Of the 6 companies servicing JPY/CNY, Regency FX is the cheapest, and Wise is the fastest.
Sending ¥1,000,000 to China with Regency FX will get your recipient 42,533.85 CNY.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 1,000,000 JPY transfer Best companies for JPY/CNY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ¥13,028.00 1 JPY = 0.0427 CNY -0.02% vs mid-market | Recipient gets ¥42,103.83 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥13,028.001 JPY = 0.0427 CNY ¥42,103.83You pay¥1,000,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0421 CNY +1.30% vs mid-market | Recipient gets ¥42,090.00 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0421 CNY ¥42,090.00You pay¥1,000,000.00 | |||
Run a live search Showing top Japan to China deals for 1,000,000 JPY. 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 JPY 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 JPY you're planning to spend in China. | |||
Run a live search These are managed services with real human support for large JPY 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 JPY = 0.0425 CNY +0.27% vs mid-market | Recipient gets ¥42,533.85 Minutes - 24 hours | |
Ways to receive money in China with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0425 CNY ¥42,533.85You pay¥1,000,000.00 | |||
 TorFx Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0425 CNY +0.30% vs mid-market | Recipient gets ¥42,521.05 Minutes - 24 hours | |
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0425 CNY ¥42,521.05You pay¥1,000,000.00 | |||
 OFX Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0424 CNY +0.50% vs mid-market | Recipient gets ¥42,435.75 Minutes - 24 hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0424 CNY ¥42,435.75You pay¥1,000,000.00 | |||
| Wise Pay via Bank transfer | Fee ¥13,028.00 1 JPY = 0.0427 CNY -0.02% vs mid-market | Recipient gets ¥42,103.83 Within minutes | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥13,028.001 JPY = 0.0427 CNY ¥42,103.83You pay¥1,000,000.00 | |||
| Xe Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0421 CNY +1.30% vs mid-market | Recipient gets ¥42,090.00 Minutes - 24 hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0421 CNY ¥42,090.00You pay¥1,000,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0421 CNY +1.40% vs mid-market | Recipient gets ¥42,051.91 Minutes - 2 days | |
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 JPY = 0.0421 CNY ¥42,051.91You pay¥1,000,000.00 | |||
| How Our Results Work Mid-market rate: 1 JPY = 0.0426 CNY Updates every 60 minutes. | |||
Transfer details
We suggest starting with Regency FX since its the cheapest option for sending ¥1,000,000.
The best and cheapest options will change depending on the amount, so it's a good idea to to get the best JPY/CNY rate today.
You can fund your transfer from Japan via bank transfer.
A furikomi from your bank reaches the money transfer company account the same day.
You can also pay cash at a konbini terminal or an ATM for cash transfer.
When opening a new money transfers account, you'll need your residence card to register (tourists can't send money from Japan).
If you support family back home, ask about registering them as dependents, it may cut your income and resident tax (not tax advice).
6 companies send money from Japan to China.
Everyday transfers
Online transfers to China are usually faster and cheaper than a traditional Japanese bank wire.
Depending on the service, you can deposit money via bank deposit (Suica and other IC cards won’t work).
Wise is the cheapest option.
It charges ¥13028 to send 1,000,000 JPY and your recipient gets 42,103.83 CNY (after a ¥13028 fee and a -0.12% markup). The CNY will arrive in within minutes.
You will normally need your residence card to open an account.
Regular overseas spending
A multi-currency account lets you convert part of your yen and keep CNY for future payments.
Wise lets you hold JPY and CNY in one account and swap between them as you need.
Converting ¥1,000,000 gets you 42,103.83 CNY, after -0.12% markup and ¥13028 fee.
This is convenient for receiving payments in JPY or CNY, or spending money when traveling to China.
Paying contractors
Global accounts help Japanese businesses make repeat payments to contractors and suppliers in China.
Wise Business and Payoneer offer great business accounts in Japan.
With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ¥1,000,000 gives your recipient 42,533.85 CNY.
You can fund the yen side by bank transfer.
Pay from a Japanese bank account
Transfer JPY using the account and reference provided by the money transfer company.
A domestic bank payment funds the transfer (usually very fast), but it does not determine how quickly CNY reaches the recipient.
For the payout, your recipient can use bank deposit in China.
You pay ¥1,000,000.00
元42,534
Cheapest
The weak yen makes the exchange-rate margin especially important. Foreign residents should also expect identity and purpose checks before the first overseas transfer.
These are the leading options for a ¥1,000,000 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 42,533.85 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 bank transfer and choose bank deposit for the payout. Your recipient gets 42,103.83 CNY in within minutes.
Japanese banks and registered funds-transfer companies can ask for a residence card, address, My Number and the purpose of an overseas payment.
The exact documents depend on the money transfer company and transfer purpose.
The first payment may take longer while the account is being checked.
Keep the invoice or document explaining the payment ready if you are sending tuition, property money or a large personal transfer.
The Financial Services Agency advises foreign residents to use a licensed bank or Funds Transfer Service Provider.
PayPay, Suica, IC cards, and a domestic furikomi are useful inside Japan, but they do not send JPY to China.
Japan's annual basic gift-tax exemption is ¥1.1 million per recipient under the calendar-year system.
The recipient may need to file and pay tax when total gifts received during the year exceed that amount.
Residence and asset-location rules can make cross-border cases more complicated, so do not assume that receiving the money in an overseas account avoids Japanese tax.
Non-bank remittance balances are protected under the Payment Services Act, but they are not ordinary bank deposits, so avoid leaving more money there beyond what you need to send.
The rate you secure decides how much CNY arrives for your JPY. Recent movement gives you a useful range to compare against today's quote.
Mid-market rate:1 JPY = 0.042705 CNY
We track 6 registered funds transfer companies sending JPY to China, updated in real time on live searches.
With the yen weak, the exchange margin decides more than the fee does, so that's what we lead the comparison on, along with the ways to pay and collect.
Each 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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