Orbit Remit is the best way to send money to China. Sending $10,000 gets you 38,624 CNY on the other end.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/CNY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $86.99 1 NZD = 3.8025 CNY +0.02% vs mid-market | Recipient gets ¥37,694.62 Same day | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $86.991 NZD = 3.8025 CNY ¥37,694.62You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 3.7616 CNY +1.10% vs mid-market | Recipient gets ¥37,615.80 6-12 Hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 3.7616 CNY ¥37,615.80You pay$10,000.00 | |||
Run a live search Showing top New Zealand to China deals for 10,000 NZD. 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 NZD 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 NZD you're planning to spend in China. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Orbit Remit Pay via Bank transfer | Fees: $0.00 1 NZD = 3.8624 CNY -1.54% vs mid-market | Recipient gets ¥38,624.00 2 Days | |
Ways to receive money in China with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 NZD = 3.8624 CNY ¥38,624.00You pay$10,000.00 Mobile wallet2 Days Free1 NZD = 3.8624 CNY ¥38,624.00You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 3.7919 CNY +0.30% vs mid-market | Recipient gets ¥37,919.48 6-12 Hours | |
Ways to receive money in China with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 3.7919 CNY ¥37,919.48You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 3.7843 CNY +0.50% vs mid-market | Recipient gets ¥37,843.41 6-12 Hours | |
Ways to receive money in China with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 3.7843 CNY ¥37,843.41You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $86.99 1 NZD = 3.8025 CNY +0.02% vs mid-market | Recipient gets ¥37,694.62 Same day | |
Ways to receive money in China with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $86.991 NZD = 3.8025 CNY ¥37,694.62You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 3.7616 CNY +1.10% vs mid-market | Recipient gets ¥37,615.80 6-12 Hours | |
Ways to receive money in China with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 3.7616 CNY ¥37,615.80You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fees: $0.00 1 NZD = 3.7501 CNY +1.40% vs mid-market | Recipient gets ¥37,501.11 Next Day | |
Ways to receive money in China with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 NZD = 3.7501 CNY ¥37,501.11You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 3.7616 CNY +1.10% vs mid-market | Recipient gets ¥37,465.34 6-12 Hours | |
Ways to receive money in China with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 3.7616 CNY ¥37,465.34You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 3.7616 CNY +1.10% vs mid-market | Recipient gets ¥37,277.26 6-12 Hours | |
Ways to receive money in China with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 3.7616 CNY ¥37,277.26You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 3.8034 CNY Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Orbit Remit is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Orbit Remit.
For large transfers (NZ$10k+) using a broker like TorFx is usually the best option.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
How much NZD 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -1.58% | $0.00 | ¥3,862.40with bank transfer to bank deposit | +¥90.43 | |
| $10,000This page | -1.54% | $0.00 | ¥38,624.00with bank transfer to bank deposit | +¥881.37 |
Mid-market rate: 1 NZD = 3.8034 CNY
6 companies cover NZD/CNY transfers, between them you can send money via online, broker, app, global account, and multi-currency account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Orbit Remit charges $0 and -1.54% markup on a $10,000 transfer, and the CNY can land in a mobile wallet in minutes, no bank account needed on the other end.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like TorFx charges no fee and adds 0.3% margin, with a real person on the phone dealing with everything end to end.
Also, you can send a small NZD/CNY transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts $10,000 at 0.02% markup and holds the CNY until you spend it.
It’s also great for travelling to China and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in China, or getting paid in CNY.
With Orbit Remit, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 38,624 CNY.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to China.
The recipient in China can use bank deposit and mobile wallet.
To send monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay $10,000.00
元38,624
Cheapest
You pay $10,000.00
元38,624
元0
You pay $10,000.00
元37,465
-元1,159
You pay $10,000.00
元37,277
-元1,347
Here are a few things to know about money transfers from New Zealand to China.
For a $10,000 transfer to China, these are the current best options you have.
Cheapest
Orbit Remit is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 38,624 CNY, which is 1.82% more than the next best option.
Fastest
Wise delivers 37,694.62 CNY in same day when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending CNY.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in China.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Exchange-rate margins add up on regular transfers to China. Compare each quote with the recent NZD/CNY range before sending.
Mid-market rate:1 NZD = 3.810936 CNY
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 6 registered financial service providers sending NZD to China, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
Each goes through our review. Learn more:
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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