โอนเงินออนไลน์และโอนเงินระหว่างประเทศ

There are several options. Traditional wire transfers through your bank work but they're slow and expensive — usually $25 to $45 per transfer plus unfavorable exchange rates. Online services like Wise, Remitly, or Western Union are often cheaper and faster. How much are you looking to send?

Right now, the mid-market rate is 1 USD to 7.25 CNY. Our rate is 7.22 — that small difference is how we cover part of our costs. The transfer fee is $4.99 for bank deposit delivery. So for $2,000, your parents would receive approximately 14,410 yuan. The total cost to you would be $2,004.99.

For delivery to a Chinese bank account, it typically takes one to two business days. We need the recipient's full name in Chinese characters and pinyin, their bank account number, the bank name and branch name, and the CNAPS code — that's the Chinese bank routing number. Your parents can find this information in their banking app.

Actually, yes! We recently added Alipay as a delivery option for China. Your parents just need their Alipay account linked to their phone number. Delivery is almost instant — usually within minutes. The fee is the same. WeChat Pay isn't available as a direct option yet, but once the money is in their bank account, they can access it through WeChat.

Yes, there are limits. As an individual, you can send up to $50,000 per year under China's foreign exchange regulations. Our platform limit is $10,000 per transaction and $25,000 per month. For amounts over $10,000, we'll need additional identity verification — that's a regulatory requirement. Anything above $10,000 in a single transfer also needs to be reported under US law.

Great, I'll walk you through it. First, enter the amount and select Alipay as the delivery method. Then enter your mother's full name and Alipay ID — usually her phone number. You'll see a confirmation screen showing the exact amount in CNY she'll receive. Once you confirm, I'll send you a tracking number so you can monitor the transfer. Ready?

I'm sorry about that. Let me look up your transfer with the tracking number. Can you provide it?

I found it. The transfer was sent successfully on our end, but I can see it was held by the receiving bank for compliance review. This sometimes happens with international transfers to China — the bank may need to verify the purpose of the funds. Your mother should contact her bank directly to complete the verification.

Don't worry — she'll be dealing with a Chinese bank in Chinese. She just needs to go to her local ICBC branch with her ID card and tell them she's expecting an international transfer. They may ask her to fill out a form stating the purpose — she can write "family support" or "living expenses from overseas family member." That's usually enough to release the funds.

If it's not resolved within five business days, call us back and we can initiate a trace on the funds through the SWIFT network. In the worst case, if the receiving bank rejects the transfer, the money will be returned to your account — though it may take 7 to 10 days. We won't charge you again for the re-transfer.

Yes, that's possible. Sometimes an intermediary bank — a bank that processes the transfer between us and the receiving bank — charges a fee. It's usually $10 to $30. Unfortunately, we can't control that. Also, the receiving bank in China may charge a small incoming wire fee. For future transfers, using Alipay delivery avoids both of these fees since it goes directly without intermediary banks.