The cheapest option overall is OFX, giving your recipient 32,123.94 CNY when you send CHF 4,000.
Below we’ve compared 4 ways to send money from Switzerland to China.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 4,000 CHF transfer Best companies for CHF/CNY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 34.64 1 CHF = 8.0820 CNY +0.02% vs mid-market | Recipient gets ¥ 32'048.04 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 34.641 CHF = 8.0820 CNY ¥ 32'048.04You payCHF 4'000.00 | |||
| Promoted  OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 8.0310 CNY +0.65% vs mid-market | Recipient gets ¥ 32'123.94 Minutes - 24 hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 8.0310 CNY ¥ 32'123.94You payCHF 4'000.00 | |||
Run a live search Showing top Switzerland to China deals for 4,000 CHF. 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 CHF 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 CHF you're planning to spend in China. | |||
Run a live search These are managed services with real human support for large CHF transfers. Click the link and update the transfer amount to get the best deal. | |||
| OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 8.0310 CNY +0.65% vs mid-market | Recipient gets ¥ 32'123.94 Minutes - 24 hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 8.0310 CNY ¥ 32'123.94You payCHF 4'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 34.64 1 CHF = 8.0820 CNY +0.02% vs mid-market | Recipient gets ¥ 32'048.04 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 34.641 CHF = 8.0820 CNY ¥ 32'048.04You payCHF 4'000.00 | |||
 Moneycorp Pay via Bank transfer | Fee CHF 0.00 1 CHF = 7.9623 CNY +1.50% vs mid-market | Recipient gets ¥ 31'849.10 Minutes - 2 days | |
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 7.9623 CNY ¥ 31'849.10You payCHF 4'000.00 | |||
 Western Union Pay via Debit card | Fee CHF 0.00 1 CHF = 7.8580 CNY +2.83% vs mid-market | Recipient gets ¥ 31'431.98 Minutes - 2 days | |
Ways to receive money in China with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 7.8580 CNY ¥ 31'431.98You payCHF 4'000.00 | |||
| Western Union Pay via Bank transfer | Fee CHF 0.00 1 CHF = 7.8580 CNY +2.83% vs mid-market | Recipient gets ¥ 31'431.98 Minutes - 2 days | |
Ways to receive money in China with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 7.8580 CNY ¥ 31'431.98You payCHF 4'000.00 | |||
| How Our Results Work Mid-market rate: 1 CHF = 8.0835 CNY Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is OFX at 32,123.94 CNY for CHF 4,000 transfer.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 2 ways to pay, including bank transfer and debit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
First time round you'll need a photo ID and your Swiss address.
Your may pause a first large transfer, it just means you need to submit more details to confirm it's really you.
How much CHF 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 | |||||
|---|---|---|---|---|---|
| CHF 1'000 | CHF 0.00 | ¥ 8'003.90with bank transfer to bank deposit | +¥ 1'423.42 | ||
| CHF 4'000This page | 0.65% | CHF 0.00 | ¥ 32'123.94with bank transfer to bank deposit | +¥ 346.93 | |
| CHF 6'000 | 0.27% | CHF 0.00 | ¥ 48'377.50with bank transfer to bank deposit | +¥ 189.83 | |
| CHF 25'000 | 0.25% | CHF 0.00 | ¥ 201'389.02with bank transfer to bank deposit | +¥ 393.69 |
Mid-market rate: 1 CHF = 8.0835 CNY
4 companies send money from Switzerland to China, across online, app, global account, broker, multi-currency account, and in person, and more.
For one-off transfers
Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.
With Wise, 4,000 CHF gets your recipient 32,048.04 CNY.
The fee is 34.64 CHF, with a 0.02% on top of CHF/CNY rate.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in CNY (be it payments or travelling).
Wise converts CHF 4,000 with a 0.02% exchange-rate markup and lets you hold CHF and CNY in one account.
For regular transfers
For the monthly transfer to family, money transfers apps are the easiest to start with.
Wise charges fr.34.64 on a fr.4,000 transfer, and the money lands within an hour.
You can also save recipients and create automated scheduled transfers to China.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer and debit card.
For large CHF transfers
Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.
For example, if you are buying property in China or moving your wealth, a broker like OFX charges no fee and works on a margin instead (0.65% on CHF/CNY).
I suggest , since the more CNY you send the better rate you get.
Brokers charge no fees, so settle with the one that gives you the best CHF/CNY rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in China.
A global account lets you hold CNY alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 4,000 gives your recipient 32,123.94 CNY.
The transfer can be paid for by bank transfer and debit card.
You can pay from your Swiss bank account
Send CHF to the account details provided by the company.
Use the exact reference so it can match the payment to your transfer.
TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to China.
In China, they can get CNY delivered as bank deposit.
You pay fr.4,000.00
元32,124
Cheapest
You pay fr.4,000.00
元31,432
-元692
The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.
For a CHF 4,000 transfer to China, these are the best options in our comparison.
Cheapest way to send money to China
The cheapest option is OFX, funded by bank transfer with bank deposit for the payout. Your recipient gets 32,123.94 CNY, which is 0.24% more than the next best option.
Fastest way to send money to China
The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 32,048.04 CNY in within an hour.
Swiss banks can make SEPA payments in euros, but CHF transfer to a CNY requires a conversion.
Same goes for TWINT and Swiss instant payments.
Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.
Switzerland has no federal gift tax applied on transfers abroad.
Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.
The federal Swiss authorities explain the cantonal rules here.
Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.
Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.
Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.
If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.
The rate you secure determines how much CNY arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.
Mid-market rate:1 CHF = 8.070701 CNY
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 4 of them sending CHF to China, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.
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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