Best companies for CNY/INR transfers
2 of 2 providers Last updated on 28 October 2026
Based on 50,000 CNY transfer Best companies for CNY/INR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ¥377.37 1 CNY = 14.2838 INR -0.05% vs mid-market	Recipient gets ₹708,799.72 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥377.371 CNY = 14.2838 INR ₹708,799.72You pay¥50,000.00
Promoted Regency FX Pay via Bank transfer	Fee ¥0.00 1 CNY = 14.2385 INR +0.27% vs mid-market	Recipient gets ₹711,923.80 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 14.2385 INR ₹711,923.80You pay¥50,000.00
Run a live search Showing top China to India deals for 50,000 CNY. 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 CNY to INR rates.
Run a live search These companies offer multi-currency accounts for spending INR. We suggest doing a live search based on how much CNY you're planning to spend in India.
Run a live search These are managed services with real human support for large CNY 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 ¥0.00 1 CNY = 14.2385 INR +0.27% vs mid-market	Recipient gets ₹711,923.80 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 14.2385 INR ₹711,923.80You pay¥50,000.00
Wise Pay via Bank transfer	Fee ¥377.37 1 CNY = 14.2838 INR -0.05% vs mid-market	Recipient gets ₹708,799.72 Within minutes
25 reviews FastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥377.371 CNY = 14.2838 INR ₹708,799.72You pay¥50,000.00
Wise Pay via Alipay	Fee ¥1,033.70 1 CNY = 14.2838 INR -0.05% vs mid-market	Recipient gets ₹699,424.84 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by alipay. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥1,033.701 CNY = 14.2838 INR ₹699,424.84You pay¥50,000.00
How Our Results Work Mid-market rate: 1 CNY = 14.2770 INR Updates every 60 minutes.

Why compare

CNY/INR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from China to India

Pick a company

I suggest starting with Regency FX which is the cheapest option for sending 元50,000.

Regency FX was the cheapest on 30 of the 30 days it quoted 元50,000 transfers to India.

Fund your transfer

You have 2 ways to pay, including bank transfer and alipay.

A transfer from your Chinese bank account is the standard way, and you may be asked for the purpose of the transfer.

Some companies also take an Alipay top-up if you're a foreign resident.

Verify and send

What you need depends on who you are.

Foreign residents make transfers against a tax certificate, which is what sets your transfer limit.

Chinese citizens are limited by the yearly allowance, with the transfer purpose documented at the bank.

Compare amounts

How much CNY are you sending to India?

How much CNY you send to India 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 100% of all the transfers it quoted over the past month.

					Cheapest service
¥10,000	-0.06%	¥91.43	₹141,507.26with bank transfer to bank deposit	+₹935.86
¥50,000This page	0.27%	¥0.00	₹711,923.80with bank transfer to bank deposit	+₹5,207.68

Mid-market rate: 1 CNY = 14.2770 INR

CNY/INR Exchange Rate History

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

The cheapest way to send CNY to INR 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 50,000 CNY transfers to India.

Each line shows what the recipient gets when you send ¥50,000, after fees, as quoted by each company. The mid-market line shows what ¥50,000 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 INR per CNY 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 INR on every transfer from China.

Right now, Regency FX pays 711,923.8 INR on 50,000 CNY, which is 1,927.4 INR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 721,100.11 INR.

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 India.

We've tracked 46 comparisons to check how often today's top companies were the cheapest across 2 amounts over the past month.

Regency FXAppeared in 30 comparisons
Cheapest every time
WiseAppeared in 45 comparisons
Cheapest in 36% of them

Based on 46 comparisons across 2 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 and gets you the most INR, and it was also the cheapest in 100% of the 30 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to India.

Wise (today's second cheapest) was the cheapest in only 36% of its comparisons, so it's rarely the cheapest option for transfers to India.

Ways to send money from China to India

There are 2 companies that send money from China to India.

For sending salary abroad

Online transfers

Foreign residents can send their after-tax salary out of China to India.

The money transfer service will ask for tax records and set the sending limit based on verified income.

With Wise your recipient gets 708,799.72 INR on a 元50,000 transfer in within 3 hours.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

You can use Alipay to fund the transfer to India, but it can't send money abroad by itself.

For paying overseas suppliers

Global accounts

Documented trade payments are supported by invoices and sit outside the personal foreign-exchange allowance.

WorldFirst and Payoneer can manage regular business payments from China to India and foreign-currency balances.

Ways to fund CNY and receive INR in India

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 元50,000 gives your recipient 711,923.8 INR.

You pay for your transfer from China using bank transfer and alipay.

Paying through a mainland Chinese bank

Your bank may ask for the transfer purpose and supporting documents before allowing you to send money to India.

Education, family support and your own overseas expenses may require different evidence.

For withdrawal in India, you can choose bank deposit.

1

Bank transfer Bank deposit

You pay 元50,000.00

₹711,924

Cheapest
2

Alipay Bank deposit

You pay 元50,000.00

₹699,425

-₹12,499

Consider this when sending CNY to India

The legal route depends on whether you are a Chinese citizen converting personal foreign exchange or a foreign worker sending taxed salary abroad.

Compare the available CNY/INR options

There are 2 companies in this comparison for a CNY 50,000 transfer to India. This example assumes an eligible foreign worker is sending documented salary to an account in their own name.

Cheapest way to send money to India

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your account in India receives 711,923.8 INR, which is 0.44% more than the next best option.

Fastest way to send money to India

Wise delivers 708,799.72 INR in within 3 hours using the same bank transfer and bank deposit chain.

Chinese citizens have allowance

A Chinese citizen can normally purchase up to the equivalent of US$50,000 in foreign currency per calendar year for permitted personal current-account uses.

The allowance is not permission to buy overseas property or securities.

Do not borrow another person's allowance or split a payment to get around the rule.

For tuition or another documented overseas service, the bank can process the payment against the admission letter, invoice and other evidence it requests.

Foreign workers can send documented salary

A foreign resident's lawful after-tax salary follows a different route from the citizen allowance.

The bank or transfer company will usually ask for a passport, work or residence permit, tax record and evidence of salary.

The amount you can send is tied to income you can document.

Keep the tax certificate and bank salary records together before sending money home.

Alipay and WeChat Pay

Alipay can fund the Chinese side when a supported transfer company offers it.

Alipay and WeChat Pay do not provide unrestricted person-to-person transfers from China to India.

The transfer still needs a permitted purpose or documented taxed income.

Avoid any person who promises to move unlimited money through private accounts, crypto or somebody else's quota.

How we analyse the market

We only list companies that can send money out of mainland China, which is a short list and depends on whether you're a resident or a foreign national.

In the past 30 days alone, we analysed 46 comparisons across 2 amounts.

This page covers the cheapest and fastest options for CNY/INR 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.

We track 2 of them on CNY to India in real time on live comparisons, comparing rates, fees and payout options, and each goes through our review.

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.

Send money from China

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Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3101	–	₹715,506.05
Regency FX Cheapest	14.2715	¥0.00	₹713,574.18	−₹1,931.87
Wise	14.3212	¥377.36	₹710,655.75	−₹4,850.30

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3161	–	₹715,802.55
Regency FX Cheapest	14.2774	¥0.00	₹713,869.88	−₹1,932.67
Wise	14.3153	¥377.36	₹710,362.98	−₹5,439.57

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3162	–	₹715,808.20
Regency FX Cheapest	14.2775	¥0.00	₹713,875.52	−₹1,932.68
Wise	14.3124	¥377.36	₹710,219.07	−₹5,589.13

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3450	–	₹717,251.05
Regency FX Cheapest	14.3063	¥0.00	₹715,314.47	−₹1,936.58
Wise	14.3651	¥377.35	₹712,834.33	−₹4,416.72

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3404	–	₹717,022.35
Regency FX Cheapest	14.3017	¥0.00	₹715,086.39	−₹1,935.96
Wise	14.3396	¥377.36	₹711,568.81	−₹5,453.54

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3672	–	₹718,359.15
Regency FX Cheapest	14.3284	¥0.00	₹716,419.58	−₹1,939.57
Wise	14.3396	¥377.36	₹711,568.81	−₹6,790.34

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3547	–	₹717,736.05
Regency FX Cheapest	14.3160	¥0.00	₹715,798.16	−₹1,937.89
Wise	14.3567	¥377.36	₹712,417.36	−₹5,318.69

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3782	–	₹718,908.85
Regency FX Cheapest	14.3394	¥0.00	₹716,967.80	−₹1,941.05
Wise	14.3826	¥377.35	₹713,702.73	−₹5,206.12

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.4132	–	₹720,660.20
Regency FX Cheapest	14.3743	¥0.00	₹718,714.42	−₹1,945.78
Wise	14.4116	¥377.35	₹715,141.78	−₹5,518.42

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.4297	–	₹721,486.55
Regency FX Cheapest	14.3908	¥0.00	₹719,538.54	−₹1,948.01
Wise	14.4391	¥377.34	₹716,506.55	−₹4,980.00

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.4129	–	₹720,646.95
Regency FX Cheapest	14.3740	¥0.00	₹718,701.20	−₹1,945.75
Wise	14.4254	¥377.35	₹715,826.58	−₹4,820.37

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.4610	–	₹723,052.35
Regency FX Cheapest	14.4220	¥0.00	₹721,100.11	−₹1,952.24
Wise	14.3889	¥377.35	₹714,015.35	−₹9,037.00

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.3107	–	₹715,535.40
Regency FX Cheapest	14.2721	¥0.00	₹713,603.45	−₹1,931.95
Wise	14.3077	¥377.36	₹709,985.85	−₹5,549.55

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2206	–	₹711,030.85
Regency FX Cheapest	14.1822	¥0.00	₹709,111.07	−₹1,919.78
Wise	14.2183	¥377.38	₹705,549.30	−₹5,481.55

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1933	–	₹709,662.80
Regency FX Cheapest	14.1549	¥0.00	₹707,746.71	−₹1,916.09
Wise	14.2003	¥377.38	₹704,656.09	−₹5,006.71

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1956	–	₹709,782.20
Regency FX Cheapest	14.1573	¥0.00	₹707,865.79	−₹1,916.41
Wise	14.2041	¥377.38	₹704,844.66	−₹4,937.54

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2004	–	₹710,021.55
Regency FX Cheapest	14.1621	¥0.00	₹708,104.49	−₹1,917.06
Wise	14.2088	¥377.38	₹705,077.88	−₹4,943.67

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1926	–	₹709,629.40
Regency FX Cheapest	14.1543	¥0.00	₹707,713.40	−₹1,916.00
Wise	14.2098	¥377.38	₹705,127.51	−₹4,501.89

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1633	–	₹708,162.70
Regency FX Cheapest	14.1250	¥0.00	₹706,250.66	−₹1,912.04
Wise	14.1833	¥377.38	₹703,812.51	−₹4,350.19

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1956	–	₹709,779.70
Regency FX Cheapest	14.1573	¥0.00	₹707,863.29	−₹1,916.41
Wise No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1796	–	₹708,980.15
Regency FX Cheapest	14.1413	¥0.00	₹707,065.90	−₹1,914.25
Wise	14.1772	¥377.38	₹703,509.81	−₹5,470.34

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1815	–	₹709,074.15
Regency FX Cheapest	14.1432	¥0.00	₹707,159.65	−₹1,914.50
Wise	14.1900	¥377.38	₹704,144.98	−₹4,929.17

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2175	–	₹710,877.45
Regency FX Cheapest	14.1792	¥0.00	₹708,958.08	−₹1,919.37
Wise	14.2293	¥377.37	₹706,095.29	−₹4,782.16

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2175	–	₹710,877.40
Regency FX Cheapest	14.1792	¥0.00	₹708,958.03	−₹1,919.37
Wise	14.2420	¥377.37	₹706,725.50	−₹4,151.90

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2474	–	₹712,369.25
Regency FX Cheapest	14.2089	¥0.00	₹710,445.85	−₹1,923.40
Wise	14.2683	¥377.37	₹708,030.57	−₹4,338.68

How to send money to India from China with the best CNY-INR rate

Best companies for CNY/INR transfers