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

Regency FX is the cheapest right now for transfers from Italy. Using a bank transfer deposit into a bank deposit will get you 51,759.35 CNY in China.

For speed, Wise is fastest, with delivery in within minutes.

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 0.00% vs mid-market Recipient gets ¥48,805.38 Within minutes
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 = 7.3312 CNY +1.13% vs mid-market Recipient gets ¥51,318.40 Minutes - 24 hours
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 = 7.3312 CNY
¥51,318.40You pay€7,000.00

Run a live search

Showing top Italy to China deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 7.3942 CNY +0.27% vs mid-market Recipient gets ¥51,759.35 Minutes - 24 hours
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 = 7.3942 CNY
¥51,759.35You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 7.3920 CNY +0.30% vs mid-market Recipient gets ¥51,743.78 Minutes - 24 hours
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 = 7.3920 CNY
¥51,743.78You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 7.3771 CNY +0.50% vs mid-market Recipient gets ¥51,639.98 Minutes - 24 hours
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 = 7.3771 CNY
¥51,639.98You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 7.3312 CNY +1.13% vs mid-market Recipient gets ¥51,318.40 Minutes - 24 hours
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 = 7.3312 CNY
¥51,318.40You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 7.3312 CNY +1.13% vs mid-market Recipient gets ¥51,318.40 Minutes - 24 hours
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 = 7.3312 CNY
¥51,318.40You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 7.3312 CNY +1.13% vs mid-market Recipient gets ¥51,318.40 Minutes - 24 hours
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 = 7.3312 CNY
¥51,318.40You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 7.3104 CNY +1.40% vs mid-market Recipient gets ¥51,172.88 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 = 7.3104 CNY
¥51,172.88You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €0.99 1 EUR = 7.2795 CNY +1.83% vs mid-market Recipient gets ¥50,956.50 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
€0.991 EUR = 7.2795 CNY
¥50,956.50You pay€7,000.99
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
€0.991 EUR = 7.2670 CNY
¥50,869.00You pay€7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €0.99 1 EUR = 7.2795 CNY +1.83% vs mid-market Recipient gets ¥50,956.50 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
€0.991 EUR = 7.2795 CNY
¥50,956.50You pay€7,000.99
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
€0.991 EUR = 7.2670 CNY
¥50,869.00You pay€7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €0.99 1 EUR = 7.2795 CNY +1.83% vs mid-market Recipient gets ¥50,956.50 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
€0.991 EUR = 7.2795 CNY
¥50,956.50You pay€7,000.99
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
€0.991 EUR = 7.2670 CNY
¥50,869.00You pay€7,000.99

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
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 0.00% vs mid-market Recipient gets ¥48,805.38 Within minutes
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 0.00% vs mid-market Recipient gets ¥48,805.38 Within minutes
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 = 7.4142 CNY Updates every 60 minutes.

How to send money from Italy to China

Pick a company

For a one-off EUR transfer to China, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 29 of the 29 days it quoted €7,000 transfers to China.

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

The best option will change depending on how much you actually send, so I suggest to get the best EUR/CNY rate.

Fund your transfer

You have 3 ways to fund your transfer: bank transfer, debit card, and credit card.

Sending money to China directly with SEPA is expensive, but it's a cheap and quick way to fund your money transfer account.

You can also use a debit card to fund the transfer, including the Postepay card.

Verify and send

First time round you'll need your codice fiscale and a photo ID to verify your account.

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.

Cheapest service
€5000.32%€0.00¥3,697.16with debit card to bank deposit+¥35.51
€1,0000.36%€0.00¥7,386.10with debit card to bank deposit+¥60.88
€2,0000.51%€0.00¥14,750.50with debit card to bank deposit+¥117.10
€5,0000.30%€0.00¥36,986.21with bank transfer to bank deposit+¥387.81
€7,000This page0.27%€0.00¥51,759.35with bank transfer to bank deposit+¥885.39

Mid-market rate: 1 EUR = 7.4142 CNY

EUR/CNY Exchange Rate History

Is today a good time to send money from Italy 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.

CNY received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate¥51,899.48 Regency FX ¥51,759.35Regency FX¥51,759.35TorFx¥51,743.78OFX¥51,639.98

51.500
52.000
52.500
53.000
53.500
At the mid-market rateWith the cheapest optionRegency FXTorFxOFX
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.6164 – ¥53,314.98
Regency FX Cheapest 7.5959 €0.00 ¥53,171.02 −¥143.96
TorFx 7.5936 €0.00 ¥53,155.03 −¥159.94
OFX 7.5783 €0.00 ¥53,048.40 −¥266.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.6085 – ¥53,259.16
Regency FX Cheapest 7.5879 €0.00 ¥53,115.36 −¥143.80
TorFx 7.5856 €0.00 ¥53,099.39 −¥159.77
OFX 7.5704 €0.00 ¥52,992.87 −¥266.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5803 – ¥53,061.86
Regency FX Cheapest 7.5598 €0.00 ¥52,918.59 −¥143.27
TorFx 7.5575 €0.00 ¥52,902.68 −¥159.18
OFX 7.5424 €0.00 ¥52,796.55 −¥265.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5500 – ¥52,849.79
Regency FX Cheapest 7.5296 €0.00 ¥52,707.10 −¥142.69
TorFx 7.5273 €0.00 ¥52,691.24 −¥158.55
OFX 7.5122 €0.00 ¥52,585.54 −¥264.25
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5082 – ¥52,557.64
Regency FX Cheapest 7.4880 €0.00 ¥52,415.73 −¥141.91
TorFx 7.4857 €0.00 ¥52,399.97 −¥157.67
OFX 7.4707 €0.00 ¥52,294.85 −¥262.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5256 – ¥52,679.36
Regency FX Cheapest 7.5053 €0.00 ¥52,537.13 −¥142.23
TorFx 7.5030 €0.00 ¥52,521.32 −¥158.04
OFX 7.4880 €0.00 ¥52,415.96 −¥263.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5202 – ¥52,641.09
Regency FX Cheapest 7.4999 €0.00 ¥52,498.95 −¥142.14
TorFx 7.4976 €0.00 ¥52,483.16 −¥157.92
OFX 7.4826 €0.00 ¥52,377.88 −¥263.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5032 – ¥52,522.30
Regency FX Cheapest 7.4829 €0.00 ¥52,380.49 −¥141.81
TorFx 7.4807 €0.00 ¥52,364.74 −¥157.56
OFX 7.4657 €0.00 ¥52,259.69 −¥262.61
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.4988 – ¥52,491.58
Regency FX Cheapest 7.4786 €0.00 ¥52,349.85 −¥141.73
TorFx 7.4763 €0.00 ¥52,334.10 −¥157.48
OFX 7.4613 €0.00 ¥52,229.12 −¥262.46
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.4907 – ¥52,435.17
Paysend Cheapest 7.4694 €0.00 ¥52,285.60 −¥149.57
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5027 – ¥52,519.22
Regency FX Cheapest 7.4825 €0.00 ¥52,377.41 −¥141.80
TorFx 7.4802 €0.00 ¥52,361.66 −¥157.55
OFX 7.4652 €0.00 ¥52,256.62 −¥262.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5199 – ¥52,639.46
Regency FX Cheapest 7.4996 €0.00 ¥52,497.33 −¥142.13
TorFx 7.4974 €0.00 ¥52,481.54 −¥157.92
OFX 7.4823 €0.00 ¥52,376.26 −¥263.20
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.5010 – ¥52,506.90
Regency FX Cheapest 7.4807 €0.00 ¥52,365.13 −¥141.76
TorFx 7.4785 €0.00 ¥52,349.37 −¥157.52
OFX 7.4635 €0.00 ¥52,244.36 −¥262.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.4805 – ¥52,363.36
Regency FX Cheapest 7.4603 €0.00 ¥52,221.98 −¥141.38
TorFx 7.4580 €0.00 ¥52,206.27 −¥157.09
OFX 7.4431 €0.00 ¥52,101.54 −¥261.82
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.4837 – ¥52,385.68
Regency FX Cheapest 7.4635 €0.00 ¥52,244.23 −¥141.45
TorFx 7.4612 €0.00 ¥52,228.52 −¥157.16
OFX 7.4462 €0.00 ¥52,123.75 −¥261.93
Exchange rateFeeRecipient getsDifference
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
Exchange rateFeeRecipient getsDifference
Mid-market rate 7.4142 – ¥51,899.48
Regency FX Cheapest 7.3942 €0.00 ¥51,759.35 −¥140.13
TorFx 7.3920 €0.00 ¥51,743.78 −¥155.70
OFX 7.3771 €0.00 ¥51,639.98 −¥259.50

Exchange rateFeeRecipient getsDifference

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 Italy.

Right now, Regency FX pays 51,759.35 CNY on 7,000 EUR, which is 140.13 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 53,171.02 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 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 29 comparisons

    Cheapest every time

  2. TorFxAppeared in 44 comparisons

    Cheapest in 32% of them

  3. OFXAppeared in 92 comparisons

    Cheapest in 5% of them

Based on 94 comparisons across 5 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 Italy to China

8 companies send money from Italy to China. You can send EUR via broker, online, app, global account, in person, and multi-currency account, and more below.

Regular transfers

Money transfer apps

For the regular transfer home, an app like Xe is the easiest and most convenient option.

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 51,318.4 CNY lands in a mobile wallet in seconds, no bank account needed on their side.

For one-off transfers

Online transfers

Outside the euro transfers, a bank transfer passes through intermediary banks, and each one can take a cut along the way.

Online services skip this and use their own network (it’s much cheaper).

Xe delivers 51,318.4 CNY on €7,000 with a €0 fee and 1.13% markup.

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

Sending large sums

Currency brokers

Managed services charge no fees and work on margin instead, and the more you send to China, the better rate you will get.

Regency FX charges no fee and adds 0.27% on EUR/CNY rate.

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

Travelling and receiving

Multi-currency accounts

If you travel to China often, or receive payments from there, this is the best option.

Multi-currency accounts let you hold EUR and CNY in one account, and give you local details.

I suggest trying Wise.

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

It holds EUR and CNY balances and charges small fees to convert between them.

For business payments

Global accounts

Global accounts are for businesses and freelancers with a partita IVA, paying suppliers abroad, invoicing foreign clients, holding a few currencies.

A few good options are Wise Business, Airwallex, and Payoneer.

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 51,759.35 CNY.

In Italy, you can pay by bank transfer, debit card, and credit card.

Satispay and Bancomat Pay are mainly domestic payment methods, they do not send CNY to China by themselves.

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

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    元51,759

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    元51,318

    -元441

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    元51,318

    -元441

  4. 4
    Bank transfer Mobile wallet

    You pay €7,000.99

    元50,957

    -元803

  5. 5
    Debit card Mobile wallet

    You pay €7,000.99

    元50,957

    -元803

Show moreShow less
  1. 6
    Credit card Mobile wallet

    You pay €7,000.99

    元50,957

    -元803

  2. 7
    Bank transfer Card deposit

    You pay €7,000.99

    元50,869

    -元890

  3. 8
    Debit card Card deposit

    You pay €7,000.99

    元50,869

    -元890

  4. 9
    Credit card Card deposit

    You pay €7,000.99

    元50,869

    -元890

Consider this when sending money from Italy to China

For a transfer from Italy, compare the amount received first. Then check whether you are making a SEPA payment, an extra-SEPA transfer or a cash-agent remittance, because each works differently.

Compare money transfer options

These are the leading options for a €7,000 transfer to China.

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 51,759.35 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, with the money arriving in within minutes.

SEPA only covers the first leg

A bonifico can move euros from your Italian bank to the transfer company through SEPA.

Companies like Regency FX then convert the money into CNY and pay your recipient in China through a local bank, a wallet, or a cash-pickup network.

SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.

Check the agent when paying in person

In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.

The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.

Their Italian agents must appear in the OAM register.

Prepare for anti-money-laundering checks

Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.

Use a clear causale and keep the document that explains the money ready.

For property proceeds, tuition or moving savings, tell the bank before the transfer is due.

If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.

How we analyse the market

Every company here is registered with Banca d'Italia or passported in from elsewhere in the EU.

We track 8 of them on EUR to China, comparing rates, fees and the ways to pay in and collect, updated in real time on live comparisons.

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.

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.