Best companies for BRL/CNY transfers
4 of 4 providers Last updated on 28 October 2026
Based on 40,000 BRL transfer Best companies for BRL/CNY transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee R$3,022.38 1 BRL = 1.2470 CNY -0.07% vs mid-market	Recipient gets ¥46,111.09 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 R$3,022.381 BRL = 1.2470 CNY ¥46,111.09You payR$40,000.00
Promoted Regency FX Pay via Bank transfer	Fee R$0.00 1 BRL = 1.2427 CNY +0.27% vs mid-market	Recipient gets ¥49,708.26 Minutes - 24 hours
9 reviews 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 BRL = 1.2427 CNY ¥49,708.26You payR$40,000.00
Run a live search Showing top Brazil to China deals for 40,000 BRL. 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 BRL 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 BRL you're planning to spend in China.
Run a live search These are managed services with real human support for large BRL 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 R$0.00 1 BRL = 1.2427 CNY +0.27% vs mid-market	Recipient gets ¥49,708.26 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 BRL = 1.2427 CNY ¥49,708.26You payR$40,000.00
$0 fee on first online transfers MoneyGram Pay via Pix	Fee R$0.00 1 BRL = 1.2351 CNY +0.88% vs mid-market	Recipient gets ¥49,404.00 Minutes - 24 hours
2 reviews
Ways to receive money in China with MoneyGram when paying by pix. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat Free1 BRL = 1.2351 CNY ¥49,404.00You payR$40,000.00 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards Free1 BRL = 1.2079 CNY ¥48,316.00You payR$40,000.00
TapTap Send Pay via Debit card	Fee R$0.00 1 BRL = 1.2300 CNY +1.30% vs mid-market	Recipient gets ¥49,200.00 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 BRL = 1.2300 CNY ¥49,200.00You payR$40,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 BRL = 1.2300 CNY ¥49,200.00You payR$40,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 BRL = 1.2300 CNY ¥49,200.00You payR$40,000.00
Wise Pay via Bank transfer	Fee R$3,022.38 1 BRL = 1.2470 CNY -0.07% vs mid-market	Recipient gets ¥46,111.09 Within minutes
25 reviews FastestRecommended 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 R$3,022.381 BRL = 1.2470 CNY ¥46,111.09You payR$40,000.00

Wise Pay via Pix	Fee R$3,022.38 1 BRL = 1.2470 CNY -0.07% vs mid-market	Recipient gets ¥46,111.09 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 pix. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer R$3,022.381 BRL = 1.2470 CNY ¥46,111.09You payR$40,000.00
How Our Results Work Mid-market rate: 1 BRL = 1.2461 CNY Updates every 60 minutes.

Why compare

BRL/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Brazil to China

Pick a company

Start with the cheapest, which is Regency FX at 49,708.26 CNY for a R$40,000 transfer.

Regency FX was the cheapest on 29 of the 30 days it quoted R$40,000 transfers to China.

The IOF is the same whichever company you pick, so it's about the exchange rate markup and the fees.

Fund your transfer

You have 3 ways to pay, including bank transfer, pix, and debit card.

Verify and send

You'll need your CPF and a photo ID to register and verify your account.

Once that's done, you can send money to China.

Compare amounts

How much BRL are you sending to China?

How much BRL 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 98% of the transfers from R$40,000 it quoted, and in 98% of all the transfers it quoted.


R$1,000	-0.24%	R$0.00	¥1,248.80with pix to bank deposit	+¥63.35
R$5,000	-0.02%	R$0.00	¥6,231.50with pix to bank deposit	+¥224.94
R$10,000	0.00%	R$0.00	¥12,460.00with pix to bank deposit	+¥421.66
R$40,000This page	0.27%	R$0.00	¥49,708.26with bank transfer to bank deposit	+¥1,601.37
R$50,000	0.27%	R$0.00	¥62,131.84with bank transfer to bank deposit	+¥336.23
R$100,000	0.27%	R$0.00	¥124,265.97with bank transfer to bank deposit	+¥673.98

Mid-market rate: 1 BRL = 1.2461 CNY

BRL/CNY Exchange Rate History

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

The cheapest way to send BRL 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 40,000 BRL transfers to China.

Each line shows what the recipient gets when you send R$40,000, after fees, as quoted by each company. The mid-market line shows what R$40,000 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 BRL 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 Brazil.

Right now, Regency FX pays 49,708.26 CNY on 40,000 BRL, which is 134.58 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 53,679.91 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 138 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

Regency FXAppeared in 62 comparisons
Cheapest in 98% of them
MoneyGramAppeared in 130 comparisons
Cheapest in 8% of them
TapTap SendAppeared in 135 comparisons
Cheapest in 11% of them

Based on 138 comparisons across 6 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, but it only quotes some of the amounts we track, so it isn't included in these figures.

MoneyGram (today's second cheapest) was the cheapest in only 8% of its comparisons, so it's rarely the cheapest option for transfers to China.

Ways to send money from Brazil to China

There are 6 ways to send money to China across 4 money transfer companies.

For everyday transfers

Online transfers

For most transfers from Brazil to China, money transfer companies like MoneyGram are the cheapest way.

You can fund an online transfer with bank transfer, pix, and debit card.

MoneyGram charges R$0 and adds 0.88% markup when sending R$40,000, this will get you 49,404 CNY in China.

In our comparisons over the past month, it was the cheapest online service on 15 of the 30 days it quoted.

For property and other large transfers

Currency brokers

Brokers are best for large transfers, they will negotiate a better BRL/CNY rate, handle the paperwork, and guide you over the phone.

Regency FX converts BRL to CNY with an exchange-rate markup of around 0.27%.

I'd suggest , since the rate gets better the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from R$40,000 it quoted.

Holding AUD and other currencies

Multi-currency accounts

Wise lets you hold, convert, and spend BRL and CNY from one account.

Swapping R$40,000 with Wise will get you 46,111.09 CNY after all fees.

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

You can then spend it in China or Brazil and receive CNY payments.

For freelancers & businesses

Global accounts

Global accounts like Airwallex, Wise Business, and Payoneer help with international CNY payments, invoicing, receiving payments, and more.

These are great for Brazilian businesses and freelancers, but not personal transfers.

Ways to fund BRL and receive CNY in China

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R$40,000 gives your recipient 49,708.26 CNY.

For paying for your transfer, you have bank transfer, pix, and debit card.

You can fund the transfer with Pix

You can use Pix as a funding method, but it can’t send BRL to China directly.

Scan the company's QR code or copy its Pix key, then approve R$40,000 in your Brazilian banking app.

For withdrawals in China, they can get it as bank deposit, mobile wallet, and card deposit.

IOF can apply when you convert and send BRL abroad, so double check the tax shown before you send.

1

Bank transfer Bank deposit

You pay R$40,000.00

元49,708

Cheapest
2

Pix Mobile wallet

You pay R$40,000.00

元49,404

-元304
3

Debit card Mobile wallet

You pay R$40,000.00

元49,200

-元508
4

Debit card Card deposit

You pay R$40,000.00

元49,200

-元508
5

Debit card Bank deposit

You pay R$40,000.00

元49,200

-元508

Show moreShow less

6

Pix Card deposit

You pay R$40,000.00

元48,316

-元1,392
7

Pix Bank deposit

You pay R$40,000.00

元46,111

-元3,597

Consider this when sending BRL to China

Brazilian transfer quotes should show the tax, fee and exchange rate. The easiest way to compare them is through the VET, then check whether the payment is a transfer of your own money or a gift.

Compare BRL/CNY transfer options

For a R$40,000 payment to China, I suggest starting with these:

Cheapest:

Regency FX, funded by bank transfer with bank deposit in China. Your recipient gets 49,708.26 CNY, which is 0.61% more than the next best option.

Fastest:

Wise, paid by bank transfer with bank deposit for the payout. It delivers 46,111.09 CNY in within minutes.

Pix can fund but not send

Pix can be used to deposit BRL from your bank to the transfer company's Brazilian account, but it cannot send money directly to China.

The company then switches to local rails or uses an internal network of accounts to move BRL to China.

A gift can have a separate state tax

Moving your own money and making a gift are not treated the same.

A gift may fall under ITCMD, which is set and collected by the relevant Brazilian state.

The rate, exemption and filing process depend on the state and the facts of the gift.

Check this before sending a large amount to family, particularly when the sender, recipient or estate has links to different states.

Use a company authorised for câmbio

The Banco Central do Brasil says an authorised institution or its correspondent should explain the required documents and provide the VET.

If in doubt, check the institution's legal name with the Banco Central before sending.

Reclame Aqui can show service problems, but it does not replace the regulatory check.

How we analyse the market

We track 4 authorised companies sending BRL to China, updated in real time during live comparisons.

The IOF is identical whoever you pick, so we compare on the spread and the all-in rate, plus the ways to pay and collect.

In the past 30 days alone, we analysed 138 comparisons across 6 amounts.

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

Each goes through our review. More on who we are, why you can trust us and how to get 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, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2848	–	¥51,390.56
Regency FX Cheapest	1.2813	R$0.00	¥51,251.81	−¥138.75
MoneyGram	1.2746	R$0.00	¥50,984.00	−¥406.56
TapTap Send	1.2700	R$0.00	¥50,800.00	−¥590.56

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2880	–	¥51,521.64
Regency FX Cheapest	1.2846	R$0.00	¥51,382.53	−¥139.11
TapTap Send	1.2800	R$0.00	¥51,200.00	−¥321.64
MoneyGram	1.2744	R$0.00	¥50,976.00	−¥545.64

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2944	–	¥51,775.16
Regency FX Cheapest	1.2909	R$0.00	¥51,635.37	−¥139.79
MoneyGram	1.2837	R$0.00	¥51,348.00	−¥427.16
TapTap Send	1.2800	R$0.00	¥51,200.00	−¥575.16

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2829	–	¥51,316.28
MoneyGram Cheapest	1.2800	R$0.00	¥51,200.00	−¥116.28
Regency FX	1.2794	R$0.00	¥51,177.73	−¥138.55
TapTap Send	1.2700	R$0.00	¥50,800.00	−¥516.28

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2867	–	¥51,466.52
Regency FX Cheapest	1.2832	R$0.00	¥51,327.56	−¥138.96
MoneyGram	1.2750	R$0.00	¥51,000.00	−¥466.52
TapTap Send	1.2700	R$0.00	¥50,800.00	−¥666.52

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2834	–	¥51,335.56
Regency FX Cheapest	1.2799	R$0.00	¥51,196.95	−¥138.61
MoneyGram	1.2758	R$0.00	¥51,032.00	−¥303.56
TapTap Send	1.2700	R$0.00	¥50,800.00	−¥535.56

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3413	–	¥53,650.36
Regency FX Cheapest	1.3376	R$0.00	¥53,505.50	−¥144.86
MoneyGram	1.3311	R$0.00	¥53,244.00	−¥406.36
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥450.36

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3456	–	¥53,825.24
Regency FX Cheapest	1.3420	R$0.00	¥53,679.91	−¥145.33
MoneyGram	1.3381	R$0.00	¥53,524.00	−¥301.24
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥625.24

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3355	–	¥53,421.68
Regency FX Cheapest	1.3319	R$0.00	¥53,277.44	−¥144.24
MoneyGram	1.3309	R$0.00	¥53,236.00	−¥185.68
TapTap Send	1.3200	R$0.00	¥52,800.00	−¥621.68

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3357	–	¥53,428.72
Regency FX Cheapest	1.3321	R$0.00	¥53,284.46	−¥144.26
MoneyGram	1.3208	R$0.00	¥52,832.00	−¥596.72
TapTap Send	1.3200	R$0.00	¥52,800.00	−¥628.72

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3409	–	¥53,635.84
Regency FX Cheapest	1.3373	R$0.00	¥53,491.02	−¥144.82
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥435.84
MoneyGram	1.3247	R$0.00	¥52,988.00	−¥647.84

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3418	–	¥53,671.36
Regency FX Cheapest	1.3382	R$0.00	¥53,526.45	−¥144.91
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥471.36
MoneyGram	1.3238	R$0.00	¥52,952.00	−¥719.36

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3421	–	¥53,683.24
Regency FX Cheapest	1.3385	R$0.00	¥53,538.30	−¥144.94
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥483.24
MoneyGram	1.3292	R$0.00	¥53,168.00	−¥515.24

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3310	–	¥53,240.08
Regency FX Cheapest	1.3274	R$0.00	¥53,096.33	−¥143.75
TapTap Send	1.3200	R$0.00	¥52,800.00	−¥440.08
MoneyGram	1.3191	R$0.00	¥52,764.00	−¥476.08

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3275	–	¥53,100.20
Regency FX Cheapest	1.3239	R$0.00	¥52,956.83	−¥143.37
MoneyGram	1.3126	R$0.00	¥52,504.00	−¥596.20
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥700.20

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3126	–	¥52,502.64
Regency FX Cheapest	1.3090	R$0.00	¥52,360.88	−¥141.76
MoneyGram	1.3075	R$0.00	¥52,300.00	−¥202.64
TapTap Send	1.3000	R$0.00	¥52,000.00	−¥502.64

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3210	–	¥52,841.60
Regency FX Cheapest	1.3175	R$0.00	¥52,698.93	−¥142.67
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥441.60
MoneyGram	1.3053	R$0.00	¥52,212.00	−¥629.60

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3211	–	¥52,845.76
Regency FX Cheapest	1.3176	R$0.00	¥52,703.08	−¥142.68
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥445.76
MoneyGram	1.3035	R$0.00	¥52,140.00	−¥705.76

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3252	–	¥53,008.08
Regency FX Cheapest	1.3216	R$0.00	¥52,864.96	−¥143.12
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥608.08
MoneyGram	1.3080	R$0.00	¥52,320.00	−¥688.08

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3293	–	¥53,170.28
Regency FX Cheapest	1.3257	R$0.00	¥53,026.72	−¥143.56
TapTap Send	1.3200	R$0.00	¥52,800.00	−¥370.28
MoneyGram	1.3173	R$0.00	¥52,692.00	−¥478.28

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3291	–	¥53,163.92
Regency FX Cheapest	1.3255	R$0.00	¥53,020.38	−¥143.54
MoneyGram	1.3174	R$0.00	¥52,696.00	−¥467.92
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥763.92

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3218	–	¥52,870.32
Regency FX Cheapest	1.3182	R$0.00	¥52,727.57	−¥142.75
MoneyGram	1.3101	R$0.00	¥52,404.00	−¥466.32
TapTap Send	1.3100	R$0.00	¥52,400.00	−¥470.32

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3450	–	¥53,798.80
Regency FX Cheapest	1.3413	R$0.00	¥53,653.54	−¥145.26
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥598.80
MoneyGram	1.3108	R$0.00	¥52,432.00	−¥1,366.80

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3417	–	¥53,667.00
Regency FX Cheapest	1.3381	R$0.00	¥53,522.10	−¥144.90
TapTap Send	1.3300	R$0.00	¥53,200.00	−¥467.00
MoneyGram	1.3101	R$0.00	¥52,404.00	−¥1,263.00

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.2411	–	¥49,643.64
Regency FX Cheapest	1.2377	R$0.00	¥49,509.60	−¥134.04
TapTap Send	1.2300	R$0.00	¥49,200.00	−¥443.64
MoneyGram	1.2124	R$0.00	¥48,496.00	−¥1,147.64

How to send money to China from Brazil with the best BRL-CNY rate

Best companies for BRL/CNY transfers