Best companies for CNY/USD transfers
3 of 3 providers Last updated on 10 November 2026
Based on 50,000 CNY transfer Best companies for CNY/USD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ¥331.86 1 CNY = 0.1499 USD -0.04% vs mid-market	Recipient gets $7,446.15 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥331.861 CNY = 0.1499 USD $7,446.15You pay¥50,000.00
Promoted Regency FX Pay via Bank transfer	Fee ¥0.00 1 CNY = 0.1495 USD +0.27% vs mid-market	Recipient gets $7,472.87 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 0.1495 USD $7,472.87You 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 = 0.1495 USD +0.27% vs mid-market	Recipient gets $7,472.87 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 0.1495 USD $7,472.87You pay¥50,000.00
Wise Pay via Bank transfer	Fee ¥331.86 1 CNY = 0.1499 USD -0.04% vs mid-market	Recipient gets $7,446.15 Within minutes
25 reviews FastestOur top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥331.861 CNY = 0.1499 USD $7,446.15You pay¥50,000.00
Moneycorp Pay via Bank transfer	Fee ¥0.00 1 CNY = 0.1478 USD +1.40% vs mid-market	Recipient gets $7,388.20 Minutes - 2 days
0 reviews
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CNY = 0.1478 USD $7,388.20You pay¥50,000.00
Wise Pay via Alipay	Fee ¥989.43 1 CNY = 0.1499 USD -0.04% vs mid-market	Recipient gets $7,347.57 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by alipay. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥989.431 CNY = 0.1499 USD $7,347.57You pay¥50,000.00
How Our Results Work Mid-market rate: 1 CNY = 0.1499 USD Updates every 60 minutes.

Why compare

CNY/USD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from China to US

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 the US.

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 US?

How much CNY you send to the US 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	-0.04%	¥85.39	$1,486.38with bank transfer to bank deposit	+$9.94
¥50,000This page	0.27%	¥0.00	$7,472.87with bank transfer to bank deposit	+$59.17

Mid-market rate: 1 CNY = 0.1499 USD

CNY/USD Exchange Rate History

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

The cheapest way to send CNY to USD 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 the US.

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 USD 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 USD on every transfer from China.

Right now, Regency FX pays 7,472.87 USD on 50,000 CNY, which is 20.23 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7,500.39 USD.

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 the US.

We've tracked 59 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 59 comparisons
Cheapest in 47% of them
MoneycorpAppeared in 59 comparisons
Never the cheapest

Based on 59 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 USD, 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 the US.

Wise (today's second cheapest) was the cheapest in only 47% of its comparisons, so it's rarely the cheapest option for transfers to the US.

Ways to send money from China to US

There are 3 companies that send money from China to the United States.

For sending salary abroad

Online transfers

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

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

With Wise your recipient gets 7,446.15 USD on a 元50,000 transfer in same day.

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

You can use Alipay to fund the transfer to the US, 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 the US and foreign-currency balances.

Ways to fund CNY and receive USD in US

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 元50,000 gives your recipient 7,472.87 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 the US.

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

For withdrawal in the United States, you can choose bank deposit.

1

Bank transfer Bank deposit

You pay 元50,000.00

$7,473

Cheapest
2

Alipay Bank deposit

You pay 元50,000.00

$7,348

-$125

Consider this when sending CNY to US

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/USD options

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 7,472.87 USD, which is 0.36% more than the next best option.

Fastest way to send money to the United States

Wise delivers 7,446.15 USD in same day 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 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.

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 59 comparisons across 2 amounts.

This page covers the cheapest and fastest options for CNY/USD 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 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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Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1494	–	$7,471.45
Regency FX Cheapest	0.1490	¥0.00	$7,451.28	−$20.17
Wise	0.1494	¥331.86	$7,420.12	−$51.33
Moneycorp	0.1473	¥0.00	$7,366.85	−$104.60

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1494	–	$7,471.45
Regency FX Cheapest	0.1490	¥0.00	$7,451.28	−$20.17
Wise	0.1493	¥331.86	$7,416.94	−$54.51
Moneycorp	0.1473	¥0.00	$7,366.85	−$104.60

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1494	–	$7,471.45
Regency FX Cheapest	0.1490	¥0.00	$7,451.28	−$20.17
Wise	0.1494	¥331.86	$7,420.97	−$50.48
Moneycorp	0.1473	¥0.00	$7,366.85	−$104.60

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1494	–	$7,470.75
Regency FX Cheapest	0.1490	¥0.00	$7,450.58	−$20.17
Wise	0.1494	¥331.86	$7,420.72	−$50.03
Moneycorp	0.1473	¥0.00	$7,366.16	−$104.59

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1494	–	$7,472.50
Regency FX Cheapest	0.1490	¥0.00	$7,452.32	−$20.18
Wise	0.1495	¥331.86	$7,424.59	−$47.91
Moneycorp	0.1474	¥0.00	$7,367.89	−$104.61

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1497	–	$7,486.00
Regency FX Cheapest	0.1493	¥0.00	$7,465.79	−$20.21
Wise	0.1497	¥331.86	$7,435.87	−$50.13
Moneycorp	0.1476	¥0.00	$7,381.20	−$104.80

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1497	–	$7,487.20
Regency FX Cheapest	0.1493	¥0.00	$7,466.98	−$20.22
Wise	0.1497	¥331.86	$7,435.47	−$51.73
Moneycorp	0.1476	¥0.00	$7,382.38	−$104.82

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1500	–	$7,498.10
Regency FX Cheapest	0.1496	¥0.00	$7,477.86	−$20.24
Wise	0.1500	¥331.86	$7,447.84	−$50.26
Moneycorp	0.1479	¥0.00	$7,393.13	−$104.97

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1500	–	$7,500.70
Regency FX Cheapest	0.1496	¥0.00	$7,480.45	−$20.25
Wise	0.1501	¥331.86	$7,455.98	−$44.72
Moneycorp	0.1479	¥0.00	$7,395.69	−$105.01

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1501	–	$7,506.25
Regency FX Cheapest	0.1497	¥0.00	$7,485.98	−$20.27
Wise	0.1502	¥331.86	$7,458.22	−$48.03
Moneycorp	0.1480	¥0.00	$7,401.16	−$105.09

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1504	–	$7,520.70
Regency FX Cheapest	0.1500	¥0.00	$7,500.39	−$20.31
Wise	0.1499	¥331.86	$7,444.16	−$76.54
Moneycorp	0.1483	¥0.00	$7,415.41	−$105.29

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1497	–	$7,484.00
Regency FX Cheapest	0.1493	¥0.00	$7,463.79	−$20.21
Wise	0.1497	¥331.86	$7,434.77	−$49.23
Moneycorp	0.1476	¥0.00	$7,379.22	−$104.78

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1499	–	$7,496.45
Regency FX Cheapest	0.1495	¥0.00	$7,476.21	−$20.24
Wise	0.1499	¥331.86	$7,447.04	−$49.41
Moneycorp	0.1478	¥0.00	$7,391.50	−$104.95

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1495	–	$7,475.50
Regency FX Cheapest	0.1491	¥0.00	$7,455.32	−$20.18
Wise	0.1499	¥331.86	$7,446.40	−$29.10
Moneycorp	0.1474	¥0.00	$7,370.84	−$104.66

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1498	–	$7,488.95
Regency FX Cheapest	0.1494	¥0.00	$7,468.73	−$20.22
Wise	0.1498	¥331.86	$7,442.57	−$46.38
Moneycorp	0.1477	¥0.00	$7,384.10	−$104.85

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.1499	–	$7,493.10
Regency FX Cheapest	0.1495	¥0.00	$7,472.87	−$20.23
Wise	0.1499	¥331.86	$7,446.15	−$46.95
Moneycorp	0.1478	¥0.00	$7,388.20	−$104.90

How to send money to the US from China with the best CNY-USD rate

Best companies for CNY/USD transfers