Best companies for AUD/CNY transfers
11 of 11 providers Last updated on 28 September 2026
Based on 2,000 AUD transfer Best companies for AUD/CNY transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $21.66 1 AUD = 4.7119 CNY -0.01% vs mid-market	Recipient gets ¥9,321.78 Within minutes
25 reviews Receive 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 $21.661 AUD = 4.7119 CNY ¥9,321.78You pay$2,000.00
Ad MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 4.6230 CNY +1.90% vs mid-market	Recipient gets ¥9,246.00 6-12 Hours
2 reviews
Ways to receive money in China with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:WeChat Free1 AUD = 4.6230 CNY ¥9,246.00You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.6123 CNY ¥9,224.60You pay$2,002.99
Run a live search Showing top Australia to China deals for 2,000 AUD. 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 AUD 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 AUD you're planning to spend in China.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 4.8020 CNY -1.90% vs mid-market	Recipient gets ¥9,590.12 6-12 Hours
0 reviews Cheapest
Ways to receive money in China with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 4.8020 CNY ¥9,590.12You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 4.7938 CNY ¥9,573.75You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 4.8020 CNY -1.90% vs mid-market	Recipient gets ¥9,590.12 6-12 Hours
0 reviews
Ways to receive money in China with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 4.8020 CNY ¥9,590.12You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 4.7938 CNY ¥9,573.75You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 4.8020 CNY -1.90% vs mid-market	Recipient gets ¥9,590.12 6-12 Hours
0 reviews
Ways to receive money in China with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 4.8020 CNY ¥9,590.12You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 4.7938 CNY ¥9,573.75You pay$2,000.00
Panda Remit Pay via Bank Transfer	Fees: $5.99 1 AUD = 4.7801 CNY -1.45% vs mid-market	Recipient gets ¥9,531.57 6-12 Hours
0 reviews
Ways to receive money in China with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 4.7801 CNY ¥9,531.57You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 4.6989 CNY +0.27% vs mid-market	Recipient gets ¥9,397.87 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in China with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 4.6989 CNY ¥9,397.87You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6989 CNY +0.27% vs mid-market	Recipient gets ¥9,397.87 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in China with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 4.6989 CNY ¥9,397.87You pay$2,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6809 CNY +0.65% vs mid-market	Recipient gets ¥9,361.74 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 4.6809 CNY ¥9,361.74You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 4.6775 CNY +0.72% vs mid-market	Recipient gets ¥9,355.00 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in China with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 4.6775 CNY ¥9,355.00You pay$2,000.00
Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6623 CNY +1.05% vs mid-market	Recipient gets ¥9,324.60 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 4.6623 CNY ¥9,324.60You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $21.66 1 AUD = 4.7119 CNY -0.01% vs mid-market	Recipient gets ¥9,321.78 Within minutes
25 reviews FastestRecommended Receive 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 $21.661 AUD = 4.7119 CNY ¥9,321.78You pay$2,000.00

Wise Pay via Osko	Fees: $21.66 1 AUD = 4.7119 CNY -0.01% vs mid-market	Recipient gets ¥9,321.78 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in China with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $21.661 AUD = 4.7119 CNY ¥9,321.78You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 4.6493 CNY +1.33% vs mid-market	Recipient gets ¥9,298.60 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in China with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 4.6493 CNY ¥9,298.60You pay$2,000.00

Remitly Pay via Credit Card	Fees: $20.00 1 AUD = 4.6493 CNY +1.33% vs mid-market	Recipient gets ¥9,298.60 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in China with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 4.6493 CNY ¥9,298.60You pay$2,020.00
Xe Pay via Debit Card	Fees: $6.00 1 AUD = 4.6623 CNY +1.05% vs mid-market	Recipient gets ¥9,296.63 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 4.6623 CNY ¥9,296.63You pay$2,000.00
Wise Pay via Debit Card	Fees: $27.14 1 AUD = 4.7119 CNY -0.01% vs mid-market	Recipient gets ¥9,295.96 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in China with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.141 AUD = 4.7119 CNY ¥9,295.96You pay$2,000.00
Xe Pay via Credit Card	Fees: $15.00 1 AUD = 4.6623 CNY +1.05% vs mid-market	Recipient gets ¥9,254.67 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 4.6623 CNY ¥9,254.67You pay$2,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6267 CNY +1.80% vs mid-market	Recipient gets ¥9,253.37 Next Day
0 reviews
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 4.6267 CNY ¥9,253.37You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 4.6230 CNY +1.90% vs mid-market	Recipient gets ¥9,246.00 6-12 Hours
2 reviews
Ways to receive money in China with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:WeChat Free1 AUD = 4.6230 CNY ¥9,246.00You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.6123 CNY ¥9,224.60You pay$2,002.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $0.00 1 AUD = 4.6230 CNY +1.90% vs mid-market	Recipient gets ¥9,246.00 6-12 Hours
2 reviews
Ways to receive money in China with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:WeChat Free1 AUD = 4.6230 CNY ¥9,246.00You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.6123 CNY ¥9,224.60You pay$2,002.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $32.99 1 AUD = 4.6230 CNY +1.90% vs mid-market	Recipient gets ¥9,246.00 6-12 Hours
2 reviews
Ways to receive money in China with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:WeChat $32.991 AUD = 4.6230 CNY ¥9,246.00You pay$2,032.99 Card deposit6-12 HoursAvailable via:UnionPay Cards $32.991 AUD = 4.6123 CNY ¥9,224.60You pay$2,032.99
Wise Pay via Credit Card	Fees: $40.50 1 AUD = 4.7119 CNY -0.01% vs mid-market	Recipient gets ¥9,233.01 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in China with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $40.501 AUD = 4.7119 CNY ¥9,233.01You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 4.5900 CNY +2.61% vs mid-market	Recipient gets ¥9,180.00 Minutes
0 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 AUD = 4.5900 CNY ¥9,180.00You pay$2,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 AUD = 4.5900 CNY ¥9,180.00You pay$2,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 AUD = 4.5900 CNY ¥9,180.00You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.5330 CNY +3.86% vs mid-market	Recipient gets ¥9,065.99 3-5 Days
0 reviews
Ways to receive money in China with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 4.5330 CNY ¥9,065.99You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 4.7115 CNY Updates every 60 minutes.

Why compare

AUD/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to China

Pick a company

Start with the cheapest, which is Ria Money Transfer at 9,590.12 CNY on $2,000.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including debit card, bank transfer, credit card, payid, payto, osko, and poli.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to China?

How much AUD 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.


$1,000	-1.89%	$2.89	¥4,788.12with credit card to mobile wallet	+¥124.58
$1,500	-1.89%	$2.89	¥7,189.12with credit card to mobile wallet	+¥178.57
$2,000This page	-1.90%	$2.89	¥9,590.12with credit card to mobile wallet	+¥255.45
$3,000	0.26%	$0.00	¥14,096.81with debit card to bank deposit	+¥181.87
$7,500	0.25%	$0.00	¥35,242.01with debit card to bank deposit	+¥349.89
$12,000	0.27%	$0.00	¥56,374.82with bank transfer to bank deposit	+¥606.05
$15,000	0.27%	$0.00	¥70,471.56with bank transfer to bank deposit	+¥752.92
$100,000	0.25%	$0.00	¥469,931.23with bank transfer to bank deposit	+¥4,751.55
$250,000	0.20%	$0.00	¥1,175,299.69with bank transfer to bank deposit	+¥12,358.38
$500,000	0.20%	$0.00	¥2,350,105.87with bank transfer to bank deposit	+¥14,082.44

Mid-market rate: 1 AUD = 4.7115 CNY

Ways to send money from Australia to China

11 money transfer companies let you send money from Australia to China.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to China.

For example, sending $500 with Ria Money Transfer will get you 9,590.12 CNY after a $2.89 fee and -1.9% markup.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Ria Money Transfer takes $2.89 in fees and -1.9% markup on a $2.89 transfer, and your CNY arrives in 6-12 hours.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like OFX drops the fee entirely and works on margin instead.

With OFX you get 0.65% on AUD/CNY, and it gets lower the more you send.

You also get an account manager for the whole thing.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in CNY, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and CNY in one account, and convert when the rate suits you.

Wise converts $2,000 at -0.01% markup, and the CNY sits in your account until you spend or transfer it.

Most useful if you travel often to China, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a $2,000 transfer, a bank like NAB adds 3.86% markup and delivers 9,065.99 CNY, against 9,590.12 CNY via Ria Money Transfer (the cheapest option).

Ways to fund AUD and receive money in China

With Ria Money Transfer, paying by credit card and receiving through a mobile wallet is the cheapest combination. Sending $2,000 gives your recipient 9,590.12 CNY.

You can fund the transfer with debit card, bank transfer, credit card, payid, payto, osko, and poli.

You can pay with payid

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in the China can collect CNY through bank deposit, mobile wallet, and card deposit.

Your recipient can have CNY delivered to a mobile wallet, without a bank account.

Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.

Receive CNY in a mobile wallet

Use the mobile number registered to the recipient's supported wallet. A wrong digit can send the money to a different account.

1

Debit card Mobile wallet

You pay $2,000.00

元9,590

Cheapest
2

Credit card Mobile wallet

You pay $2,000.00

元9,590

元0
3

Payid Mobile wallet

You pay $2,000.00

元9,590

元0
4

Debit card Bank deposit

You pay $2,000.00

元9,574

-元16
5

Credit card Bank deposit

You pay $2,000.00

元9,574

-元16

Show moreShow less

6

Payid Bank deposit

You pay $2,000.00

元9,574

-元16
7

Bank transfer Bank deposit

You pay $2,000.00

元9,532

-元59
8

Payto Bank deposit

You pay $2,000.00

元9,355

-元235
9

Osko Bank deposit

You pay $2,000.00

元9,322

-元268
10

Poli Mobile wallet

You pay $2,000.00

元9,246

-元344
11

Debit card Card deposit

You pay $2,002.99

元9,225

-元366
12

Credit card Card deposit

You pay $2,032.99

元9,225

-元366
13

Poli Card deposit

You pay $2,002.99

元9,225

-元366

Consider this before sending AUD to India

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/INR transfer options

For an $2,000 transfer to China, these are the best options right now:

Cheapest

Ria Money Transfer is cheapest when funded by credit card with mobile wallet for the payout. Your recipient gets 9,590.12 CNY, which is 0.61% more than the next best option.

Fastest

Wise delivers 9,321.78 CNY in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in China.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in China.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

Live AUD-CNY Exchange Rate

Getting a better AUD to CNY rate

Small changes in the AUD/CNY rate can make a noticeable difference to the amount received, especially on a larger transfer.

Mid-market rate:1 AUD = 4.71871 CNY

How we analyse the market

We track 11 companies sending AUD to China, all holding an Australian licence, with rates refreshed in real time when running a live search.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

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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How to send money to China from Australia with the best AUD-CNY rate

Best companies for AUD/CNY transfers