Best companies for EUR/CNY transfers
7 of 7 providers Last updated on 28 October 2026
Based on 7,000 EUR transfer Best companies for EUR/CNY transfers Sort Cheapest
Promoted Wise Pay via Debit card	Fee €417.31 1 EUR = 7.4149 CNY 0.00% vs mid-market	Recipient gets ¥48,809.79 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 €417.311 EUR = 7.4149 CNY ¥48,809.79You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3317 CNY +1.13% vs mid-market	Recipient gets ¥51,321.90 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 = 7.3317 CNY ¥51,321.90You pay€7,000.00
Run a live search Showing top Finland 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 = 7.3948 CNY +0.27% vs mid-market	Recipient gets ¥51,763.45 Minutes - 24 hours
9 reviews Cheapest 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 = 7.3948 CNY ¥51,763.45You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.3926 CNY +0.30% vs mid-market	Recipient gets ¥51,747.88 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 = 7.3926 CNY ¥51,747.88You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 7.3777 CNY +0.50% vs mid-market	Recipient gets ¥51,644.07 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 = 7.3777 CNY ¥51,644.07You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3317 CNY +1.13% vs mid-market	Recipient gets ¥51,321.90 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 = 7.3317 CNY ¥51,321.90You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 7.3317 CNY +1.13% vs mid-market	Recipient gets ¥51,321.90 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 = 7.3317 CNY ¥51,321.90You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 7.3317 CNY +1.13% vs mid-market	Recipient gets ¥51,321.90 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 = 7.3317 CNY ¥51,321.90You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 7.3110 CNY +1.40% vs mid-market	Recipient gets ¥51,176.94 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 = 7.3110 CNY ¥51,176.94You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 7.2300 CNY +2.52% vs mid-market	Recipient gets ¥50,610.00 Minutes
0 reviews Receive to bank account
Ways to receive money in China with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin Free1 EUR = 7.2300 CNY ¥50,610.00You pay€7,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 EUR = 7.2300 CNY ¥50,610.00You pay€7,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 EUR = 7.2300 CNY ¥50,610.00You pay€7,000.00
Wise Pay via Debit card	Fee €417.31 1 EUR = 7.4149 CNY 0.00% vs mid-market	Recipient gets ¥48,809.79 Within minutes
25 reviews FastestRecommended 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 €417.311 EUR = 7.4149 CNY ¥48,809.79You pay€7,000.00

Wise Pay via Credit card	Fee €417.31 1 EUR = 7.4149 CNY 0.00% vs mid-market	Recipient gets ¥48,809.79 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 €417.311 EUR = 7.4149 CNY ¥48,809.79You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 7.4148 CNY Updates every 60 minutes.

Why compare

EUR/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to China

Pick a company

For a one-off EUR transfer to China, start with Regency FX.

Regency FX was the cheapest on 30 of the 30 days it quoted €7,000 transfers to China.

On a 7,000 EUR transfer, Regency FX delivers the most CNY.

The cheapest option depends on the amount, so I suggest to get the best EUR/CNY rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Select how you want the recipient to pick up the money. For transfers to China they can receive it via bank deposit, mobile wallet, and card deposit.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Compare amounts

How much EUR are you sending to China?

How much EUR you send to China 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 the transfers from €2,000 it quoted, and in 100% of all the transfers it quoted.


€500	0.33%	€0.00	¥3,696.22with debit card to bank deposit	+¥45.58
€2,000	0.65%	€0.00	¥14,735.17with bank transfer to bank deposit	+¥123.23
€7,000This page	0.27%	€0.00	¥51,763.45with bank transfer to bank deposit	+¥910.69

Mid-market rate: 1 EUR = 7.4148 CNY

EUR/CNY Exchange Rate History

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

The cheapest way to send EUR to CNY 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 7,000 EUR transfers to China.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 CNY per EUR 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 CNY on every transfer from Finland.

Right now, Regency FX pays 51,763.45 CNY on 7,000 EUR, which is 140.14 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 53,145.72 CNY.

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 China.

We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

Regency FXAppeared in 30 comparisons
Cheapest every time
TorFxAppeared in 30 comparisons
Never the cheapest
OFXAppeared in 61 comparisons
Cheapest in 25% of them

Based on 62 comparisons across 3 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, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Finland to China

7 companies send money from Finland to China, mostly through broker, online, app, global account, and multi-currency account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Xe will get you 51,321.9 CNY on a €7,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 22 of the 30 days it quoted.

If it's the only time you send money to China, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Xe charges €0 on a €7,000 transfer, and 51,321.9 CNY arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 97% of the days it appeared for €7,000 transfers.

In China they can receive money via bank deposit, mobile wallet, and card deposit.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise let you hold EUR and CNY balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to CNY with Wise gets you 48,809.79 CNY (€417.31 in fees and 0% markup).

This is especially useful for travel since you are spending in CNY (no extra fees from Wise, only local ATMs).

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to China.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to China. They charge no fees and add a markup on the rate.

Regency FX charges no fee but adds 0.27% markup on top of the EUR/CNY rate.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €2,000 it quoted.

Ways to fund EUR and receive CNY in China

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 51,763.45 CNY.

To pay for your transfer in Finland, you have bank transfer, debit card, and credit card.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to China directly.

For withdrawals in China, use bank deposit, mobile wallet, and card deposit.

Receive CNY

The name should match the account holder's bank record, so double check it before sending.

1

Bank transfer Bank deposit

You pay €7,000.00

元51,763

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

元51,322

-元442
3

Credit card Bank deposit

You pay €7,000.00

元51,322

-元442
4

Debit card Mobile wallet

You pay €7,000.00

元50,610

-元1,153
5

Debit card Card deposit

You pay €7,000.00

元50,610

-元1,153

What to consider before sending money from Finland to China

For a transfer from Finland, compare the CNY received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/CNY transfer options

For a €7,000 transfer to China, these are the current cheapest, fastest and easiest options.

Cheapest

Regency FX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 51,763.45 CNY, which is 0.03% more than the next best option.

Fastest

Wise delivers 48,809.79 CNY in within minutes when you pay by debit card and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in China.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 7 of them on EUR to China, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

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

Nothing appears without passing our review.

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 Finland

Send money to China

Send money from United States to China Send money from India to China Send money from Nigeria to China Send money from Germany to China Send money from France to China Send money from United Kingdom to China Send money from Spain to China Send money from Canada to China Send money from South Africa to China Send money from Netherlands to China Send money from Philippines to China

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6128	–	¥53,289.60
Regency FX Cheapest	7.5922	€0.00	¥53,145.72	−¥143.88
TorFx	7.5900	€0.00	¥53,129.73	−¥159.87
OFX	7.5747	€0.00	¥53,023.15	−¥266.45

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6097	–	¥53,268.24
Regency FX Cheapest	7.5892	€0.00	¥53,124.42	−¥143.82
TorFx	7.5869	€0.00	¥53,108.44	−¥159.80
OFX	7.5717	€0.00	¥53,001.90	−¥266.34

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5790	–	¥53,052.92
Regency FX Cheapest	7.5585	€0.00	¥52,909.67	−¥143.25
TorFx	7.5563	€0.00	¥52,893.76	−¥159.16
OFX	7.5411	€0.00	¥52,787.65	−¥265.27

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5494	–	¥52,845.84
Regency FX Cheapest	7.5290	€0.00	¥52,703.15	−¥142.68
TorFx	7.5268	€0.00	¥52,687.30	−¥158.53
OFX	7.5117	€0.00	¥52,581.61	−¥264.22

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5489	–	¥52,842.24
Regency FX Cheapest	7.5285	€0.00	¥52,699.56	−¥142.68
TorFx	7.5262	€0.00	¥52,683.71	−¥158.53
OFX	7.5111	€0.00	¥52,578.03	−¥264.21

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5060	–	¥52,541.73
Regency FX Cheapest	7.4857	€0.00	¥52,399.87	−¥141.86
TorFx	7.4834	€0.00	¥52,384.11	−¥157.62
OFX	7.4684	€0.00	¥52,279.03	−¥262.70

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5177	–	¥52,623.62
Regency FX Cheapest	7.4974	€0.00	¥52,481.54	−¥142.08
TorFx	7.4951	€0.00	¥52,465.75	−¥157.87
OFX	7.4801	€0.00	¥52,360.50	−¥263.12

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5202	–	¥52,641.15
Regency FX Cheapest	7.4999	€0.00	¥52,499.02	−¥142.13
TorFx	7.4976	€0.00	¥52,483.22	−¥157.93
OFX	7.4826	€0.00	¥52,377.94	−¥263.21

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5055	–	¥52,538.80
Regency FX Cheapest	7.4853	€0.00	¥52,396.95	−¥141.85
TorFx	7.4830	€0.00	¥52,381.18	−¥157.62
OFX	7.4680	€0.00	¥52,276.11	−¥262.69

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5251	–	¥52,675.67
Regency FX Cheapest	7.5048	€0.00	¥52,533.45	−¥142.22
TorFx	7.5025	€0.00	¥52,517.64	−¥158.03
OFX	7.4875	€0.00	¥52,412.29	−¥263.38

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4982	–	¥52,487.21
Regency FX Cheapest	7.4779	€0.00	¥52,345.50	−¥141.71
TorFx	7.4757	€0.00	¥52,329.75	−¥157.46
OFX	7.4607	€0.00	¥52,224.77	−¥262.44

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4981	–	¥52,486.85
Regency FX Cheapest	7.4779	€0.00	¥52,345.13	−¥141.72
TorFx	7.4756	€0.00	¥52,329.39	−¥157.46
OFX	7.4606	€0.00	¥52,224.41	−¥262.44

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4828	–	¥52,379.45
Regency FX Cheapest	7.4626	€0.00	¥52,238.03	−¥141.42
TorFx	7.4603	€0.00	¥52,222.31	−¥157.14
OFX	7.4454	€0.00	¥52,117.56	−¥261.89

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4907	–	¥52,435.17
Regency FX Cheapest	7.4705	€0.00	¥52,293.60	−¥141.57
TorFx	7.4683	€0.00	¥52,277.87	−¥157.30
OFX	7.4533	€0.00	¥52,173.00	−¥262.17

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5033	–	¥52,523.35
Regency FX Cheapest	7.4831	€0.00	¥52,381.53	−¥141.82
TorFx	7.4808	€0.00	¥52,365.77	−¥157.58
OFX	7.4658	€0.00	¥52,260.73	−¥262.61

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5202	–	¥52,641.61
Regency FX Cheapest	7.4999	€0.00	¥52,499.48	−¥142.13
TorFx	7.4977	€0.00	¥52,483.69	−¥157.92
OFX	7.4826	€0.00	¥52,378.40	−¥263.21

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5190	–	¥52,633.12
Regency FX Cheapest	7.4987	€0.00	¥52,491.01	−¥142.11
TorFx	7.4965	€0.00	¥52,475.22	−¥157.90
OFX	7.4814	€0.00	¥52,369.95	−¥263.17

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4967	–	¥52,477.05
Regency FX Cheapest	7.4765	€0.00	¥52,335.36	−¥141.69
TorFx	7.4742	€0.00	¥52,319.62	−¥157.43
OFX	7.4592	€0.00	¥52,214.66	−¥262.39

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4996	–	¥52,497.32
Regency FX Cheapest	7.4794	€0.00	¥52,355.58	−¥141.74
TorFx	7.4771	€0.00	¥52,339.83	−¥157.49
OFX	7.4621	€0.00	¥52,234.83	−¥262.49

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4958	–	¥52,470.70
Regency FX Cheapest	7.4756	€0.00	¥52,329.03	−¥141.67
TorFx	7.4733	€0.00	¥52,313.29	−¥157.41
OFX	7.4583	€0.00	¥52,208.34	−¥262.36

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5029	–	¥52,520.45
Regency FX Cheapest	7.4827	€0.00	¥52,378.64	−¥141.81
TorFx	7.4804	€0.00	¥52,362.89	−¥157.56
OFX	7.4654	€0.00	¥52,257.84	−¥262.61

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4807	–	¥52,364.96
Regency FX Cheapest	7.4605	€0.00	¥52,223.58	−¥141.38
TorFx	7.4583	€0.00	¥52,207.87	−¥157.09
OFX	7.4433	€0.00	¥52,103.14	−¥261.82

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4810	–	¥52,366.87
Regency FX Cheapest	7.4608	€0.00	¥52,225.48	−¥141.39
TorFx	7.4585	€0.00	¥52,209.77	−¥157.10
OFX	7.4436	€0.00	¥52,105.03	−¥261.84

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4850	–	¥52,394.68
Regency FX Cheapest	7.4647	€0.00	¥52,253.21	−¥141.47
TorFx	7.4625	€0.00	¥52,237.49	−¥157.19
OFX	7.4475	€0.00	¥52,132.70	−¥261.98

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4447	–	¥52,112.75
Regency FX Cheapest	7.4246	€0.00	¥51,972.05	−¥140.70
TorFx	7.4223	€0.00	¥51,956.41	−¥156.34
OFX	7.4075	€0.00	¥51,852.19	−¥260.56

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

Best companies for EUR/CNY transfers