MoneyTransfers

How to send money to the US from China with the best CNY-USD rate

Get the best deals when you transfer from China to United States. Find the cheapest, fastest, and most reliable providers with the best CNY to USD exchange rates.

Read on for the best deals, expert information, and all you need to send money to United States from China.

Transferring the other way? Send USD from United States to China instead.
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June 30th, 2025
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Best money transfer companies

Send money from China to United States

Last updated: Today
Mid-market rate as of 06/30/2025: 1 CNY = 0.139421 USD
Results below are based on a 51321 CNY search
0 of 5 providers
Sponsored
Wise
Recipient gets (USD)
$7,107.77
Full transfer details
Visit Wise
$167 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 (USD)
$7,133.76
Full transfer details
Visit TorFx
$193 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 (USD)
$7,135.91
Full transfer details
Visit Regency FX
$195 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 (USD)
$7,133.76
Full transfer details
Visit TorFx
$193 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 (USD)
$7,107.77
Full transfer details
Visit Wise
$167 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 (USD)
$7,133.20
Sponsored
Wise
Recipient gets (USD)
$7,107.77
Full transfer details
Visit Wise
$167 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 (USD)
$7,133.76
Full transfer details
Visit TorFx
$193 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
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Best choice: Wise

Wise is our recommended way to send Yuan Renminbi to USD.

We tested & reviewed dozens of money transfer providers, and Wise scored highly.

Transferring 51,321 CNY to USD will cost you 元340 in fees, and you will receive 7,107.77 USD. The delivery time is same day, but it depends on the day you make the transfer.

So for a great blend of cost, speed & features, make your China to the United States transfer using Wise.

Wise is the top rated company for sending money from China (CNY) to United States (USD) - Wise Screenshot

How to get the best deal on sending money from China to United States

Summary of recent searches

Top rated for transfers from China to United States
Wise
Total number of CN - US providers
5
Average cheapest fees & rate
Regency FX
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Regency FX

Get the most from sending money from China to United States

1
Compare providers

Comparing providers offering services between China and the United States based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire CNY-USD market and have compared 5 providers offering services between China and the United States.

This ensures you will get the most comprehensive options for sending Yuan Renminbi to the United States.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific China to the United States transfer needs.

2
Beat the Yuan Renminbi-US Dollar exchange rate
3
Choose the right payment method
4
Financial regulations across China and United States
5
Consider minimum and maximum limits
6
Receiving money in United States
7
Be ready with your ID
8
Tax declarations

Cheapest way to send money from China to United States: Regency FX

The combination of the lowest fees and best exchange rate is through Regency FX. This makes them our cheapest transfer service of the 5 compared for sending Yuan Renminbi to the United States.

Our data shows, that Regency FX is 0.03% than the second-best option when sending via a bank transfer.

This includes the fee of 0 CNY and a CNY-USD exchange rate for international transfers that is 0.27% different to the mid-market rate.

Securing the best rates on a CNY to United States transfer can be done with Regency FX but you can always search for your specific amount.

Fastest money transfers to the United States from China: Regency FX.

Of 5 money transfer companies offering services from China to the United States, Regency FX is the quickest way to send money.

With Regency FX , the transfer time to US is minutes - 24 hours, with a 0 CNY transfer fee (based on 元51,321 transfer)

When testing the fastest options, we compared the 5 money transfer providers offering China to the United States transfers for overall speed. This included transfer times to after depositing Yuan Renminbi to a money transfer account.

When you want the fastest way to send, Regency FX is our recommended choice for China to the United States transfers.

Sending large sums of money?

For transferring a bigger sum of money to the United States from China, we’d recommend using a provider that can offer a hands-on approach.

Of the
5 companies tested, Wise is the best rated for larger transfer amounts.

Whether for a property purchase, or as a gift, sending large amounts of money to United States from China can be expensive.

Wise is our choice for big transfers to CNY because of all round price, speed and management when making large transfers.

Understanding the cost of money transfers from China to United States

The total cost of sending money to United States from China is made up of a combination of mid-market, exchange rates and fees.

The Mid-Market and Exchange Rates: The current mid-market for CNY-USD is 0.1394 USD per Yuan Renminbi.

Using a transfer company with an exchange rate as close to the mid-market rate as possible will result in being able to buy more US Dollar for your Yuan Renminbis.

Over the last 7 days, the average CNY-USD mid-market rate has seen each Yuan Renminbi worth 0.1394 USD. Within this we see a high of 0.1395, and a low of 0.1391.

Of the 5 companies compared, Wise offers the best exchange rates.

The biggest factor in the overall cost of sending money is the exchange rate you receive on converting CNY to USD.

Fees: When sending money you may have to pay fees. Regency FX costs 0 CNY per transfer at the moment, which is the cheapest option of the 5 providers compared. We would recommend searching to ensure you get the correct fee for your transfer amount.

Amount Received: When comparing providers, the best measure is the amount of US Dollar eventually received in the United States.

This number should be a guide for your decision if cost is important. A higher amount of money received in the United States means a better overall cost of sending money from China.

Getting best exchange rate for transfers between Yuan Renminbi and US Dollar

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

Mid-market Rate
1 
=
0.139421 
USD

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from CNY to USD has moved slightly. On average, it was 0.1394.

  • During this same period,there was a high of 0.1395, and a low of 0.1391.

  • Wise, which is our recommended service to send money online from China to United States offers 0.1394 USD per CNY which is only 0.02% above the mid-market rate.

Want to secure the best CNY-US Dollar exchange rates?

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

How to pay for money transfers between China and
United States

  • Bank transfers

    Bank transfers are often fastest, cheapest and best way to send money from China to the United States.

    Using a money transfer company such as Regency FX for transfers from China to the United States, will mean being able to send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


    On average, Regency FX is the cheapest provider for bank transfers of the 5 we compared for transfers from CNY to the United States.

    To send money from China to United States, Regency FX has a fee of 0 CNY.

  • Debit cards and prepaid options

    Sending money from China to the United States with a debit card or a prepaid card is very simple with .


    is the cheapest option for sending money with a debit card between China and the United States. This is of the 5 money transfer companies offering debit card payments on this route.

  • Credit cards

    When it comes to credit card transfers from China to the United States, we recommend comparing your options to get the best deal.

    Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

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


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 China to United States.


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


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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How long does it take to send money from China to United States?
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Are there any minimum or maximum transfer amounts for sending money from China to United States?
Can I schedule regular transfers between China and United States?

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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