Best companies for EUR/CNY transfers
8 of 8 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/CNY exchange rates from our comparisons. This page updates weekly. We collect, store, and analyze EUR/CNY exchange rates from our comparisons.
Based on 6,000 EUR transfer Best companies for EUR/CNY transfers All money transfer offers for EUR/CNY transfers, sorted by most CNY received. The first two offers may be sponsored promotions. Some offers here pay us a commission. All money transfer offers for EUR/CNY transfers, sorted by most CNY received. The first two offers may be sponsored promotions. Some offers here pay us a commission. Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €62.50 1 EUR = 7.8084 CNY +0.03% vs mid-market	Recipient gets ¥46,362.38 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 €62.501 EUR = 7.8084 CNY ¥46,362.38You pay€6,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 7.7251 CNY +1.10% vs mid-market	Recipient gets ¥46,350.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7251 CNY ¥46,350.60You pay€6,000.00
Run a live search Showing top Spain to China deals for 6,000 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 = 7.7894 CNY +0.27% vs mid-market	Recipient gets ¥46,736.68 Minutes - 24 hours
9 reviews CheapestUsing Bank transfer with Regency FX is the cheapest way to send money to China from Spain. Using Bank transfer with Regency FX is the cheapest way to send money to China from Spain. Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in China with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7894 CNY ¥46,736.68You pay€6,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.7871 CNY +0.30% vs mid-market	Recipient gets ¥46,722.62 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7871 CNY ¥46,722.62You pay€6,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 7.7715 CNY +0.50% vs mid-market	Recipient gets ¥46,628.89 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 EUR = 7.7715 CNY ¥46,628.89You pay€6,000.00
Western Union Pay via Debit card	Fee €0.00 1 EUR = 7.7455 CNY +0.84% vs mid-market	Recipient gets ¥46,473.18 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 EUR = 7.7455 CNY ¥46,473.18You pay€6,000.00

Western Union Pay via Bank transfer	Fee €0.00 1 EUR = 7.7455 CNY +0.84% vs mid-market	Recipient gets ¥46,473.18 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 EUR = 7.7455 CNY ¥46,473.18You pay€6,000.00
Wise Pay via Bank transfer	Fee €62.50 1 EUR = 7.8084 CNY +0.03% vs mid-market	Recipient gets ¥46,362.38 Within minutes
25 reviews FastestWise with Bank transfer deposit is the fastest way to send EUR to China. Wise with Bank transfer deposit is the fastest way to send EUR to China. RecommendedBased on our editorial reviews, Wise is our recommended way to send money from Spain to China. Based on our editorial reviews, Wise is our recommended way to send money from Spain to China. 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 €62.501 EUR = 7.8084 CNY ¥46,362.38You pay€6,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 7.7251 CNY +1.10% vs mid-market	Recipient gets ¥46,350.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7251 CNY ¥46,350.60You pay€6,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 7.7251 CNY +1.10% vs mid-market	Recipient gets ¥46,350.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7251 CNY ¥46,350.60You pay€6,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 7.7251 CNY +1.10% vs mid-market	Recipient gets ¥46,350.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in China with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 7.7251 CNY ¥46,350.60You pay€6,000.00
Wise Pay via iDEAL/WERO	Fee €71.17 1 EUR = 7.8084 CNY +0.03% vs mid-market	Recipient gets ¥46,294.68 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 ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €71.171 EUR = 7.8084 CNY ¥46,294.68You pay€6,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 7.7012 CNY +1.40% vs mid-market	Recipient gets ¥46,207.13 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 EUR = 7.7012 CNY ¥46,207.13You pay€6,000.00
Wise Pay via Debit card	Fee €109.17 1 EUR = 7.8084 CNY +0.03% vs mid-market	Recipient gets ¥45,997.96 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 debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €109.171 EUR = 7.8084 CNY ¥45,997.96You pay€6,000.00
Wise Pay via Credit card	Fee €144.83 1 EUR = 7.8084 CNY +0.03% vs mid-market	Recipient gets ¥45,719.51 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 credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €144.831 EUR = 7.8084 CNY ¥45,719.51You pay€6,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 7.6100 CNY +2.60% vs mid-market	Recipient gets ¥45,660.00 Minutes
0 reviews Receive to bank account
Ways to receive money in China with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 7.6100 CNY ¥45,660.00You pay€6,000.00 Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin Free1 EUR = 7.6100 CNY ¥45,660.00You pay€6,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 EUR = 7.6100 CNY ¥45,660.00You pay€6,000.00
How Our Results Work Mid-market rate: 1 EUR = 7.810535 CNY Updates every 60 minutes.

Why compare

EUR/CNY exchange rate

Best ways to pay & receive

Transfer speed

Historic EUR/CNY options

How to send money from Spain to China

Pick a company

For a one-off transfer from Spain to China, I suggest picking Regency FX, it will get you the most China

The best option will change depending on the amount, so it's good to to get the best EUR/CNY rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.

Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Ways to send money from Spain to China

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

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to China.

Western Union charges €0 on a €6,000 transfer and pays out 46,473.18 CNY in minutes - 2 days, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

You can pay for the transfers via bank transfer, debit card, credit card, and ideal, but Bizum is usually not accepted as a funding method.

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay Western Union the €6,000 by card or transferencia, and they can collect cash in China.

Worth noting, cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

For medium sized or one-off transfers to China, an online money transfer service funded from your bank account is better than any bank.

Western Union turns €6,000 into 46,473.18 CNY with a €0 fee and 0.84% markup.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to China. This can be things like selling property, moving a pension, moving back home, etc…

Regency FX charges no fee and works on a margin (~0.27% on EUR/CNY), with a person on the phone, and offices in Spain if you'd rather sit down with someone.

For getting paid and spending abroad

Multi-currency accounts

If you often receive CNY (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive CNY like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with CNY support is offered by Wise.

For example, converting €6,000 gets you 46,362.38 CNY.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to China.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive CNY in China

How you fund the transfer and how your recipient receives it affect the fees and how much CNY they get.

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €6,000 gives your recipient 46,736.68 CNY.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and ideal.

Bizum only supports domestic transfers in Spain, so it cannot send money to China directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to China depends on the company's payout time and delivery method.

In China, the recipient can use bank deposit, mobile wallet, and card deposit to receive money.

Payout is available through .

Collect cash in China

Some locutorios in Spain can arrange international transfers to China.

Check that the location serves China and whether it accepts card or cash before visiting.

1

Bank transfer Bank deposit

You pay €6,000.00

元46,737

Cheapest
2

Debit card Bank deposit

You pay €6,000.00

元46,473

-元264
3

Credit card Bank deposit

You pay €6,000.00

元46,351

-元386
4

Ideal Bank deposit

You pay €6,000.00

元46,295

-元442
5

Debit card Mobile wallet

You pay €6,000.00

元45,660

-元1,077

Show moreShow less

6

Debit card Card deposit

You pay €6,000.00

元45,660

-元1,077

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to China.

Find the best EUR/CNY transfer

These are the current best options for sending €6,000 to China:

Cheapest option

Use 元46,736.68, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 46,736.68 CNY, which is 0.03% more than the next best option.

Fastest option

With Wise, a bank transfer payment to bank deposit gives your recipient 46,362.38 CNY in within minutes.

SEPA & CNY are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to China is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to China.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

Live EUR-CNY Exchange Rate

Finding the best rate to send money from Spain to China

The exchange rate has a direct impact on how much CNY your recipient gets. A weekly comparison makes it easier to judge today's EUR/CNY rate.

Mid-market rate:1 EUR = 7.804736 CNY

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself.

We track 8 of them on EUR to CNY, comparing fees, rates and the ways money can be paid in and collected. Each one also goes through our own review.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

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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How to send money to China from Spain with the best EUR-CNY rate

Best companies for EUR/CNY transfers

Transfer details