Regency FX is cheapest for sending money to the United States when you pay by bank transfer and receive by bank deposit. Sending CNY 50,000 gets you 7,424 USD.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze CNY/USD exchange rates from our comparisons. | |||
| Based on 50,000 CNY transfer Best companies for CNY/USD transfersAll money transfer offers for CNY/USD transfers, sorted by most USD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee ¥331.86 1 CNY = 0.1489 USD -0.01% vs mid-market | Recipient gets $7,395.78 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ¥331.861 CNY = 0.1489 USD $7,395.78You pay¥50,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee ¥0.00 1 CNY = 0.1485 USD +0.27% vs mid-market | Recipient gets $7,424.00 Minutes - 24 hours | |
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 0.1485 USD $7,424.00You pay¥50,000.00 | |||
Run a live search Showing top China to United States 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 USD rates. | |||
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much CNY you're planning to spend in United States. | |||
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 = 0.1485 USD +0.27% vs mid-market | Recipient gets $7,424.00 Minutes - 24 hours | |
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 0.1485 USD $7,424.00You pay¥50,000.00 | |||
| Wise Pay via Bank transfer | Fee ¥331.86 1 CNY = 0.1489 USD -0.01% vs mid-market | Recipient gets $7,395.78 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ¥331.861 CNY = 0.1489 USD $7,395.78You pay¥50,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee ¥0.00 1 CNY = 0.1468 USD +1.40% vs mid-market | Recipient gets $7,339.88 Minutes - 2 days | |
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CNY = 0.1468 USD $7,339.88You pay¥50,000.00 | |||
| Wise Pay via Alipay | Fee ¥989.43 1 CNY = 0.1489 USD -0.01% vs mid-market | Recipient gets $7,297.87 Same day | |
Ways to receive money in US with Wise when paying by alipay. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ¥989.431 CNY = 0.1489 USD $7,297.87You pay¥50,000.00 | |||
| How Our Results Work Mid-market rate: 1 CNY = 0.148882 USD Updates every 60 minutes. | |||
Transfer details
I suggest starting with Regency FX which is the cheapest option for sending 元50,000.
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.
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.
There are 3 companies that send money from China to the United States.
For sending salary abroad
Foreign residents can send their after-tax salary out of China to US.
The money transfer service will ask for tax records and set the sending limit based on verified income.
With Wise your recipient gets 7,395.78 USD on 元50,000 transfer in same day.
For paying overseas suppliers
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 US and foreign-currency balances.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 元50,000 gives your recipient 7,424 USD.
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 US.
Education, family support and your own overseas expenses may require different evidence.
For withdrawal in the United States, you can choose bank deposit.
You pay 元50,000.00
$7,424
Cheapest
You pay 元50,000.00
$7,298
-$126
The legal route depends on whether you are a Chinese citizen converting personal foreign exchange or a foreign worker sending taxed salary abroad.
There are 3 companies in this comparison for a CNY 50,000 transfer to the United States. This example assumes an eligible foreign worker is sending documented salary to an account in their own name.
Cheapest way to send money to the United States
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your account in the United States receives 7,424 USD, which is 0.38% more than the next best option.
Fastest way to send money to the United States
Wise delivers 7,395.78 USD in same day using the same bank transfer and bank deposit chain.
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.
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 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 the United States.
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.
The rate affects how much USD reaches the account for your CNY.
Mid-market rate:1 CNY = 0.148882 USD
We only list companies that can genuinely send money out of mainland China, which is a short list and depends on whether you're a resident or a foreign national.
We track 3 of them on CNY to the United States 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.
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