Best companies for CHF/CNY transfers
4 of 4 providers Last updated on 10 November 2026
Based on 4,000 CHF transfer Best companies for CHF/CNY transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee CHF 34.63 1 CHF = 8.1381 CNY +0.04% vs mid-market	Recipient gets ¥ 32'270.62 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 CHF 34.631 CHF = 8.1381 CNY ¥ 32'270.62You payCHF 4'000.00
Promoted OFX Pay via Bank transfer	Fee CHF 0.00 1 CHF = 8.0886 CNY +0.65% vs mid-market	Recipient gets ¥ 32'354.26 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 CHF = 8.0886 CNY ¥ 32'354.26You 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 = 8.0886 CNY +0.65% vs mid-market	Recipient gets ¥ 32'354.26 Minutes - 24 hours
7 reviews Cheapest 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 CHF = 8.0886 CNY ¥ 32'354.26You payCHF 4'000.00
Wise Pay via Bank transfer	Fee CHF 34.63 1 CHF = 8.1381 CNY +0.04% vs mid-market	Recipient gets ¥ 32'270.62 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 CHF 34.631 CHF = 8.1381 CNY ¥ 32'270.62You payCHF 4'000.00
Moneycorp Pay via Bank transfer	Fee CHF 0.00 1 CHF = 8.0194 CNY +1.50% vs mid-market	Recipient gets ¥ 32'077.45 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 CHF = 8.0194 CNY ¥ 32'077.45You payCHF 4'000.00
Western Union Pay via Debit card	Fee CHF 0.00 1 CHF = 7.8860 CNY +3.19% vs mid-market	Recipient gets ¥ 31'544.00 Minutes - 2 days
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 depositMinutes - 2 days Free1 CHF = 7.8860 CNY ¥ 31'544.00You payCHF 4'000.00

Western Union Pay via Bank transfer	Fee CHF 0.00 1 CHF = 7.8860 CNY +3.19% vs mid-market	Recipient gets ¥ 31'544.00 Minutes - 2 days
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 depositMinutes - 2 days Free1 CHF = 7.8860 CNY ¥ 31'544.00You payCHF 4'000.00
How Our Results Work Mid-market rate: 1 CHF = 8.1415 CNY Updates every 60 minutes.

Why compare

CHF/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Switzerland to China

Pick a company

Start with the cheapest, which is OFX at 32’354.26 CNY for a CHF 4’000 transfer.

OFX was the cheapest on 29 of the 30 days it quoted fr.4’000 transfers to China.

Sending the same money as an international transfer from your Swiss bank usually adds a margin to the rate on top of any fee.

Fund your transfer

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.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to China?

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.

Our analysis shows OFX was the cheapest in 0% of the transfers from CHF 6,000 it quoted, and in 39% of all the transfers it quoted.


CHF 1'000	0.65%	CHF 0.00	¥ 8'103.89with bank transfer to bank deposit	+¥ 156.80
CHF 4'000This page	0.65%	CHF 0.00	¥ 32'354.26with bank transfer to bank deposit	+¥ 396.19
CHF 5'000	0.27%	CHF 0.00	¥ 40'623.55with bank transfer to bank deposit	+¥ 458.62
CHF 6'000	0.27%	CHF 0.00	¥ 48'805.12with bank transfer to bank deposit	+¥ 170.06
CHF 25'000	0.25%	CHF 0.00	¥ 203'139.73with bank transfer to bank deposit	+¥ 397.12

Mid-market rate: 1 CHF = 8.1415 CNY

CHF/CNY Exchange Rate History

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

The cheapest way to send CHF 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 OFX), across 30 days of comparisons for 4’000 CHF transfers to China.

Each line shows what the recipient gets when you send CHF 4'000, after fees, as quoted by each company. The mid-market line shows what CHF 4'000 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 CHF 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 Switzerland.

Right now, OFX pays 32’354.26 CNY on 4’000 CHF, which is 211.68 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 32’549.79 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 148 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

OFXAppeared in 135 comparisons
Cheapest in 39% of them
WiseAppeared in 113 comparisons
Cheapest in 9% of them
MoneycorpAppeared in 140 comparisons
Cheapest in 1% of them

Based on 148 comparisons across 5 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 OFX is the cheapest and gets you the most CNY, but it was the cheapest in only 39% of the 135 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in only 9% of its comparisons, so it's rarely the cheapest option for transfers to China.

If it's a one-off transfer, go with OFX, since it's the cheapest right now.

Ways to send money from Switzerland to China

4 companies send money from Switzerland to China, across online, app, global business account, currency broker, multi-currency account, and in person, and more.

For one-off transfers

Online 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 32’270.62 CNY.

The fee is 34.63 CHF, with a 0.04% markup on top of the CHF/CNY rate.

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

For spending and receiving

Multi-currency accounts

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 0.04% exchange-rate markup and lets you hold CHF and CNY in one account.

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

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.34.63 on a fr.4’000 transfer, and the money lands within an hour.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.4’000 transfers.

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

Currency brokers

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.

Our analysis shows OFX was the cheapest broker in 0% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/CNY rate.

For companies paying across borders

Global accounts

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.

Ways to fund CHF and receive CNY in China

With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 4’000 gives your recipient 32’354.26 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.

1

Bank transfer Bank deposit

You pay fr.4,000.00

元32,354

Cheapest
2

Debit card Bank deposit

You pay fr.4,000.00

元31,544

-元810

Things to know before sending CHF to China

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.

Compare CHF/CNY transfer options

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 32’354.26 CNY, which is 0.26% 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 32’270.62 CNY in within an hour.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to CNY requires a conversion.

Same goes for 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.

Gift tax depends on your canton

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 Swiss government portal explains how gift tax works here.

Money transfer protection

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.

How we analyse the market

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.

In the past 30 days alone, we analysed 148 comparisons across 5 amounts.

This page covers the cheapest and fastest options for CHF/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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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0583	–	¥ 32'233.27
OFX Cheapest	8.0059	CHF 0.00	¥ 32'023.75	−¥ 209.52
Wise	8.0596	CHF 34.65	¥ 31'959.13	−¥ 274.14
Moneycorp	7.9374	CHF 0.00	¥ 31'749.77	−¥ 483.50

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0364	–	¥ 32'145.40
OFX Cheapest	7.9841	CHF 0.00	¥ 31'936.45	−¥ 208.95
Wise	8.0408	CHF 34.66	¥ 31'884.62	−¥ 260.78
Moneycorp	7.9158	CHF 0.00	¥ 31'663.22	−¥ 482.18

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0412	–	¥ 32'164.72
OFX Cheapest	7.9889	CHF 0.00	¥ 31'955.65	−¥ 209.07
Wise	8.0421	CHF 34.66	¥ 31'889.70	−¥ 275.02
Moneycorp	7.9206	CHF 0.00	¥ 31'682.25	−¥ 482.47

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0638	–	¥ 32'255.38
OFX Cheapest	8.0114	CHF 0.00	¥ 32'045.72	−¥ 209.66
Wise	8.0653	CHF 34.65	¥ 31'981.78	−¥ 273.60
Moneycorp	7.9429	CHF 0.00	¥ 31'771.55	−¥ 483.83

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0910	–	¥ 32'363.90
OFX Cheapest	8.0384	CHF 0.00	¥ 32'153.54	−¥ 210.36
Wise	8.0886	CHF 34.64	¥ 32'074.33	−¥ 289.57
Moneycorp	7.9696	CHF 0.00	¥ 31'878.45	−¥ 485.45

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1014	–	¥ 32'405.61
OFX Cheapest	8.0487	CHF 0.00	¥ 32'194.97	−¥ 210.64
Wise	8.1152	CHF 34.63	¥ 32'179.69	−¥ 225.92
Moneycorp	7.9799	CHF 0.00	¥ 31'919.52	−¥ 486.09

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1168	–	¥ 32'467.17
OFX Cheapest	8.0640	CHF 0.00	¥ 32'256.14	−¥ 211.03
Wise	8.1045	CHF 34.64	¥ 32'137.46	−¥ 329.71
Moneycorp	7.9950	CHF 0.00	¥ 31'980.16	−¥ 487.01

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0937	–	¥ 32'374.93
OFX Cheapest	8.0411	CHF 0.00	¥ 32'164.49	−¥ 210.44
Wise	8.0954	CHF 34.64	¥ 32'101.33	−¥ 273.60
Moneycorp	7.9723	CHF 0.00	¥ 31'889.30	−¥ 485.63

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0839	–	¥ 32'335.50
OFX Cheapest	8.0313	CHF 0.00	¥ 32'125.32	−¥ 210.18
Wise	8.0850	CHF 34.64	¥ 32'059.86	−¥ 275.64
Moneycorp	7.9626	CHF 0.00	¥ 31'850.47	−¥ 485.03

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1277	–	¥ 32'510.84
OFX Cheapest	8.0749	CHF 0.00	¥ 32'299.52	−¥ 211.32
Wise	8.1240	CHF 34.63	¥ 32'214.75	−¥ 296.09
Moneycorp	8.0058	CHF 0.00	¥ 32'023.17	−¥ 487.67

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1273	–	¥ 32'509.26
OFX Cheapest	8.0745	CHF 0.00	¥ 32'297.95	−¥ 211.31
Wise	8.1217	CHF 34.63	¥ 32'205.59	−¥ 303.67
Moneycorp	8.0054	CHF 0.00	¥ 32'021.62	−¥ 487.64

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0938	–	¥ 32'375.38
OFX Cheapest	8.0412	CHF 0.00	¥ 32'164.94	−¥ 210.44
Wise	8.0849	CHF 34.64	¥ 32'059.58	−¥ 315.80
Moneycorp	7.9724	CHF 0.00	¥ 31'889.75	−¥ 485.63

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1004	–	¥ 32'401.79
OFX Cheapest	8.0478	CHF 0.00	¥ 32'191.18	−¥ 210.61
Wise	8.0901	CHF 34.64	¥ 32'080.28	−¥ 321.51
Moneycorp	7.9789	CHF 0.00	¥ 31'915.77	−¥ 486.02

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0551	–	¥ 32'220.48
OFX Cheapest	8.0028	CHF 0.00	¥ 32'011.05	−¥ 209.43
Wise	8.0553	CHF 34.65	¥ 31'942.16	−¥ 278.32
Moneycorp	7.9343	CHF 0.00	¥ 31'737.17	−¥ 483.31

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0303	–	¥ 32'121.06
OFX Cheapest	7.9781	CHF 0.00	¥ 31'912.28	−¥ 208.78
Wise	8.0313	CHF 34.66	¥ 31'846.91	−¥ 274.15
Moneycorp	7.9098	CHF 0.00	¥ 31'639.25	−¥ 481.81

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0410	–	¥ 32'164.10
OFX Cheapest	7.9888	CHF 0.00	¥ 31'955.03	−¥ 209.07
Wise	8.0361	CHF 34.66	¥ 31'865.75	−¥ 298.35
Moneycorp	7.9204	CHF 0.00	¥ 31'681.64	−¥ 482.46

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0989	–	¥ 32'395.79
OFX Cheapest	8.0463	CHF 0.00	¥ 32'185.22	−¥ 210.57
Wise	8.0976	CHF 34.64	¥ 32'110.10	−¥ 285.69
Moneycorp	7.9775	CHF 0.00	¥ 31'909.86	−¥ 485.93

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0857	–	¥ 32'342.90
OFX Cheapest	8.0332	CHF 0.00	¥ 32'132.67	−¥ 210.23
Wise	8.0653	CHF 34.65	¥ 31'981.86	−¥ 361.04
Moneycorp	7.9644	CHF 0.00	¥ 31'857.76	−¥ 485.14

Sun, 1 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0854	–	¥ 32'341.69
OFX Cheapest	8.0329	CHF 0.00	¥ 32'131.47	−¥ 210.22
Wise	8.0653	CHF 34.65	¥ 31'981.86	−¥ 359.83
Moneycorp	7.9641	CHF 0.00	¥ 31'856.57	−¥ 485.12

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.0902	–	¥ 32'360.78
OFX Cheapest	8.0376	CHF 0.00	¥ 32'150.43	−¥ 210.35
Wise	8.0741	CHF 34.65	¥ 32'016.79	−¥ 343.99
Moneycorp	7.9688	CHF 0.00	¥ 31'875.36	−¥ 485.42

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1281	–	¥ 32'512.40
Wise Cheapest	8.1572	CHF 34.62	¥ 32'346.48	−¥ 165.92
OFX	8.0753	CHF 0.00	¥ 32'301.07	−¥ 211.33
Moneycorp	8.0062	CHF 0.00	¥ 32'024.72	−¥ 487.68

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1768	–	¥ 32'707.24
OFX Cheapest	8.1237	CHF 0.00	¥ 32'494.64	−¥ 212.60
Wise	8.1768	CHF 34.62	¥ 32'424.08	−¥ 283.16
Moneycorp	8.0542	CHF 0.00	¥ 32'216.63	−¥ 490.61

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1900	–	¥ 32'759.93
OFX Cheapest	8.1367	CHF 0.00	¥ 32'546.99	−¥ 212.94
Wise	8.1901	CHF 34.61	¥ 32'476.90	−¥ 283.03
Moneycorp	8.0671	CHF 0.00	¥ 32'268.53	−¥ 491.40

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1907	–	¥ 32'762.74
OFX Cheapest	8.1374	CHF 0.00	¥ 32'549.79	−¥ 212.95
Wise	8.1696	CHF 34.62	¥ 32'395.73	−¥ 367.01
Moneycorp	8.0678	CHF 0.00	¥ 32'271.30	−¥ 491.44

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	8.1374	–	¥ 32'549.71
OFX Cheapest	8.0845	CHF 0.00	¥ 32'338.13	−¥ 211.58
Wise	8.1325	CHF 34.63	¥ 32'248.21	−¥ 301.50
Moneycorp	8.0154	CHF 0.00	¥ 32'061.46	−¥ 488.25

How to send money to China from Switzerland with the best CHF-CNY rate

Best companies for CHF/CNY transfers