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 = 7.4132 CNY +0.03% vs mid-market	Recipient gets ¥48,798.80 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 = 7.4132 CNY ¥48,798.80You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3327 CNY +1.12% vs mid-market	Recipient gets ¥51,328.90 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 = 7.3327 CNY ¥51,328.90You pay€7,000.00
Run a live search Showing top Netherlands 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 = 7.3952 CNY +0.27% vs mid-market	Recipient gets ¥51,766.29 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 = 7.3952 CNY ¥51,766.29You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 7.3930 CNY +0.30% vs mid-market	Recipient gets ¥51,750.72 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 = 7.3930 CNY ¥51,750.72You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 7.3781 CNY +0.50% vs mid-market	Recipient gets ¥51,646.91 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 = 7.3781 CNY ¥51,646.91You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 7.3327 CNY +1.12% vs mid-market	Recipient gets ¥51,328.90 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 = 7.3327 CNY ¥51,328.90You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 7.3327 CNY +1.12% vs mid-market	Recipient gets ¥51,328.90 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 = 7.3327 CNY ¥51,328.90You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 7.3327 CNY +1.12% vs mid-market	Recipient gets ¥51,328.90 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 = 7.3327 CNY ¥51,328.90You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 7.3114 CNY +1.40% vs mid-market	Recipient gets ¥51,179.75 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 = 7.3114 CNY ¥51,179.75You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 7.2300 CNY +2.53% 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 = 7.4132 CNY +0.03% vs mid-market	Recipient gets ¥48,798.80 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 = 7.4132 CNY ¥48,798.80You pay€7,000.00

Wise Pay via Credit card	Fee €417.31 1 EUR = 7.4132 CNY +0.03% vs mid-market	Recipient gets ¥48,798.80 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 = 7.4132 CNY ¥48,798.80You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 7.4152 CNY Updates every 60 minutes.

Why compare

EUR/CNY exchange rate

Best ways to pay & receive

Transfer speed

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

Fund your transfer

There are 3 ways to fund your transfer, including bank transfer, debit card, and credit card.

The most common way is to fund your account with iDEAL (Wero).

Verify and send

First time round you'll need a photo ID and a BSN.

On a first transfer to someone new, send a small amount and check it landed.

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	-0.01%	€0.00	¥3,710.25with debit card to bank deposit	+¥38.24
€1,000	-0.01%	€0.00	¥7,420.50with debit card to bank deposit	+¥76.49
€2,000	0.03%	€0.00	¥14,829.10with debit card to bank deposit	+¥163.70
€5,000	0.00%	€0.00	¥37,072.74with debit card to bank deposit	+¥414.30
€7,000This page	0.27%	€0.00	¥51,766.29with bank transfer to bank deposit	+¥912.49

Mid-market rate: 1 EUR = 7.4152 CNY

EUR/CNY Exchange Rate History

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

Right now, Regency FX pays 51,766.29 CNY on 7,000 EUR, which is 140.15 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 53,156.51 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.

Regency FXAppeared in 30 comparisons
Cheapest every time
TorFxAppeared in 46 comparisons
Never the cheapest
OFXAppeared in 94 comparisons
Never the cheapest

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 the Netherlands to China

7 companies send money from the Netherlands to China, across broker, online, app, global account, and multi-currency account, and more.

For one-off transfers

Online transfers

Sending money to China online is simple.

Pick China, enter the amount, and pay with iDEAL (Wero) or bank transfer depending who you use.

Xe is the cheapest online option, sending €7,000 gets you 51,328.9 CNY with a €0 fee and 1.12% markup.

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

Frequent transfers abroad

Money transfer apps

For the regular transfer to China, apps are the easiest.

Xe charges €0 in fees on a €7,000 transfer with 1.12% markup, and the money can land directly in a mobile money wallet, no bank account needed on the receiving side.

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

You can pay for your transfer via bank transfer, debit card, and credit card but you can’t use Tikkie for deposits.

For large EUR transfers

Currency brokers

Currency brokers are the best for large transfers from the Netherlands.

They handle the transfer for you, charge no fees, but add a markup on top of CNY rate.

For a property abroad or moving your savings, a broker like Regency FX is the best option.

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

Holding, travelling, and receiving

Multi-currency accounts

These let you hold EUR and CNY in one account.

This is handy for receiving payments, spending CNY and EUR, or travelling to China.

Wise is the cheapest multi-currency account.

It converts €7,000 at 0.03% markup plus €417.31 fee and holds the CNY until you send or spend it.

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

For ZZP'ers

Global accounts

Global accounts offer business tools and business transfers from the Netherlands.

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

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 51,766.29 CNY.

In China, the recipient can collect CNY through bank deposit, mobile wallet, and card deposit.

You can deposit EUR using bank transfer, debit card, and credit card.

1

Bank transfer Bank deposit

You pay €7,000.00

元51,766

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

元51,329

-元437
3

Credit card Bank deposit

You pay €7,000.00

元51,329

-元437
4

Debit card Mobile wallet

You pay €7,000.00

元50,610

-元1,156
5

Debit card Card deposit

You pay €7,000.00

元50,610

-元1,156

Consider this when sending money from Netherlands to China

A few things to consider before sending money from Netherlands to China.

Compare your transfer options

Cheapest way to send money to China

The cheapest option for a €7,000 transfer is Regency FX, funded through bank transfer with bank deposit for the payout. Your recipient gets 51,766.29 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 in China. Your recipient gets 48,798.8 CNY in within minutes.

iDEAL is becoming Wero

iDEAL remains the normal way to approve an online payment from a Dutch bank account.

Since 2026, the name and payment experience have been moving to Wero in stages.

Sending gifts can trigger Dutch gift tax

Dutch rules treat a gift to someone abroad in the same way as a gift to someone in the Netherlands.

For 2026, the annual exemption is €6,908 when parents give to a child and €2,769 for most other recipients.

The recipient normally files the return if the total from the same donor exceeds the exemption.

The Belastingdienst explains gifts abroad and publishes the current exemptions.

Regularly paying a genuine shared expense is not automatically the same as making a gift, but keep records showing what the payment covered.

How we analyse the market

We track 7 companies sending EUR to China, all registered with De Nederlandsche Bank or passported in, and the rates update in real time on live searches.

We compare fees, exchange rates and how the money can be paid in and collected.

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.

Each company goes through our review before it appears here.

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 Netherlands

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 Philippines to China

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6143	–	¥53,300.42
Regency FX Cheapest	7.5938	€0.00	¥53,156.51	−¥143.91
TorFx	7.5915	€0.00	¥53,140.52	−¥159.90
OFX	7.5763	€0.00	¥53,033.92	−¥266.50

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.6061	–	¥53,242.86
Regency FX Cheapest	7.5856	€0.00	¥53,099.11	−¥143.75
TorFx	7.5833	€0.00	¥53,083.13	−¥159.73
OFX	7.5681	€0.00	¥52,976.65	−¥266.21

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5785	–	¥53,049.56
Regency FX Cheapest	7.5580	€0.00	¥52,906.32	−¥143.24
TorFx	7.5558	€0.00	¥52,890.41	−¥159.15
OFX	7.5406	€0.00	¥52,784.31	−¥265.25

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5486	–	¥52,840.27
Regency FX Cheapest	7.5282	€0.00	¥52,697.60	−¥142.67
TorFx	7.5260	€0.00	¥52,681.75	−¥158.52
OFX	7.5109	€0.00	¥52,576.07	−¥264.20

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	7.5083	–	¥52,558.23
Regency FX Cheapest	7.4880	€0.00	¥52,416.32	−¥141.91
TorFx	7.4858	€0.00	¥52,400.55	−¥157.68
OFX	7.4708	€0.00	¥52,295.43	−¥262.80

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5242	–	¥52,669.69
Regency FX Cheapest	7.5039	€0.00	¥52,527.49	−¥142.20
TorFx	7.5017	€0.00	¥52,511.68	−¥158.01
OFX	7.4866	€0.00	¥52,406.35	−¥263.34

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5138	–	¥52,596.93
Regency FX Cheapest	7.4936	€0.00	¥52,454.92	−¥142.01
TorFx	7.4913	€0.00	¥52,439.14	−¥157.79
OFX	7.4763	€0.00	¥52,333.94	−¥262.99

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5038	–	¥52,526.41
Regency FX Cheapest	7.4835	€0.00	¥52,384.59	−¥141.82
TorFx	7.4813	€0.00	¥52,368.83	−¥157.58
OFX	7.4663	€0.00	¥52,263.78	−¥262.63

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5236	–	¥52,665.03
Regency FX Cheapest	7.5033	€0.00	¥52,522.84	−¥142.19
TorFx	7.5010	€0.00	¥52,507.04	−¥157.99
OFX	7.4860	€0.00	¥52,401.71	−¥263.32

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	7.4975	–	¥52,482.16
Regency FX Cheapest	7.4772	€0.00	¥52,340.46	−¥141.70
TorFx	7.4750	€0.00	¥52,324.71	−¥157.45
OFX	7.4600	€0.00	¥52,219.75	−¥262.41

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4848	–	¥52,393.51
Regency FX Cheapest	7.4646	€0.00	¥52,252.05	−¥141.46
TorFx	7.4623	€0.00	¥52,236.33	−¥157.18
OFX	7.4474	€0.00	¥52,131.54	−¥261.97

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4894	–	¥52,425.77
Regency FX Cheapest	7.4692	€0.00	¥52,284.22	−¥141.55
TorFx	7.4669	€0.00	¥52,268.49	−¥157.28
OFX	7.4519	€0.00	¥52,163.64	−¥262.13

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5022	–	¥52,515.53
Regency FX Cheapest	7.4820	€0.00	¥52,373.74	−¥141.79
TorFx	7.4797	€0.00	¥52,357.99	−¥157.54
OFX	7.4647	€0.00	¥52,252.96	−¥262.57

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5220	–	¥52,654.03
Regency FX Cheapest	7.5017	€0.00	¥52,511.86	−¥142.17
TorFx	7.4994	€0.00	¥52,496.07	−¥157.96
OFX	7.4844	€0.00	¥52,390.76	−¥263.27

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	7.4988	–	¥52,491.87
Regency FX Cheapest	7.4786	€0.00	¥52,350.14	−¥141.73
TorFx	7.4763	€0.00	¥52,334.39	−¥157.48
OFX	7.4613	€0.00	¥52,229.41	−¥262.46

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5010	–	¥52,506.68
Regency FX Cheapest	7.4807	€0.00	¥52,364.91	−¥141.77
TorFx	7.4785	€0.00	¥52,349.16	−¥157.52
OFX	7.4634	€0.00	¥52,244.14	−¥262.54

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4931	–	¥52,451.48
Regency FX Cheapest	7.4728	€0.00	¥52,309.86	−¥141.62
TorFx	7.4706	€0.00	¥52,294.12	−¥157.36
OFX	7.4556	€0.00	¥52,189.22	−¥262.26

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.5061	–	¥52,542.88
Regency FX Cheapest	7.4859	€0.00	¥52,401.02	−¥141.86
TorFx	7.4836	€0.00	¥52,385.25	−¥157.63
OFX	7.4686	€0.00	¥52,280.17	−¥262.71

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4779	–	¥52,345.20
Regency FX Cheapest	7.4577	€0.00	¥52,203.87	−¥141.33
TorFx	7.4555	€0.00	¥52,188.17	−¥157.03
OFX	7.4405	€0.00	¥52,083.48	−¥261.72

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	7.4841	–	¥52,388.60
Regency FX Cheapest	7.4639	€0.00	¥52,247.15	−¥141.44
TorFx	7.4616	€0.00	¥52,231.43	−¥157.17
OFX	7.4467	€0.00	¥52,126.65	−¥261.94

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	7.4389	–	¥52,072.09
Regency FX Cheapest	7.4188	€0.00	¥51,931.50	−¥140.59
TorFx	7.4166	€0.00	¥51,915.87	−¥156.22
OFX	7.4017	€0.00	¥51,811.73	−¥260.36

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

Best companies for EUR/CNY transfers