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How to send money to China from Japan with the best JPY-CNY rate

Compare the best ways to send money from Japan to China. Find the cheapest, fastest, and most reliable providers with the best JPY to CNY exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to China from Japan.

Transferring the other way? Send CNY from China to Japan instead.
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July 3rd, 2025
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Best money transfer companies

Send money from Japan to China

Last updated: Today
Mid-market rate as of 07/03/2025: 1 JPY = 0.049852 CNY
Results below are based on a 1000000 JPY search
0 of 6 providers
Sponsored
Wise
Recipient gets (CNY)
¥49,298.01
Full transfer details
Visit Wise
¥942 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (CNY)
¥49,702.44
Full transfer details
Visit TorFx
¥1,346 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Live Rates
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Exclusive: First Transfer Deal
1
Regency FX
Recipient gets (CNY)
¥49,717.40
Full transfer details
Visit Regency FX
¥1,361 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
2
TorFx
Recipient gets (CNY)
¥49,702.44
Full transfer details
Visit TorFx
¥1,346 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
3
Wise
Recipient gets (CNY)
¥49,298.01
Full transfer details
Visit Wise
¥942 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Panda Remit
Recipient gets (CNY)
¥49,702.25
Sponsored
Wise
Recipient gets (CNY)
¥49,298.01
Full transfer details
Visit Wise
¥942 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (CNY)
¥49,702.44
Full transfer details
Visit TorFx
¥1,346 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad

Overall top choice: Wise

Wise is the best way to transfer Yen into Yuan Renminbi.

Of the 6 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost.

Sending 1,000,000 JPY to CNY will cost you ¥11315 in fees, and you will receive 49,298.01 CNY.

When sending money from Japan to China, using Wise in a great option.

Wise is the top rated company for sending money from Japan (JPY) to China (CNY) - Wise Screenshot

How to get the best deal on your Japan to China transfer

Summary of recent searches

Top rated for transfers from Japan to China
Wise
Total number of JP - CN providers
6
Average cheapest fees & rate
Regency FX
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Regency FX

Considerations ahead of sending money from Japan to China

1
Compare providers

A comparison of providers offering services between Japan and China, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

We’ve compared 6 providers that provide services for sending Yen to China. This ensures you will get the best options for your transfer to China from Japan.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Japan to China.

2
Get ahead of the Yen-Yuan Renminbi exchange rate
3
Choose the right payment method
4
Financial regulation in China and Japan
5
Consider transfer limits
6
Receiving money in China
7
Have your ID ready
8
Tax declarations

Cheapest way to transfer money to China from Japan: Regency FX

Regency FX offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Yen to China.

Of the 6 providers compared, data shows that Regency FX is 0.03% cheaper than the second-best option.

The is cost is made up of an average JPY-CNY exchange rate that is 0.27% different to the mid-market rate and an average fee of 0* JPY.

If you want to secure the best rates on a JPY to China transfer, Regency FX will result in the most Yuan Renminbi received.

Fastest way to transfer money to China from Japan: Wise.

We tested 6 companies offering transfers from Japan to China and Wise offered the quickest option.

For example, if you send 1,000,000 JPY with Wise to China, the transfer time is within minutes

When using Wise to send money from Japan to China you can expect to pay 11315 JPY in fees. Although we would recommend comparing the amount you want to send.

When testing the 'fastest' options we compared 6 money transfer providers. To test overall speed of sending money from Japan to China we included the timeframe for depositing Yen to a money transfer account and average transfer times to China.

When sending money to China from Japan quickly is a priority, Wise is our recommended choice.

Wise is the fastest way to send money from Japan (JPY) to China (CNY) - Wise Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to China from Japan needs a strong exchange rate and effective transfer management.

From the
6 options we compared, Currencies Direct offers the strongest all-round option for large transfers to China from Japan.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Yuan Renminbis to Yuan Renminbi.

As such, we recommend Currencies Direct for large China transfers.

Understanding the cost of sending money to China from Japan

The cost of sending money from China to China, is made-up of a combination of fees and exchange rates:

The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from JPY-CNY is 0.0498 CNY per Yen.

  • Finding a provider offering an exchange as close to 0.0498 as possible will ensure more Yuan Renminbi received when transferring.

  • For context, the JPY-CNY mid-market rate for the past week has averaged 0.0497 CNY per Yen. This includes a high of 0.0499, and low of 0.0496.

  • Wise currently offers the best exchange rate on transfers from Japan to China.

For the most part the JPY-CNY exchange rate you receive is the biggest factor impacting the cost of sending JPY to China.

Fees: Outside of exchange rates, you may need to pay a fee to send. Regency FX currently offers the lowest fees on transfers to China from Japan, costing 0 JPY per transfer. Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Yuan Renminbi is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Yens to CNY, paired with a low fee, means a higher total amount received in China.

How to find the best exchange rate for Yen to Yuan Renminbi

Timing is essential for sending money between JPY and CNY. The exchange rate you secure impacts how much CNY you get for your JPY.

Mid-market Rate
1 
=
0.049845 
CNY

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from JPY to CNY has seen some fluctuation. On average, it stood at 0.0497.

  • During this period, the highest value recorded was 0.0499, while the lowest was 0.0496.

  • Wise, which is our recommended service to send money online from Japan to China offers an exchange rate that is only -0.1% above the mid-market rate.

Want to secure the best JPY-Yuan Renminbi exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Japan to China!

Payment methods available to fund your Japan to
China transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from Japan to China.

    Sending money via a bank transfer with a company such as Regency FX for transfers from Japan to China allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Regency FX is the best provider for bank transfers of the 6 we tested when sending JPY to China.

    With a fee of JPY0 to send money from Japan to China, Regency FX offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Japan to China with a prepaid or a debit card is very simple with .


    is a leader in card payments for transfers from Japan to China, competing among a total of 6 active money transfer companies on this route.

  • Credit cards

    We recommend avoiding credit card deposits as it usually means taking a cash advance and using it for the deposit. Instead, use a bank transfer or a debit card deposit to save on fees.

    If you have to, we recommend running a comparison to find the best deal for your transfer.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between China and Japan.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Japan to China.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send JPY to CNY.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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Are there any minimum or maximum transfer amounts for sending money from Japan to China?
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Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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