Best companies for AED/CNY transfers
6 of 6 providers Last updated on 10 November 2026
Based on 25,000 AED transfer Best companies for AED/CNY transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee AED 341.85 1 AED = 1.8160 CNY +0.06% vs mid-market	Recipient gets ¥44,778.21 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 341.851 AED = 1.8160 CNY ¥44,778.21You payAED 25,000.00
Promoted TorFx Pay via Bank transfer	Fee AED 0.00 1 AED = 1.8115 CNY +0.30% vs mid-market	Recipient gets ¥45,287.88 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8115 CNY ¥45,287.88You 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 = 1.8121 CNY +0.27% vs mid-market	Recipient gets ¥45,301.50 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in China with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8121 CNY ¥45,301.50You payAED 25,000.00
TorFx Pay via Bank transfer	Fee AED 0.00 1 AED = 1.8115 CNY +0.30% vs mid-market	Recipient gets ¥45,287.88 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8115 CNY ¥45,287.88You payAED 25,000.00
OFX Pay via Bank transfer	Fee AED 0.00 1 AED = 1.8079 CNY +0.50% vs mid-market	Recipient gets ¥45,197.03 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.8079 CNY ¥45,197.03You payAED 25,000.00
Moneycorp Pay via Bank transfer	Fee AED 0.00 1 AED = 1.7915 CNY +1.40% vs mid-market	Recipient gets ¥44,788.21 Minutes - 2 days
0 reviews
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 AED = 1.7915 CNY ¥44,788.21You payAED 25,000.00
Wise Pay via Bank transfer	Fee AED 341.85 1 AED = 1.8160 CNY +0.06% vs mid-market	Recipient gets ¥44,778.21 Within minutes
25 reviews FastestOur top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 341.851 AED = 1.8160 CNY ¥44,778.21You payAED 25,000.00
TapTap Send Pay via Debit card	Fee AED 0.00 1 AED = 1.7700 CNY +2.62% vs mid-market	Recipient gets ¥44,250.00 Minutes
2 reviews Receive to bank account
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 = 1.7700 CNY ¥44,250.00You payAED 25,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 AED = 1.7700 CNY ¥44,250.00You payAED 25,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 AED = 1.7700 CNY ¥44,250.00You payAED 25,000.00
How Our Results Work Mid-market rate: 1 AED = 1.8170 CNY Updates every 60 minutes.

Why compare

AED/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from UAE to China

Pick a company

Start with the cheapest, which is Regency FX at 45,301.50 CNY on AED 25,000.

Regency FX was the cheapest on 28 of the 28 days it quoted AED25,000 transfers to China.

Fund your transfer

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.

Verify and send

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.

Compare amounts

How much AED are you sending to China?

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.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from AED 25,000 it quoted, and in 100% of all the transfers it quoted.


AED 3,500	-0.30%	AED 0.00	¥6,378.40with debit card to bank deposit	+¥83.22
AED 7,500	0.35%	AED 0.00	¥13,579.50with debit card to bank deposit	+¥104.70
AED 25,000This page	0.27%	AED 0.00	¥45,301.50with bank transfer to bank deposit	+¥367.70
AED 50,000	0.27%	AED 0.00	¥90,602.81with bank transfer to bank deposit	+¥730.77
AED 200,000	0.25%	AED 0.00	¥362,484.32with bank transfer to bank deposit	+¥2,538.39
AED 250,000	0.25%	AED 0.00	¥453,105.65with bank transfer to bank deposit	+¥2,974.15
AED 350,000	0.25%	AED 0.00	¥634,348.25with bank transfer to bank deposit	+¥4,158.49
AED 1,000,000	0.20%	AED 0.00	¥1,813,330.07with bank transfer to bank deposit	+¥13,238.43

Mid-market rate: 1 AED = 1.8170 CNY

AED/CNY Exchange Rate History

Is today a good time to send money from UAE to China?

The cheapest way to send AED to CNY can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 25,000 AED transfers to China.

Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more CNY per AED than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of CNY on every transfer from the UAE.

Right now, Regency FX pays 45,301.50 CNY on 25,000 AED, which is 122.65 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 45,436.91 CNY.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to China.

We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 172 comparisons
Cheapest every time
TorFxAppeared in 172 comparisons
Never the cheapest
OFXAppeared in 231 comparisons
Cheapest in 1% of them

Based on 239 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most CNY, and it was also the cheapest in 100% of the 172 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to China.

TorFx (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to China.

Ways to send money from the UAE to China

6 companies send money from the UAE to China, split between currency broker, online, app, global business account, and multi-currency account, and more.

For frequent transfers home

Money transfer apps

If you send CNY home monthly, money transfer apps like Wise are the easiest with good AED/CNY rates.

Botim, Careem Pay, and e& money are convenient but Wise is cheaper.

On an AED 25,000 transfer it will get you 44,778.21 CNY in within minutes (after 341.85 fee and 0.06% markup).

Over the past month, Wise was the cheapest app on 76% of the days it appeared for AED25,000 transfers.

You'll need your Emirates ID and a UAE number to register.

For small urgent transfers

Send now, pay later

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

Online transfers

Sending AED 25,000 to China is usually cheaper with online money transfer services like Moneycorp.

Moneycorp gets you 44,788.21 CNY, with an AED 0 fee and 1.4% markup.

In our comparisons over the past month, it was the cheapest online service on 18 of the 29 days it quoted.

For sending large amounts

Currency brokers

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.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.

For UAE businesses trading abroad

Global accounts

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

Multi-currency accounts

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 AED 25,000 at 0.06% markup and holds it until you send or spend it, and gives you account details to receive CNY.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

We've covered this in more detail in our guide to multi-currency accounts.

Ways to deposit AED and receive CNY in China

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 45,301.50 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.

1

Bank transfer Bank deposit

You pay AED25,000.00

元45,302

Cheapest
2

Debit card Mobile wallet

You pay AED25,000.00

元44,250

-元1,052
3

Debit card Card deposit

You pay AED25,000.00

元44,250

-元1,052
4

Debit card Bank deposit

You pay AED25,000.00

元44,250

-元1,052

Before sending AED to China, consider this

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.

Compare AED/CNY transfer options

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 45,301.50 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 44,778.21 CNY in within minutes.

You need Emirates ID

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.

Use a licensed exchange house in UAE

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.

Cash rules are separate

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.

How we analyse the market

We track 6 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.

In the past 30 days alone, we analysed 239 comparisons across 8 amounts.

This page covers the cheapest and fastest options for AED/CNY transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8222	–	¥45,555.85
Regency FX Cheapest	1.8173	AED 0.00	¥45,432.85	−¥123.00
TorFx	1.8168	AED 0.00	¥45,419.18	−¥136.67
OFX	1.8131	AED 0.00	¥45,328.07	−¥227.78

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8222	–	¥45,555.80
Regency FX Cheapest	1.8173	AED 0.00	¥45,432.80	−¥123.00
TorFx	1.8168	AED 0.00	¥45,419.13	−¥136.67
OFX	1.8131	AED 0.00	¥45,328.02	−¥227.78

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8222	–	¥45,555.78
Regency FX Cheapest	1.8173	AED 0.00	¥45,432.77	−¥123.01
TorFx	1.8168	AED 0.00	¥45,419.11	−¥136.67
OFX	1.8131	AED 0.00	¥45,328.00	−¥227.78

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8224	–	¥45,559.93
Regency FX Cheapest	1.8175	AED 0.00	¥45,436.91	−¥123.01
TorFx	1.8169	AED 0.00	¥45,423.25	−¥136.68
OFX	1.8133	AED 0.00	¥45,332.13	−¥227.80

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8220	–	¥45,549.35
Regency FX Cheapest	1.8171	AED 0.00	¥45,426.37	−¥122.98
TorFx	1.8165	AED 0.00	¥45,412.70	−¥136.65
OFX	1.8129	AED 0.00	¥45,321.60	−¥227.75

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8220	–	¥45,549.33
Regency FX Cheapest	1.8171	AED 0.00	¥45,426.34	−¥122.99
TorFx	1.8165	AED 0.00	¥45,412.68	−¥136.65
OFX	1.8129	AED 0.00	¥45,321.58	−¥227.75

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8220	–	¥45,549.40
Regency FX Cheapest	1.8171	AED 0.00	¥45,426.42	−¥122.98
TorFx	1.8165	AED 0.00	¥45,412.75	−¥136.65
OFX	1.8129	AED 0.00	¥45,321.65	−¥227.75

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8187	–	¥45,467.25
Regency FX Cheapest	1.8138	AED 0.00	¥45,344.49	−¥122.76
TorFx	1.8132	AED 0.00	¥45,330.85	−¥136.40
OFX	1.8096	AED 0.00	¥45,239.91	−¥227.34

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8184	–	¥45,459.83
Regency FX Cheapest	1.8135	AED 0.00	¥45,337.08	−¥122.74
TorFx	1.8129	AED 0.00	¥45,323.45	−¥136.38
OFX	1.8093	AED 0.00	¥45,232.53	−¥227.29

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8184	–	¥45,459.78
Regency FX Cheapest	1.8135	AED 0.00	¥45,337.03	−¥122.75
TorFx	1.8129	AED 0.00	¥45,323.40	−¥136.38
OFX	1.8093	AED 0.00	¥45,232.48	−¥227.29

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8184	–	¥45,459.85
Regency FX Cheapest	1.8135	AED 0.00	¥45,337.11	−¥122.74
TorFx	1.8129	AED 0.00	¥45,323.47	−¥136.38
OFX	1.8093	AED 0.00	¥45,232.55	−¥227.30

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	1.8157	AED 341.85	¥44,772.79	–
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–
OFX No quote collected this day	–	–	–	–

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8158	–	¥45,393.85
Regency FX Cheapest	1.8109	AED 0.00	¥45,271.29	−¥122.56
TorFx	1.8103	AED 0.00	¥45,257.67	−¥136.18
OFX	1.8067	AED 0.00	¥45,166.88	−¥226.97

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8151	–	¥45,378.15
Remitly Cheapest	1.7999	AED 0.00	¥44,997.50	−¥380.65
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–
OFX No quote collected this day	–	–	–	–

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8138	–	¥45,344.50
Regency FX Cheapest	1.8089	AED 0.00	¥45,222.07	−¥122.43
TorFx	1.8083	AED 0.00	¥45,208.47	−¥136.03
OFX	1.8047	AED 0.00	¥45,117.78	−¥226.72

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8138	–	¥45,344.43
Regency FX Cheapest	1.8089	AED 0.00	¥45,222.00	−¥122.43
TorFx	1.8083	AED 0.00	¥45,208.39	−¥136.04
OFX	1.8047	AED 0.00	¥45,117.70	−¥226.73

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8103	–	¥45,257.33
Regency FX Cheapest	1.8054	AED 0.00	¥45,135.13	−¥122.19
TorFx	1.8049	AED 0.00	¥45,121.55	−¥135.77
OFX	1.8012	AED 0.00	¥45,031.04	−¥226.28

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8192	–	¥45,479.28
Regency FX Cheapest	1.8143	AED 0.00	¥45,356.48	−¥122.79
TorFx	1.8137	AED 0.00	¥45,342.84	−¥136.44
OFX	1.8101	AED 0.00	¥45,251.88	−¥227.40

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8161	–	¥45,403.65
Regency FX Cheapest	1.8112	AED 0.00	¥45,281.06	−¥122.59
TorFx	1.8107	AED 0.00	¥45,267.44	−¥136.21
OFX	1.8071	AED 0.00	¥45,176.63	−¥227.02

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8212	–	¥45,531.00
Regency FX Cheapest	1.8163	AED 0.00	¥45,408.07	−¥122.93
TorFx	1.8158	AED 0.00	¥45,394.41	−¥136.59
OFX	1.8121	AED 0.00	¥45,303.35	−¥227.65

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8177	–	¥45,442.63
Regency FX Cheapest	1.8128	AED 0.00	¥45,319.93	−¥122.69
TorFx	1.8123	AED 0.00	¥45,306.30	−¥136.32
OFX	1.8086	AED 0.00	¥45,215.41	−¥227.21

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8180	–	¥45,449.25
Regency FX Cheapest	1.8131	AED 0.00	¥45,326.54	−¥122.71
TorFx	1.8125	AED 0.00	¥45,312.90	−¥136.35
OFX	1.8089	AED 0.00	¥45,222.00	−¥227.25

Tue, 10 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8170	–	¥45,424.15
Regency FX Cheapest	1.8121	AED 0.00	¥45,301.50	−¥122.65
TorFx	1.8115	AED 0.00	¥45,287.88	−¥136.27
OFX	1.8079	AED 0.00	¥45,197.03	−¥227.12

How to send money to China from the UAE with the best AED-CNY rate

Best companies for AED/CNY transfers