bank risk control. Please check with your WU bank agent location for more details before sending or receiving money.
1 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, 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. Additional restrictions may apply. See Terms & Conditions for details.
2 Network data as of 30 September 2018.
3 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to the account number you provide. The receiver's account must be a local currency payout account.
4 Qualifying accounts must have an associated UnionPay debit card number beginning with ‘62’. Transfers to certain accounts may only be available during China bank processing hours, which are 7.30am to 9.45pm China Standard Time. Funds sent to a first-time receiver may be delayed until WU receives additional required information from the account holder. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, 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. Additional restrictions may apply. See Terms and Conditions for details4.