Regency FX is the best and cheapest service overall. On €7,000 you will get 53,326.37 CNY after fees and the exchange rate.
We’ve compared 7 money transfer companies in more detail below.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/CNY transfers | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 7.5569 CNY +1.08% vs mid-market | Recipient gets ¥52,898.30 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.5569 CNY ¥52,898.30You pay€7,000.00 | |||
| Promoted  TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 7.6158 CNY +0.30% vs mid-market | Recipient gets ¥53,310.33 Minutes - 24 hours | |
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.6158 CNY ¥53,310.33You pay€7,000.00 | |||
Run a live search Showing top Germany to China deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in China. | |||
Run a live search These are managed services with real human support for large EUR 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 EUR = 7.6181 CNY +0.27% vs mid-market | Recipient gets ¥53,326.37 Minutes - 24 hours | |
Ways to receive money in China with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.6181 CNY ¥53,326.37You pay€7,000.00 | |||
| TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 7.6158 CNY +0.30% vs mid-market | Recipient gets ¥53,310.33 Minutes - 24 hours | |
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.6158 CNY ¥53,310.33You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 7.6005 CNY +0.50% vs mid-market | Recipient gets ¥53,203.39 Minutes - 24 hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.6005 CNY ¥53,203.39You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 7.5569 CNY +1.08% vs mid-market | Recipient gets ¥52,898.30 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.5569 CNY ¥52,898.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 7.5569 CNY +1.08% vs mid-market | Recipient gets ¥52,898.30 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.5569 CNY ¥52,898.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 7.5569 CNY +1.08% vs mid-market | Recipient gets ¥52,898.30 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.5569 CNY ¥52,898.30You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 7.5317 CNY +1.40% vs mid-market | Recipient gets ¥52,722.15 Minutes - 2 days | |
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 7.5317 CNY ¥52,722.15You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 7.4970 CNY +1.87% vs mid-market | Recipient gets ¥52,479.00 Minutes - 24 hours | |
Ways to receive money in China with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat €9.991 EUR = 7.4970 CNY ¥52,479.00You pay€7,009.99 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €9.991 EUR = 7.3925 CNY ¥51,747.50You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 7.4970 CNY +1.87% vs mid-market | Recipient gets ¥52,479.00 Minutes - 24 hours | |
Ways to receive money in China with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat €9.991 EUR = 7.4970 CNY ¥52,479.00You pay€7,009.99 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €9.991 EUR = 7.3925 CNY ¥51,747.50You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 7.4970 CNY +1.87% vs mid-market | Recipient gets ¥52,479.00 Minutes - 24 hours | |
Ways to receive money in China with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat €9.991 EUR = 7.4970 CNY ¥52,479.00You pay€7,009.99 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €9.991 EUR = 7.3925 CNY ¥51,747.50You pay€7,009.99 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 7.4500 CNY +2.50% vs mid-market | Recipient gets ¥52,150.00 Minutes | |
Ways to receive money in China with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin Free1 EUR = 7.4500 CNY ¥52,150.00You pay€7,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 EUR = 7.4500 CNY ¥52,150.00You pay€7,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 EUR = 7.4500 CNY ¥52,150.00You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 7.6387 CNY Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.
On a 7,000 EUR transfer, Regency FX delivers the most CNY.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/CNY rate.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 7 companies for sending money from Germany to China, across broker, online, app, in person, and global account, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to China gets you 52,898.3 CNY with a €0 fee and 1.08% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to China.
For large transfers from Germany
For buying property, moving to China, or moving pensions, a currency broker is the best option.
A broker like Regency FX charges no fee and works on a margin. It adds 0.27% on EUR/CNY which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to China.
Be it overseas suppliers and contractors, receiving CNY payments, or holding CNY and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 53,326.37 CNY.
You can pay for the transfer using bank transfer, debit card, and credit card.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to China.
The recipient in China can receive CNY by bank deposit, mobile wallet, and card deposit.
To receive CNY by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
You pay €7,000.00
元53,326
Cheapest
You pay €7,000.00
元52,898
-元428
You pay €7,000.00
元52,898
-元428
You pay €7,009.99
元52,479
-元847
You pay €7,009.99
元52,479
-元847
You pay €7,009.99
元52,479
-元847
You pay €7,000.00
元52,150
-元1,176
You pay €7,009.99
元51,748
-元1,579
You pay €7,009.99
元51,748
-元1,579
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to China, these are the best options:
Cheapest way to send money to China
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 53,326.37 CNY, which is 0.03% more than the next best option.
Fastest way to send money to China
The fastest option is TapTap Send. Pay by debit card and choose mobile wallet for the payout. Your recipient gets 52,150 CNY in minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into CNY sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/CNY rate can move noticeably within a week, changing the amount your recipient gets in CNY.
Mid-market rate:1 EUR = 7.628349 CNY
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 7 of them on EUR to China, comparing rates, fees and the pay-in and payout options.
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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