US→China Money Transfer Calculator
中美汇款计算器
Live USD→CNY rate, the real all-in cost of wiring, Wise, Remitly and Western Union, and the rules on both sides, each with its source.
No ads, no affiliate links. We earn nothing from any provider.
中美汇款计算器
Live USD→CNY rate, the real all-in cost of wiring, Wise, Remitly and Western Union, and the rules on both sides, each with its source.
No ads, no affiliate links. We earn nothing from any provider.
What actually arrives in China when you send US dollars by bank wire, Wise, Remitly or Western Union. “Total cost” is everything you lose versus the mid-market rate: the visible fee plus the markup hidden in the exchange rate. Wise, Remitly and Western Union (bank account) fees refresh automatically; anything we had to estimate is labelled.
| Provider | Arrives | Total cost | Effective rate | Data |
|---|---|---|---|---|
| Remitly · Bank account or debit card | ¥6,609.99 | $8.48 (0.85%) | 6.6100 | |
| Wise · Pay by bank (ACH) → bank card / Alipay | ¥6,576.04 | $13.57 (1.36%) | 6.5760 | |
| Western Union → Alipay / Weixin · Pay from bank account | ¥6,571.32 | $14.28 (1.43%) | 6.5713 | |
| Western Union → bank account · Pay from bank account | ¥6,502.87 | $24.55 (2.45%) | 6.5029 | |
| Bank wire in CNY · Chase (online: $5, $0 from $5,000) | ¥6,467.34 | $29.88 (2.99%) | 6.4673 | |
| Bank wire in USD · Chase (online, $40) | ¥6,227.66 | $65.83 (6.58%) | 6.2277 |
Computed at the mid-market rate 1 USD = 6.6665 CNY (Frankfurter (blended central-bank rates), 2026-10-25); bank wires in USD use Bank of China’s TT buying rate 6.6606. All of today’s rates
Page generated Oct 24, 2026, 21:14 UTC from the live fee feed; refreshed about every 15 minutes.
On today’s numbers, paying $1,000 with each provider’s default option, Remitly · Bank account or debit card delivers the most: ¥6,609.99, a total cost of $8.48 (0.85%) versus the mid-market rate. The order changes with the amount, the pay-in method and the day, so enter your own amount in the calculator above.
US federal law sets no maximum on what you can send; each provider sets its own limits. CFPB: “There is also no cap in the Rule on the amount of the transfer.” Each person in China may convert up to USD 50,000 equivalent of foreign currency into CNY (结汇) per calendar year with just their ID, and separately buy up to USD 50,000 (购汇). It resets on January 1; unused quota doesn’t carry over. Receiving foreign currency from abroad has no amount or count limit. The quota applies when the recipient converts it to CNY. Providers add their own caps, e.g. Western Union: up to $7,000 online to bank accounts in China. Wise: Alipay and Weixin up to 50,000 CNY per transfer; UnionPay cards up to 33,000 CNY.
All fees come out of the amount you pay. “Total cost” = what your dollars would buy at the mid-market rate − what actually arrives, so it includes both visible fees and the markup hidden in the exchange rate.
Fees marked “Live” refresh automatically: Wise’s from its public price table, Remitly’s and Western Union’s (bank-account payout) from Wise’s public price comparison, which records their quotes several times a day. Each row shows when its numbers were collected. If the live feed is down we use a daily snapshot of the same data. Fees marked “Published” are from the provider’s own pricing page on the date shown. “Estimate” means the provider doesn’t publish a fixed number (for example intermediary bank fees or a bank’s FX markup), so we use a typical value: open the breakdown and replace it with your own quote.
Gifts up to the annual exclusion, $19,000 per recipient in 2026, are not taxable gifts and need no filing. Above that to any one person in a year, the giver files Form 709. Filing rarely means paying: tax is due only after lifetime taxable gifts exceed the basic exclusion, $15,000,000 for 2026.