Regency FX is the cheapest way to send money from the United Arab Emirates to China. Sending 25,000 AED will get you 45,576.04 CNY at 1.8230 CNY per AED.
We’ve compared 7 services and apps below in more detail.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 25,000 AED transfer Best companies for AED/CNY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 341.79 1 AED = 1.8280 CNY 0.00% vs mid-market | Recipient gets ¥45,074.47 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 341.791 AED = 1.8280 CNY ¥45,074.47You payAED 25,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8038 CNY +1.33% vs mid-market | Recipient gets ¥45,095.00 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8038 CNY ¥45,095.00You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to China deals for 25,000 AED. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AED to CNY rates. | |||
Run a live search These companies offer multi-currency accounts for spending CNY. We suggest doing a live search based on how much AED you're planning to spend in China. | |||
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8230 CNY +0.27% vs mid-market | Recipient gets ¥45,576.04 Minutes - 24 hours | |
Ways to receive money in China with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8230 CNY ¥45,576.04You payAED 25,000.00 | |||
 TorFx Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8225 CNY +0.30% vs mid-market | Recipient gets ¥45,562.33 Minutes - 24 hours | |
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8225 CNY ¥45,562.33You payAED 25,000.00 | |||
 OFX Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8188 CNY +0.50% vs mid-market | Recipient gets ¥45,470.93 Minutes - 24 hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8188 CNY ¥45,470.93You payAED 25,000.00 | |||
| Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8038 CNY +1.33% vs mid-market | Recipient gets ¥45,095.00 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8038 CNY ¥45,095.00You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 341.79 1 AED = 1.8280 CNY 0.00% vs mid-market | Recipient gets ¥45,074.47 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 341.791 AED = 1.8280 CNY ¥45,074.47You payAED 25,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee AED 0.00 1 AED = 1.8024 CNY +1.40% vs mid-market | Recipient gets ¥45,059.63 Minutes - 2 days | |
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 AED = 1.8024 CNY ¥45,059.63You payAED 25,000.00 | |||
 TapTap Send Pay via Debit card | Fee AED 0.00 1 AED = 1.7800 CNY +2.66% vs mid-market | Recipient gets ¥44,500.00 Minutes | |
Ways to receive money in China with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin Free1 AED = 1.7800 CNY ¥44,500.00You payAED 25,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 AED = 1.7800 CNY ¥44,500.00You payAED 25,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 AED = 1.7800 CNY ¥44,500.00You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 1.8280 CNY Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 45,576.04 CNY on AED 25,000.
You have 2 ways to pay, including bank transfer and debit card.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
How much AED you send to China heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| AED 3,500 | 0.65% | AED 0.00 | ¥6,356.34with bank transfer to bank deposit | +¥66.69 | |
| AED 7,500 | 0.65% | AED 0.00 | ¥13,620.74with bank transfer to bank deposit | +¥124.36 | |
| AED 25,000This page | 0.27% | AED 0.00 | ¥45,576.04with bank transfer to bank deposit | +¥384.84 | |
| AED 50,000 | 0.27% | AED 0.00 | ¥91,152.22with bank transfer to bank deposit | +¥718.05 | |
| AED 200,000 | 0.25% | AED 0.00 | ¥364,681.01with bank transfer to bank deposit | +¥2,486.38 | |
| AED 350,000 | 0.25% | AED 0.00 | ¥638,192.47with bank transfer to bank deposit | +¥4,328.05 | |
| AED 1,000,000 | 0.20% | AED 0.00 | ¥1,824,324.04with bank transfer to bank deposit | +¥12,903.74 |
Mid-market rate: 1 AED = 1.8280 CNY
7 companies send money from the UAE to China, split between broker, online, app, global account, and multi-currency account, and more.
For frequent transfers home
If you send CNY home monthly, money transfer apps like Xe are the easiest with good AED/CNY rates.
Botim, Careem Pay, and e& money are convenient but Xe is cheaper.
On AED 25,000 transfer it will get you 45,095 CNY in minutes - 24 hours (after 0 fee and 1.33% markup).
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to China now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 5,000 to China is usually cheaper with online money transfer services like Xe.
Xe gets you 45,095 CNY on AED 25,000 transfer, with a AED 0 fee and 1.33% markup.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Regency FX charges no fee and adds 0.27% on AED/CNY exchange rate with someone on the phone guiding you through the process.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or CNY side by side.
This is useful if you’re getting paid in CNY, or travelling to China.
I’d suggest Wise for this.
Wise converts 45,095 CNY at 0% markup and holds it until you send or spend it, and gives you account details to receive CNY.
We've covered this in more detail in our guide to multi-currency accounts.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 45,576.04 CNY.
You can pay in AED by bank transfer and debit card.
In China, the recipient can receive CNY through bank deposit, mobile wallet, and card deposit.
They can receive money via bank deposit, mobile wallet, and card deposit.
You pay .د.إ25,000.00
元45,576
Cheapest
You pay .د.إ25,000.00
元44,500
-元1,076
You pay .د.إ25,000.00
元44,500
-元1,076
You pay .د.إ25,000.00
元44,500
-元1,076
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to China, the current options look like this.
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 45,576.04 CNY, which is 0.03% more than the next best option.
The fastest option is Wise, funded by bank transfer with bank deposit in China. Your recipient gets 45,074.47 CNY in within minutes.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
The dirham is pegged to the US dollar, but the AED/CNY rate still moves. Checking the recent range helps you assess the amount offered in CNY.
Mid-market rate:1 AED = 1.827978 CNY
We track 7 licensed companies sending AED to China, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in CNY rather than on the fee, alongside the deposit and payout options.
Every company goes through our review before it appears.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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