Best companies for AUD/CNY transfers
8 of 8 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/CNY transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $21.68 1 AUD = 4.6886 CNY 0.00% vs mid-market	Recipient gets ¥9,275.45 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 $21.681 AUD = 4.6886 CNY ¥9,275.45You pay$2,000.00
Ad Remitly Pay via PayTo	Fees: $0.00 1 AUD = 4.7005 CNY -0.26% vs mid-market	Recipient gets ¥9,401.00 Within a week
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 depositWithin a week Free1 AUD = 4.7005 CNY ¥9,401.00You pay$2,000.00
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.
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 4.7005 CNY -0.26% vs mid-market	Recipient gets ¥9,401.00 Within a week
15 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in China with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 4.7005 CNY ¥9,401.00You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 4.6748 CNY +0.29% vs mid-market	Recipient gets ¥9,349.51 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 = 4.6748 CNY ¥9,349.51You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6748 CNY +0.29% vs mid-market	Recipient gets ¥9,349.51 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 = 4.6748 CNY ¥9,349.51You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 4.6720 CNY +0.35% vs mid-market	Recipient gets ¥9,344.00 Within minutes
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 depositWithin minutes Free1 AUD = 4.6720 CNY ¥9,344.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 4.6720 CNY +0.35% vs mid-market	Recipient gets ¥9,344.00 Within minutes
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 depositWithin minutes Free1 AUD = 4.6720 CNY ¥9,344.00You pay$2,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6580 CNY +0.65% vs mid-market	Recipient gets ¥9,316.08 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 = 4.6580 CNY ¥9,316.08You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $21.68 1 AUD = 4.6886 CNY 0.00% vs mid-market	Recipient gets ¥9,275.45 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 $21.681 AUD = 4.6886 CNY ¥9,275.45You pay$2,000.00

Wise Pay via Osko	Fees: $21.68 1 AUD = 4.6886 CNY 0.00% vs mid-market	Recipient gets ¥9,275.45 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 $21.681 AUD = 4.6886 CNY ¥9,275.45You pay$2,000.00
Wise Pay via Debit Card	Fees: $27.16 1 AUD = 4.6886 CNY 0.00% vs mid-market	Recipient gets ¥9,249.76 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 $27.161 AUD = 4.6886 CNY ¥9,249.76You pay$2,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.6041 CNY +1.80% vs mid-market	Recipient gets ¥9,208.25 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 = 4.6041 CNY ¥9,208.25You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 4.5938 CNY +2.04% vs mid-market	Recipient gets ¥9,187.60 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 = 4.5938 CNY ¥9,187.60You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.5862 CNY ¥9,172.40You pay$2,002.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $0.00 1 AUD = 4.5938 CNY +2.04% vs mid-market	Recipient gets ¥9,187.60 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 = 4.5938 CNY ¥9,187.60You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.5862 CNY ¥9,172.40You pay$2,002.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $0.00 1 AUD = 4.5938 CNY +2.04% vs mid-market	Recipient gets ¥9,187.60 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 Free1 AUD = 4.5938 CNY ¥9,187.60You pay$2,000.00 Card deposit6-12 HoursAvailable via:UnionPay Cards $2.991 AUD = 4.5862 CNY ¥9,172.40You pay$2,002.99
Wise Pay via Credit Card	Fees: $40.52 1 AUD = 4.6886 CNY 0.00% vs mid-market	Recipient gets ¥9,187.12 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 $40.521 AUD = 4.6886 CNY ¥9,187.12You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 4.5700 CNY +2.56% vs mid-market	Recipient gets ¥9,140.00 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 = 4.5700 CNY ¥9,140.00You pay$2,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 AUD = 4.5700 CNY ¥9,140.00You pay$2,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 AUD = 4.5700 CNY ¥9,140.00You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 4.5490 CNY +3.02% vs mid-market	Recipient gets ¥9,097.90 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 = 4.5490 CNY ¥9,097.90You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 4.6885 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 Remitly at 9,401 CNY on A$2,000.

Remitly was the cheapest on 12 of the 27 days it quoted A$2,000 transfers to China.

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 6 ways to pay, including debit card, bank transfer, credit card, 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.

Our analysis shows Remitly was the cheapest in 24% of the transfers up to A$2,000 it quoted, and in 33% of all the transfers it quoted.


$1,000	-1.25%	$0.00	¥4,749.80with payto to bank deposit	+¥113.11
$1,500	0.03%	$0.00	¥7,034.40with payid to bank deposit	+¥81.04
$2,000This page	-0.26%	$0.00	¥9,401.00with payto to bank deposit	+¥144.70
$3,000	0.07%	$0.00	¥14,058.60with payto to bank deposit	+¥178.02
$7,500	0.30%	$0.00	¥35,060.65with debit card to bank deposit	+¥338.13
$12,000	0.27%	$0.00	¥56,110.69with bank transfer to bank deposit	+¥626.00
$15,000	0.27%	$0.00	¥70,129.88with bank transfer to bank deposit	+¥768.58
$50,000	0.25%	$0.00	¥233,964.52with bank transfer to bank deposit	+¥2,514.69
$100,000	0.25%	$0.00	¥467,696.23with bank transfer to bank deposit	+¥4,766.24
$250,000	0.20%	$0.00	¥1,169,826.66with bank transfer to bank deposit	+¥12,384.47
$500,000	0.20%	$0.00	¥2,339,508.61with bank transfer to bank deposit	+¥13,949.18

Mid-market rate: 1 AUD = 4.6885 CNY

AUD/CNY Exchange Rate History

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

The cheapest way to send AUD 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 Remitly), across 30 days of comparisons for 2,000 AUD transfers to China.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 AUD than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 24 of the last 30 days.

Right now, Remitly pays 9,401 CNY on 2,000 AUD, which is 23.97 CNY more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 9,590.12 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.

If you need to send money now, it's a good time to send.

Ways to send money from Australia to China

8 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 A$2,000 with Remitly will get you 9,401 CNY after a A$0 fee and -0.26% markup.

In our comparisons over the past month, it was the cheapest online service on 12 of the 27 days it quoted.

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.

Remitly takes A$0 in fees and -0.26% markup on a A$2,000 transfer, and your CNY arrives in within a week.

Over the past month, Remitly was the cheapest app on 44% of the days it appeared for A$2,000 transfers.

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.

Our analysis shows OFX was the cheapest broker in 37% of all the transfers it quoted.

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 A$2,000 at 0% markup, and the CNY sits in your account until you spend or transfer it.

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

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 A$2,000 transfer, a bank like NAB adds 3.02% markup and delivers 9,097.9 CNY, against 9,401 CNY via Remitly (the cheapest option).

We found NAB was the cheapest bank on 25 of the 25 days it appeared for this amount.

Ways to fund AUD and receive money in China

With Remitly, paying by payto and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 9,401 CNY.

Our data shows that Remitly gets your recipient 303.1 CNY more than NAB, today's cheapest bank, on the same A$2,000.

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

Recipients in 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.

1

Payto Bank deposit

You pay A$2,000.00

元9,401

Cheapest
2

Debit card Bank deposit

You pay A$2,000.00

元9,350

-元51
3

Bank transfer Bank deposit

You pay A$2,000.00

元9,350

-元51
4

Credit card Bank deposit

You pay A$2,000.00

元9,344

-元57
5

Osko Bank deposit

You pay A$2,000.00

元9,275

-元126

Show moreShow less

6

Debit card Mobile wallet

You pay A$2,000.00

元9,188

-元213
7

Credit card Mobile wallet

You pay A$2,000.00

元9,188

-元213
8

Poli Mobile wallet

You pay A$2,000.00

元9,188

-元213
9

Debit card Card deposit

You pay A$2,002.99

元9,172

-元229
10

Credit card Card deposit

You pay A$2,002.99

元9,172

-元229
11

Poli Card deposit

You pay A$2,002.99

元9,172

-元229

Consider this before sending AUD to China

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/CNY transfer options

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

Cheapest

Remitly is cheapest when funded by payto with bank deposit for the payout. Your recipient gets 9,401 CNY, which is 0.55% more than the next best option.

Fastest

Wise delivers 9,275.45 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.

How we analyse the market

We track 8 companies sending AUD to China, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/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.

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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Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	4.6874	–	¥9,374.76
Ria Money Transfer Cheapest	4.8020	$2.89	¥9,590.12	+¥215.36
Western Union	4.6983	$0.00	¥9,396.57	+¥21.81
OFX	4.6569	$0.00	¥9,313.82	−¥60.94
Remitly	4.6531	$0.00	¥9,306.20	−¥68.56
NAB	4.5089	$0.00	¥9,017.87	−¥356.89

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	4.6769	–	¥9,353.85
Ria Money Transfer Cheapest	4.8020	$2.89	¥9,590.12	+¥236.27
Western Union	4.6729	$0.00	¥9,345.89	−¥7.96
OFX	4.6465	$0.00	¥9,293.05	−¥60.80
Remitly	4.6443	$0.00	¥9,288.60	−¥65.25
NAB	4.5382	$0.00	¥9,076.49	−¥277.36

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	4.6616	–	¥9,323.16
Ria Money Transfer Cheapest	4.8020	$2.89	¥9,590.12	+¥266.97
Western Union	4.6528	$0.00	¥9,305.57	−¥17.59
OFX	4.6313	$0.00	¥9,262.56	−¥60.60
Remitly	4.6290	$0.00	¥9,258.00	−¥65.16
NAB	4.5382	$0.00	¥9,076.49	−¥246.67

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	4.6521	–	¥9,304.17
Ria Money Transfer Cheapest	4.8020	$2.89	¥9,590.12	+¥285.95
Western Union	4.6364	$0.00	¥9,272.71	−¥31.46
OFX	4.6218	$0.00	¥9,243.69	−¥60.48
Remitly	4.6176	$0.00	¥9,235.20	−¥68.97
NAB	4.5161	$0.00	¥9,032.15	−¥272.02

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	4.6456	–	¥9,291.17
Ria Money Transfer Cheapest	4.8020	$2.89	¥9,590.12	+¥298.96
Western Union	4.6451	$0.00	¥9,290.12	−¥1.05
Remitly	4.6290	$0.00	¥9,258.00	−¥33.17
OFX	4.6154	$0.00	¥9,230.77	−¥60.40
NAB	4.4768	$0.00	¥8,953.54	−¥337.63

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

Best companies for AUD/CNY transfers