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How to send money to China from Philippines with the best PHP-CNY rate

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

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

Transferring the other way? Send CNY from China to Philippines instead.
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July 3rd, 2025
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How to send money from Philippines to China

Sending money from Philippines to China doesn’t have a huge amount of options. Because of this, we would recommend sending money via:

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

Sending money from Philippines to China: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from Philippines to China to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between Philippines and China. Through this, you get a comprehensive view of all the options you have in Philippines when you need to send money to China.

2
Think about the Philippine Peso-Yuan Renminbi exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in China
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from Philippines to China

Without any money transfer providers serving the Philippines to China route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from Philippines to China

When calculating the costs of money transfers between Philippines and China, here's what really matters:

The Mid-Market Rate: Today, the PHP-CNY mid-market rate equals to 0.1273. Keep in mind that this rate fluctuates all the time.

The PHP-CNY average exchange rate of the past week has been 0.127, with a highest of 0.1274 and a lowest of 0.1267.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your PHP to CNY transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

How to find the best exchange rate for Philippine Peso to Yuan Renminbi

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

Mid-market Rate
1 
=
0.127297 
CNY

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from PHP to CNY has seen some fluctuation. On average, it stood at 0.127.

  • During this period, the highest value recorded was 0.1274, while the lowest was 0.1267.

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

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

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What payment methods are available when sending money from Philippines to
China?

  • Sending bank transfers from Philippines to China

    Bank transfers are the most common way of sending PHP to China as they are secure, reliable, and convenient.

    If you want to send Philippine Pesos to China via bank transfer, you can use your bank where no provider is available, but it will likely be at a bad exchange rate.

  • Sending money from Philippines to China by credit card

    Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

    If you want to send Philippine Pesos to China with a credit card.

    Note: Beware of charges

    Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

  • Sending money from Philippines to China by payment apps

    If you’d like to send money from Philippines to China via payment app, follow these steps:

    1. Download the app and register. Download the app from the App Store or Google Play. You’ll need to register to be able to open an account. Make sure the app services transfers from Philippines to China.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. Start your transfer. Enter the details of your recipient. Some apps will require full payment details, while others allow you to pay with just an email address. You may need to state that you’re planning to send money to China in Yuan Renminbi at this stage.

    4. Check the details. It’s vital that you check the details you’ve added to make sure everything is correct. It can be very difficult to reverse a transfer, and most payment apps don’t let you cancel a transfer from Philippines to China after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the PHP to CNY exchange rate. Check the rate they’re offering against the mid-market rate to make sure you’re getting a good deal.

    The current mid-market rate of PHP to CNY is 0.1273

How we analyze the market

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


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 Philippines to China.


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

How much money can be transferred from Philippines to China?
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Can I send money from Philippines to China with MoneyTransfers.com?
What are the typical transfer fees for sending Philippine Pesos to China through various providers?
How long does it take to send money from Philippines to China?
What is the best exchange rate I can get for sending money from Philippines to China?
Are there any minimum or maximum transfer amounts for sending money from Philippines to China?
Can I schedule regular transfers between Philippines and China?

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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