Best companies for EUR/CNY transfers
6 of 6 providers Last updated on 21 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 7,000 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 Xe Pay via Debit card	Fee €0.00 1 EUR = 7.5981 CNY +1.13% vs mid-market	Recipient gets ¥53,186.70 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 = 7.5981 CNY ¥53,186.70You pay€7,000.00
Promoted TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.6615 CNY +0.30% vs mid-market	Recipient gets ¥53,630.69 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 = 7.6615 CNY ¥53,630.69You 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 = 7.6638 CNY +0.27% vs mid-market	Recipient gets ¥53,646.83 Minutes - 24 hours
9 reviews CheapestUsing Bank transfer with Regency FX is the cheapest way to send money to China from Finland. Using Bank transfer with Regency FX is the cheapest way to send money to China from Finland. 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 = 7.6638 CNY ¥53,646.83You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.6615 CNY +0.30% vs mid-market	Recipient gets ¥53,630.69 Minutes - 24 hours
2 reviews RecommendedBased on our editorial reviews, TorFx is our recommended way to send money from Finland to China. Based on our editorial reviews, TorFx is our recommended way to send money from Finland to China. 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 = 7.6615 CNY ¥53,630.69You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 7.6462 CNY +0.50% vs mid-market	Recipient gets ¥53,523.11 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 = 7.6462 CNY ¥53,523.11You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 7.5981 CNY +1.13% vs mid-market	Recipient gets ¥53,186.70 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 = 7.5981 CNY ¥53,186.70You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 7.5981 CNY +1.13% vs mid-market	Recipient gets ¥53,186.70 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 = 7.5981 CNY ¥53,186.70You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 7.5981 CNY +1.13% vs mid-market	Recipient gets ¥53,186.70 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 = 7.5981 CNY ¥53,186.70You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 7.5770 CNY +1.40% vs mid-market	Recipient gets ¥53,038.98 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 = 7.5770 CNY ¥53,038.98You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 7.4900 CNY +2.56% vs mid-market	Recipient gets ¥52,430.00 Minutes
0 reviews FastestTapTap Send with Debit card deposit is the fastest way to send EUR to China. TapTap Send with Debit card deposit is the fastest way to send EUR to China. 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 = 7.4900 CNY ¥52,430.00You pay€7,000.00 Card depositMinutesAvailable via:Bank China, UnionPay Free1 EUR = 7.4900 CNY ¥52,430.00You pay€7,000.00 Bank depositMinutesAvailable via:Banks (DEPRECATED) Free1 EUR = 7.4900 CNY ¥52,430.00You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 7.684581 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 Finland to China

Pick a company

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

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 a few minutes to a few hours.

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

Ways to send money from Finland to China

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

Usually the cheapest

Online transfers

Companies like Xe will get you 53,186.7 CNY on €7,000 transfer.

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 53,186.7 CNY arrives in minutes - 24 hours.

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

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.

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 53,646.83 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53,647

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

元53,187

-元460
3

Credit card Bank deposit

You pay €7,000.00

元53,187

-元460
4

Debit card Mobile wallet

You pay €7,000.00

元52,430

-元1,217
5

Debit card Card deposit

You pay €7,000.00

元52,430

-元1,217

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 53,646.83 CNY, which is 0.03% more than the next best option.

Fastest

TapTap Send delivers 52,430 CNY in minutes when you pay by debit card and choose mobile wallet.

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.

Live EUR-CNY Exchange Rate

Finding the best rate to send money from Finland to China

The exchange rate has a direct impact on how much CNY your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 7.689167 CNY

How we analyse the market

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

We track 6 of them on EUR to China, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

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.

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

Best companies for EUR/CNY transfers

Transfer details