Best Ways to Send Money from the USA to China (2025 Update)

As of December 16, 2025 - 9 options available, rates from 7.0566 CNY per 1 USD.

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9 Top Providers to Send Money from the USA to China

How to send 1000 USD to CNY

Cheapest
No fees
First transfer is fee-free
1000 USD = 7056.60 CNY
Rate 7.0566
Fees 0 USD
Speed
2 days
Payment options
Debit card Bank account Cash at Location
Receive options
Mobile wallet
Fastest
No fees
Special rate and no fees on your first transfer
1000 USD = 7042.10 CNY
Rate 7.0421
Fees 0 USD
Speed
Instantly
Payment options
Debit card Credit card
Receive options
Bank account Cash Pickup Home delivery Mobile wallet
$10 off first 2 transfers with code FROMTO
1000 USD = 7044.20 CNY
Rate 7.0442
Fees 0 USD
Speed
2 days
Payment options
Bank Debit (ACH) Payee Bank account
Receive options
Bank account

The best services to transfer money from the United States to China

How to send money from the USA to China
🪙 Cheapest to a bank accountMoneyGram
💳 Best with credit card paymentRemitly and MoneyGram
💶 Easiest cash pickupRemitly
🎁 Special offers for first transfersWise

Are you thinking of doing business with a company based in China, and your only source of concern is regarding how you can send money to your recipient in the most efficient manner?

Or do you have someone in China that you want to send money to, but don't want to do that through any of these platforms that charge hidden service fees?

You can count yourself fortunate as this article will be showing you the cheapest way to send money from the US to China.

How to send money from the USA to China

  1. Enter the country of departure – United States.
  2. Enter the country of receipt – China.
  3. Select the departure currency - you can send money online from the USA in USD and EUR.
  4. Enter the transfer amount in the selected currency - for example, USD.
  5. Select receipt currency - the recipient can receive money in China in CNY, USD, EUR.
  6. Choose an appropriate option from the 4 proposed providers and follow the link to process a money transfer from the USA to China.

Available options for receiving remittances from the USA to China

We have found an available option on how to receive money transfer from the USA to China Receiving a transfer from the USA can be done to China to a mobile wallet, bank account or in cash.

How do I transfer money from the USA to China to a bank account?

How do I send money from the USA to China to a mobile wallet?

Different ways to pay for money transfers to China from the USA

We have found a convenient way to pay for money transfers from the USA to China. You can use a to China to pay for the transfer Debit card, Bank account, Cash at Location, Bank Debit (ACH), Payee or Credit card.

How to transfer money to China from the USA with a debit card?

How to send money to China from the USA from a bank account?

How to remit money to China from the USA by credit card?

How to send cash to China from the USA?

How to wire money to China from the USA using Bank Debit (ACH)?

What are the different ways of transferring money from the US to China?

Going to a bank and filling out forms just because you want to make wire money from the US to China can be a daunting and time-intensive task. Plus, such transactions are expensive to execute.

There are easier ways to send money between the said countries. An online payment gateway is faster, reliable, and cheaper. If you want to use any of the e-transfer gateways to send money, the first thing you will do is signing up on their platform. After you have successfully signed up, you will be deemed fit to transfer money to any recipient of your choice—no need approaching the bank to do anything. Right inside your home, you can pay with your Master Card or Credit Card.

Top 4 money transfer providers from the USA to China

The following chart is a calculation of the transfer of 1000 USD to CNY from the USA to China.
ProviderRateFees and special offers
MoneyGram7.0566 CNYFirst transfer is fee-free
InstaReM7.0442 CNY$10 off first 2 transfers with code FROMTO
Remitly7.0421 CNYSpecial rate and no fees on your first transfer
Wise7.0477 CNYFees = 17.80 USD

Which service should you use to send money to China from the US?

Financial solution providers that can help you to send money to any local bank. There are many banks in China and you can get confused about which one to use. You can use a couple of things to assess a service provider to know if you want to use it. Time and convenience are the two major factors that can help you decide on a particular money provider service.

Reliable online remittance providers to China from the USA

Send money from the USA to China with Wise

WiseWise (formerly TransferWise) offers some great options for sending money from the USA to China.
💱 Is it cheap?The exchange rate at Wise is 7.0477 CNY for 1 USD. The fees and transfer speed depend on the payment option you choose and can vary.
💲 How to pay?The best way to pay is via Bank account. There is also the option of paying using Debit card or Credit card, but the fees will be higher.
⌚ Is it fast?The fastest way to send money is via Bank account, Debit card or Credit card. The transfer will then be processed instantly.
💰 How to receive?There is only one option available from Wise for transfers to China - money can be received into a bank account.
In addition to these providers, you can also use MoneyGram, InstaReM, Remitly and others. You can compare the offers of each of them in order to choose the most favourable option.

How much does it cost to wire money from the USA to China?

While it is already known that sending money via physical wire transfer is expensive, online financial companies do not charge as high as that. When using the best way to transfer money from the USA to China, you are only required to pay a meager sum as transfer fee charges. In some cases, you don't even have to pay anything. It all depends on the service you are using to send the money from the USA to China.

Advantages of Working with Us

It’s one thing for you to think that you are using the cheapest way to send money from the USA to China, but it's entirely another thing to do so. That is because finding an efficient service that is cost-effective at the same time hinges on many dynamic factors. Apart from helping you send your money to China with the current and best market prices, here is how our money comparison site can help you:

  • Swift delivery in minutes or hours.
  • All transactions are 100% secured.
  • No hidden charges during the transaction
  • All the money exchange gateways on our site are reputable and trusted.

FAQ

What is the best way to send money from the USA to China (USD → CNY)?

What is the fastest way to transfer money from the USA to China (USD → CNY)?

What payment methods to use for transfers from the USA to China?

How to receive money transfer from the USA in China?

How to send money from the USA to China for free?

Popular destinations of transfers from the USA