Top 10 Money Transfer Services to China - Dec. 2022

Compare top money transfer services & send money to China in minutes!

All listed services are safe & regulated
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
2
Transfer Fees: Low
Score
9.5
Minimum transfer: none
Instant cash pickup & airtime top-ups
3
Transfer Fees: Low
Score
9.2
No fees on transfers over £/$/€250
Bank beating exchange rates
4
Transfer Fees: Low
Score
8.8
5
Transfer Fees: Med
Score
8.4
6
Transfer Fees: Med
Score
8.2

Advertiser Disclosure

Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.

Advertiser Disclosure

Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.
Service
Features
Charges
Score
Regulation
Transfer Money Now
1
1st Transfer Bonus
Competitive rates, no hidden charges
Low-cost transfers for studying abroad
Transfer speed: usually instant
GBP
-
CNY
Low
EUR
-
CNY
Low
AUD
-
CNY
Low
ASIC (AU)
Time to Open Account
A few minutes
Sending Options
Debit/Credit Card
Wire Transfer
Bank Account
Mobile App
Receiving Options
Debit/Credit Card
Wire Transfer
Cash pickup
Bank transfer
Mobile money
Required Documents
ID Proof, Proof of Address
Money Transfer
Tracking
SMS/email
Notification
Bonuses &
Rewards
6,519 Reviews | Excellent
2
Low fees: 0-$1
Minimum transfer: none
Instant cash pickup & airtime top-ups
GBP
-
CNY
Low
USD
-
CNY
Low
AUD
-
CNY
Low
FCA
Time to Open Account
A few minutes
Sending Options
Bank Account
Mobile App
Receiving Options
Cash pickup
Bank transfer
Mobile money
Airtime top up
Door-to-door
Required Documents
ID Documentation, Proof of Address
Mobile/App
Transfers
Social Media
Support
SMS/email
Notification
3
No fees on transfers over £/$/€250
Transfer speed: 1-2 hours
GBP
-
CNY
Med
AUD
-
CNY
Med
FCA, FinCen, ASIC
Time to Open Account
A few minutes
Sending Options
Credit Card
Debit Card
Bank Account
Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Money Transfer
Tracking
Live
Rates
Advanced
Currency Solutions
49,571 Reviews | Excellent
4
No minimum transfer amount
Same day express transfers
GBP
-
CNY
Med
FCA
Time to Open Account
A few minutes
Sending Options
Credit/Debit Card
Bank Account
Receiving Options
Bank Deposit
Cash Pickup
Mobile Money
Home Delivery
Required Documents
Bank statements, ID Documentation
Mobile
Transfer
Phone
Support
Two-Factor
Authentication
21,377 Reviews |
5
The app is very useful
Good customer service
EUR
-
CNY
Med
FCA
6
Guaranteed flat fees
High security standards
EUR
-
CNY
High
FCA

Latest Reviews

"Instarem is easy to use and super fast like a bullet processing payment. I like it so much thank you instarem, wonderfull."

Pros

  • Global Network: 55+ countries within a transfer click
  • Transferring money to over 5 billion people
  • Rewards: Earn “InstaPoints” for every transfer you make
  • Safe & Reliable: regulated by 9 financial regulators
  • Zero-margin fee payment for Indian students studying abroad

Cons

  • The least you need to transfer is $50
  • Do not accept any cash, cheques or third-party payments

"Fast and efficient service, I have full confidence in WorldRemit and make the transfer of funds so easy."

Pros

  • Low costs incurred in transferring funds
  • Friend referral bonuses available to clients
  • Fully licensed and regulated by the FCA of the UK
  • Flexible Payment Options: credit/debit cards, bank transfer and others
  • Customer service available 24/7 in 6 different languages

Cons

  • Not all countries are covered by WorldRemit services
  • Transfer limit: max of $9k in 24 hours and $5k per transaction

"After many hours of researching my best options for funding my daughter's overseas tuition, I went with XE.com and I am very satisfied with the cost being minimal and the process expedient."

Pros

  • Fully regulated by the FCA, FinCen, ASIC, and FMA.
  • $0 fees per transaction with highly competitive “mid-market” exchange rates
  • Free accounts (personal & business)
  • 139 currencies to over 220 countries and territories
  • Instant and professional customer support 24/7

Cons

  • Cheques and cash payments are not accepted
  • Maximum transfer amount of US$500,000 (or currency equivalent)

How to Compare Money Transfer Services

Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies so you can find the best provider for your international transfer.

Safety

Check your chosen money transfer provider is regulated by a government authority, to ensure your money is safe & protected when transferred. The main regulators include:

– FCA (Financial Conduct Authority), UK

– ASIC (Australian Securities and Investments Commission)

– FinCEN (Financial Crimes Enforcement Network), USA

Fees & Rates

Some money transfer services charge a fixed transaction fee, others take a percentage of the transfer sum, while some services waive the transfer fee completely. The conversion rate is another money-maker for many services and as such poses yet another crucial pricing component to examine carefully. Consider the above to find the most cost-effective solution for your transfer.

Customer Support

Check the customer support channels available are convenient for you. These generally include email, online chat, phone or online ticketing system. In addition, some money transfer services provide a personal account manager to assist with special transactions and important tasks. Try checking this beforehand, to avoid stress when you need help.

Sending & Receiving Options

It’s important to confirm the sending options offered by your preferred money transfer provider are convenient for you. You should also ensure that your recipient is able to easily collect the money sent. Common sending options include bank transfer or credit card. Common receiving options include bank transfer and cash pickup.

Transfer Amounts

Another important element to consider is the amount of money you wish to transfer. Some services offer better features and benefits for large transfer amounts or business transfers, while others better handle small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.