Best companies for EUR/CNY transfers
8 of 8 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 = 7.4142 CNY +0.04% vs mid-market	Recipient gets ¥48,805.38 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 debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €417.311 EUR = 7.4142 CNY ¥48,805.38You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3339 CNY +1.12% vs mid-market	Recipient gets ¥51,337.30 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 = 7.3339 CNY ¥51,337.30You pay€7,000.00
Run a live search Showing top France 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 = 7.3968 CNY +0.27% vs mid-market	Recipient gets ¥51,777.86 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 = 7.3968 CNY ¥51,777.86You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.3946 CNY +0.30% vs mid-market	Recipient gets ¥51,762.28 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 = 7.3946 CNY ¥51,762.28You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 7.3798 CNY +0.50% vs mid-market	Recipient gets ¥51,658.44 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 = 7.3798 CNY ¥51,658.44You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3339 CNY +1.12% vs mid-market	Recipient gets ¥51,337.30 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 = 7.3339 CNY ¥51,337.30You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 7.3339 CNY +1.12% vs mid-market	Recipient gets ¥51,337.30 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 = 7.3339 CNY ¥51,337.30You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 7.3339 CNY +1.12% vs mid-market	Recipient gets ¥51,337.30 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 = 7.3339 CNY ¥51,337.30You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 7.3130 CNY +1.40% vs mid-market	Recipient gets ¥51,191.18 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 = 7.3130 CNY ¥51,191.18You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €0.00 1 EUR = 7.2795 CNY +1.87% vs mid-market	Recipient gets ¥50,956.50 Minutes - 24 hours
2 reviews
Ways to receive money in China with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat Free1 EUR = 7.2795 CNY ¥50,956.50You pay€7,000.00 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €2.991 EUR = 7.2674 CNY ¥50,871.80You pay€7,002.99

$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €0.00 1 EUR = 7.2795 CNY +1.87% vs mid-market	Recipient gets ¥50,956.50 Minutes - 24 hours
2 reviews
Ways to receive money in China with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat Free1 EUR = 7.2795 CNY ¥50,956.50You pay€7,000.00 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €2.991 EUR = 7.2674 CNY ¥50,871.80You pay€7,002.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €0.00 1 EUR = 7.2795 CNY +1.87% vs mid-market	Recipient gets ¥50,956.50 Minutes - 24 hours
2 reviews
Ways to receive money in China with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:WeChat Free1 EUR = 7.2795 CNY ¥50,956.50You pay€7,000.00 Card depositMinutes - 24 hoursAvailable via:UnionPay Cards €2.991 EUR = 7.2674 CNY ¥50,871.80You pay€7,002.99
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 7.2300 CNY +2.55% 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 = 7.4142 CNY +0.04% vs mid-market	Recipient gets ¥48,805.38 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 = 7.4142 CNY ¥48,805.38You pay€7,000.00

Wise Pay via Credit card	Fee €417.31 1 EUR = 7.4142 CNY +0.04% vs mid-market	Recipient gets ¥48,805.38 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 credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €417.311 EUR = 7.4142 CNY ¥48,805.38You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 7.4169 CNY Updates every 60 minutes.

Why compare

EUR/CNY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from France to China

Pick a company

Start with the cheapest, which is Regency FX at 51,777.86 CNY on a €7,000 transfer.

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

Fund your transfer

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

A euro virement to the money transfer company is cheap and arrives in seconds.

Verify and send

First time round you'll need a photo ID and a RIB or proof of address to verify your account.

Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.

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 €5,000 it quoted, and in 100% of all the transfers it quoted.


€500		€0.00	¥3,693.95with debit card to bank deposit	+¥404.58
€1,000	0.39%	€0.00	¥7,390.90with debit card to bank deposit	+¥75.32
€2,000	0.65%	€0.00	¥14,729.11with bank transfer to bank deposit	+¥120.04
€5,000	0.30%	€0.00	¥36,953.73with bank transfer to bank deposit	+¥400.48
€7,000This page	0.27%	€0.00	¥51,777.86with bank transfer to bank deposit	+¥893.87

Mid-market rate: 1 EUR = 7.4169 CNY

EUR/CNY Exchange Rate History

Is today a good time to send money from France 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 France.

Right now, Regency FX pays 51,777.86 CNY on 7,000 EUR, which is 140.17 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 53,229.64 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.

Ways to send money from France to China

8 companies send money from France to China. You can do it via broker, online, app, global account, in person, and multi-currency account.

For regular transfers from France

Money transfer apps

If you’re sending €50 to €200 to a family in China, apps like Xe are the easiest way.

Over the past month, Xe was the cheapest app on 79% of the days it appeared for €7,000 transfers.

Xe charges €0 on a €7,000 transfer, and the CNY arrives in minutes - 24 hours, often straight into a mobile money wallet, so your family doesn't need a bank account to receive it.

For one-off transfers

Online transfers

When converting EUR to CNY, an online service like Xe is always cheaper than the bank's international virement.

Sending €7,000 with Xe gets you 51,337.3 CNY with a €0 fee and 1.12% markup.

In our comparisons over the past month, it was the cheapest online service on 21 of the 29 days it quoted.

For travelling & receiving

Challenger banks

Challenger banks like Wise are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to China.

On a €7,000 transfer, Wise gets you 48,805.38 CNY vs 51,777.86 CNY using Regency FX.

It's always , and choosing based on purpose and how much you get.

Companies like Wise offer great multi-currency features:

Hold EUR and CNY
Convert between them any time
Spend in CNY abroad or online
Receive EUR or CNY like a local

Our data shows Wise came out cheapest among challenger banks and multi-currency accounts on 100% of days in the past month.

Sending large sums from France

Currency brokers

If you’re selling a property in France, repatriating a pension, moving to China, or making any other large transfer, then you need a currency broker.

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

And the more you transfer, the better rate you will get.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.

International business payments

Global accounts

Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.

Companies like Airwallex, Wise Business, or Payoneer are the best for this.

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 51,777.86 CNY.

Fund the transfer from France by bank transfer, debit card, and credit card.

You can pay by virement

Send the money by bank transfer from your French RIB or IBAN.

SEPA Instant can be instant for funding your transfer, but delivery speed to China depends on the payout method.

Your recipient in China can collect CNY through bank deposit, mobile wallet, and card deposit.

They can receive CNY digitally

Your recipient can use bank deposit, mobile wallet, and card deposit to collect Yuan Renminbi.

1

Bank transfer Bank deposit

You pay €7,000.00

元51,778

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

元51,337

-元441
3

Credit card Bank deposit

You pay €7,000.00

元51,337

-元441
4

Bank transfer Mobile wallet

You pay €7,000.00

元50,957

-元821
5

Debit card Mobile wallet

You pay €7,000.00

元50,957

-元821

Show moreShow less

6

Credit card Mobile wallet

You pay €7,000.00

元50,957

-元821
7

Bank transfer Card deposit

You pay €7,002.99

元50,872

-元906
8

Debit card Card deposit

You pay €7,002.99

元50,872

-元906
9

Credit card Card deposit

You pay €7,002.99

元50,872

-元906

What to consider before sending EUR to China

From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.

Compare the EUR/CNY options

For a €7,000 transfer to China, these are the best ways to start with:

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 51,777.86 CNY, which is 0.03% more than the next best option.

Fastest way to send money to China

The fastest option is Wise. Pay by debit card and choose bank deposit for the payout. Your recipient gets 48,805.38 CNY in within minutes.

France caps cash payments

If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.

This limits the cash payment, rather than the amount you can send abroad.

For a larger transfer, pay by bank transfer or card.

Expect a justificatif on a large transfer

French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.

For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.

Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.

FGDR deposit guarantee

The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.

Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).

If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.

How we analyse the market

Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.

That covers 8 ACPR-registered companies sending EUR to China, with the rates refreshed in real time on live EUR/CNY searches.

In the past 30 days alone, we analysed 94 comparisons across 5 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.

We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6248	–	¥53,373.75
Regency FX Cheapest	7.6042	€0.00	¥53,229.64	−¥144.11
TorFx	7.6019	€0.00	¥53,213.63	−¥160.12
OFX	7.5867	€0.00	¥53,106.88	−¥266.87

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6102	–	¥53,271.25
Regency FX Cheapest	7.5896	€0.00	¥53,127.41	−¥143.84
TorFx	7.5873	€0.00	¥53,111.43	−¥159.82
OFX	7.5721	€0.00	¥53,004.89	−¥266.36

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5879	–	¥53,115.36
Regency FX Cheapest	7.5674	€0.00	¥52,971.94	−¥143.42
TorFx	7.5651	€0.00	¥52,956.01	−¥159.35
OFX	7.5500	€0.00	¥52,849.78	−¥265.58

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5472	–	¥52,830.16
Regency FX Cheapest	7.5268	€0.00	¥52,687.51	−¥142.64
TorFx	7.5245	€0.00	¥52,671.66	−¥158.49
OFX	7.5094	€0.00	¥52,566.00	−¥264.15

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

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

Best companies for EUR/CNY transfers