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Send money from Germany to China(EUR → CNY)
EUR
CNY|Pricing observed Mid-market 7.7836Top-ranked estimateof 2 providers
Panda Remit
Rate 7.7229 · Fee €5.99
You send
€1,000
Estimated receipt
¥7,677
¥87 more than the lowest estimate · 0.78% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 EUR to CNY, Panda Remit ranks first among 2 provider estimates, with an estimated payout of 7,676.65 CNY. The first-ranked estimate pays 86.84 CNY more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Germany specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send EUR to CNY?
Sending €1,000 from Germany to China. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 7.7229·Fee €5.99·0.78% markup
Rate 7.5898·Fee Free·2.49% markup
Best rate 122 of 122 days
↓ 1.9% over 122dAvg: 7.61 CNY (-0.3% vs avg)Range: 7.52–7.74
2
Under 3 minutes (95% of transfers)2.49% markup
Best rate 122 of 122 days
↓ 1.9% over 122dAvg: 7.61 CNY (-0.3% vs avg)Range: 7.52–7.74
7.5898
Free
¥7,589.81
Send
Rate 7.7214·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by ¥86.84 on a €1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Sending money from Germany to China? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best CNY amount today.
Money transfers from Germany to China are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of EUR per year. Use our comparison to find today's best deal.
Which provider offers the best EUR to CNY rate?
Panda Remit
4.0Exchange rate
7.7229
Fee
€5.99
Recipient gets
¥7,676.65
Speed
Minutes
Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Germany to China route.
Cheapest transfer
Panda Remit
Delivers the most CNY for your money
Fastest transfer
Panda Remit
Delivers in Minutes
Bank transfer
Panda Remit
Best rate for bank deposit to China
How to send money to China
Sending money to Chinais straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much EUR you want to send, compare providers above, and pick the one offering the best CNY amount for your transfer to China.
Step 2
Add your recipient
Enter your recipient's details in China — you'll need their bank account number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to China
Make sure you have these details from your recipient before starting your transfer.
Full name (Chinese characters)
Recipient's name in Chinese characters as registered with their bank
Bank account number
16–19 digit Chinese bank account or UnionPay card number
Bank name & branch
Full bank name and province/city of the branch
CNAPS code
OptionalChina National Advanced Payment System code (12 digits) identifying the specific branch
Note: China does not use IBAN. You need the recipient's Chinese name (in characters), bank account or card number, and the bank branch location. Some providers also accept Alipay or WeChat Pay for smaller amounts.
Transfer examples: EUR to CNY
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
Panda Remit
7.72 · Minutes
TapTap Send
7.59 · Under 3 minutes (95% of transfers)
Regency FX
7.72 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Panda Remit€5.997.72¥3,815Minutes
TapTap SendFree7.59¥3,795Under 3 minutes (95% of transfers)
Regency FXFree7.72¥3,861Same day to 2 business days
Send €1,000
ProviderFeeReceives
Panda Remit
7.72 · Minutes
TapTap Send
7.59 · Under 3 minutes (95% of transfers)
Regency FX
7.72 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Panda Remit€5.997.72¥7,677Minutes
TapTap SendFree7.59¥7,590Under 3 minutes (95% of transfers)
Regency FXFree7.72¥7,721Same day to 2 business days
Send €5,000
ProviderFeeReceives
Panda Remit
7.72 · Minutes
TapTap Send
7.59 · Under 3 minutes (95% of transfers)
Regency FX
7.72 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Panda Remit€5.997.72¥38,568Minutes
TapTap SendFree7.59¥37,949Under 3 minutes (95% of transfers)
Regency FXFree7.72¥38,607Same day to 2 business days
How much does it cost to send money from Germany to China?
Transfer fees from Germany to China vary by provider. Specialist services charge €0–10 per transfer, while banks charge €25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total CNY your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (7.7836).
Ways to send money to China
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Alipay and WeChat Pay are increasingly popular for receiving international transfers in China — they're faster than bank deposits and don't require branch details. For bank transfers, ensure the recipient's name is in Chinese characters exactly as registered.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in China?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
Bank Deposit
1–3 business days
Transfer to major Chinese banks. Requires accurate Chinese-character recipient name matching bank records.
WiseRemitlyWorldRemitWestern Union
Alipay
Minutes
Transfer directly to recipient's Alipay account — China's largest digital payment platform with 1B+ users.
RemitlyWorldRemit
WeChat Pay
Minutes
Send to WeChat Pay wallet — deeply integrated into daily life in China.
WorldRemit
UnionPay Card
Hours
Deposit directly to any UnionPay-linked bank card.
Remitly
What are the transfer limits and regulations for China?
Important rules and requirements to know before sending money to China.
Regulatory body
State Administration of Foreign Exchange (SAFE) / People's Bank of China (PBOC)
Inbound transfer limits
Individuals can receive up to $50,000 USD equivalent per year without additional documentation under SAFE rules
Documentation you may need
- Sender's government-issued ID
- Recipient may need to provide their Chinese ID number to their bank for amounts over $500
- Purpose of transfer may be required (family support, tuition, etc.)
Important things to know
- China has strict foreign exchange controls managed by SAFE. Individual recipients have an annual limit of $50,000 equivalent for personal foreign exchange.
- Recipient's Chinese name must match their bank records exactly (in Chinese characters) — mismatches will cause the transfer to be rejected.
- Some providers cannot send to business accounts in China — only personal accounts.
- CNY exchange rates can be affected by PBOC policy — rates may not float freely.
How long does it take to send money to China?
Most transfers from Germany to China arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to China for a small premium.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- Panda RemitMinutes
- TapTap SendUnder 3 minutes (95% of transfers)
Standard delivery
- Regency FXSame day to 2 business days
Popular banks in China
These are the most commonly used banks for receiving international transfers in China.
BankSWIFT/BICNotes
Industrial and Commercial Bank of China (ICBC)
ICBKCNBJXXX
China Construction Bank (CCB)
PCBCCNBJXXX
Agricultural Bank of China (ABC)
ABOCCNBJXXX
Bank of China (BOC)
BKCHCNBJXXX
China Merchants Bank (CMB)
CMBCCNBSXXX
Bank of Communications
COMMCNSHXXX
48/ 100
Typical time to send
SendScoreToday's best rate is -0.32% vs the 30-day average, 50% of the way up the 90-day range. Rates are flat over the past week.
- 40%Position in the 90-day range — 50% of the way up the 90-day range
- 25%Versus the 30-day average — -0.32% vs the 30-day average
- 15%This week versus last — flat over the past week
Who is usually cheapest here
TapTap Send delivered the most on 91 of the last 91 days it quoted here (100%) — and it is also today's best, so the usual leader is winning today.
- 100%TapTap Send — cheapest on 91 of 91 days it quoted
- 0%Pandaremit — cheapest on 0 of 91 days it quoted
91 days where two or more providers quoted, over 91 days. Days with a single quote are excluded — winning unopposed is not evidence. See every corridor.
Measured from 122 days of our own recorded provider rates for EUR→CNY
EUR to CNY Exchange Rate History
Daily best exchange rates from top providers over the last 122 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ | Pandaremit |
|---|---|---|---|
| Trend | |||
| Sep 12 | 7.5900 | 7.7231✓ | 7.7231✓ |
| Sep 11 | 7.5800 | 7.7464✓ | 7.7464✓ |
| Sep 10 | 7.5900 | 7.7329✓ | 7.7329✓ |
| Sep 9 | 7.6100 | 7.7385✓ | 7.7385✓ |
| Sep 8 | 7.6100 | 7.7342✓ | 7.7342✓ |
| Sep 7 | 7.6000 | 7.7359✓ | 7.7359✓ |
| Sep 6 | 7.6000 | 7.7039✓ | 7.7039✓ |
| Sep 5 | 7.6000 | 7.7332✓ | 7.7332✓ |
| Sep 4 | 7.6100 | 7.7473✓ | 7.7473✓ |
| Sep 3 | 7.5900 | 7.7211✓ | 7.7211✓ |
| Sep 2 | 7.6000 | 7.7261✓ | 7.7261✓ |
| Sep 1 | 7.6000 | 7.7305✓ | 7.7305✓ |
| Aug 31 | 7.6000 | 7.7305✓ | 7.7305✓ |
| Aug 30 | 7.6000 | 7.7399✓ | 7.7399✓ |
| Aug 29 | 7.6000 | 7.7399✓ | 7.7399✓ |
| Aug 28 | 7.6300 | 7.7649✓ | 7.7649✓ |
| Aug 27 | 7.6400 | 7.7677✓ | 7.7677✓ |
| Aug 26 | 7.6500 | 7.7802✓ | 7.7802✓ |
| Aug 25 | 7.6500 | 7.7782✓ | 7.7782✓ |
| Aug 24 | 7.6600 | 7.7872✓ | 7.7872✓ |
| Aug 23 | 7.6500 | 7.7915✓ | 7.7915✓ |
| Aug 22 | 7.6500 | 7.7899✓ | 7.7899✓ |
| Aug 21 | 7.6600 | 7.7950✓ | 7.7950✓ |
| Aug 20 | 7.6600 | 7.7934✓ | 7.7934✓ |
| Aug 19 | 7.6100 | 7.7463✓ | 7.7463✓ |
| Aug 18 | 7.6100 | 7.7462✓ | 7.7462✓ |
| Aug 17 | 7.6100 | 7.7432✓ | 7.7432✓ |
| Aug 16 | 7.6100 | 7.7443✓ | 7.7443✓ |
| Aug 15 | 7.6000 | 7.7443✓ | 7.7443✓ |
| Aug 14 | 7.5900 | 7.7163✓ | 7.7163✓ |
| Aug 13 | 7.5800 | 7.7144✓ | 7.7144✓ |
| Aug 12 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 11 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 10 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 9 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 8 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 7 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 6 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 5 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 4 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 3 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 2 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Aug 1 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 31 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 30 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 29 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 28 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 27 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 26 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 25 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 24 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 23 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 22 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 21 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 20 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 19 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 18 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 17 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 16 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 15 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 14 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 13 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 12 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 11 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 10 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 9 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 8 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 7 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 6 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 5 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 4 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 3 | 7.5700 | 7.6983✓ | 7.6983✓ |
| Jul 2 | 7.5400 | 7.6670✓ | 7.6670✓ |
| Jul 1 | 7.5600 | 7.6882✓ | 7.6882✓ |
| Jun 30 | 7.5600 | 7.6996✓ | 7.6996✓ |
| Jun 29 | 7.5500 | 7.6918✓ | 7.6918✓ |
| Jun 28 | 7.5500 | 7.6918✓ | 7.6918✓ |
| Jun 27 | 7.5500 | 7.6918✓ | 7.6918✓ |
| Jun 26 | 7.5200 | 7.6676✓ | 7.6676✓ |
| Jun 25 | 7.5200 | 7.6696✓ | 7.6696✓ |
| Jun 24 | 7.5400 | 7.6657✓ | 7.6657✓ |
| Jun 23 | 7.5500 | 7.6821✓ | 7.6821✓ |
| Jun 22 | 7.5700 | 7.7168✓ | 7.7168✓ |
| Jun 21 | 7.5700 | 7.7343✓ | 7.7343✓ |
| Jun 20 | 7.5800 | 7.7289✓ | 7.7289✓ |
| Jun 19 | 7.5600 | 7.7124✓ | 7.7124✓ |
| Jun 18 | 7.5900 | 7.7414✓ | 7.7414✓ |
| Jun 17 | 7.6600 | 7.7849✓ | 7.7849✓ |
| Jun 16 | 7.6600 | 7.7849✓ | 7.7849✓ |
| Jun 15 | 7.6600 | 7.7849✓ | 7.7849✓ |
| Jun 14 | 7.6300 | 7.7766✓ | 7.7766✓ |
| Jun 13 | 7.6300 | 7.7766✓ | 7.7766✓ |
| Jun 12 | 7.6300 | 7.7766✓ | 7.7766✓ |
| Jun 11 | 7.6200 | 7.7614✓ | 7.7614✓ |
| Jun 10 | 7.6200 | 7.7614✓ | 7.7614✓ |
| Jun 9 | 7.6200 | 7.7656✓ | 7.7656✓ |
| Jun 8 | 7.6200 | 7.7685✓ | 7.7685✓ |
| Jun 7 | 7.6100 | 7.7454✓ | 7.7454✓ |
| Jun 6 | 7.6100 | 7.7454✓ | 7.7454✓ |
| Jun 5 | 7.6700 | 7.8152✓ | 7.8152✓ |
| Jun 4 | 7.6700 | 7.8096✓ | 7.8096✓ |
| Jun 3 | 7.6700 | 7.8084✓ | 7.8084✓ |
| Jun 2 | 7.6700 | 7.8120✓ | 7.8120✓ |
| Jun 1 | 7.6900 | 7.8222✓ | 7.8222✓ |
| May 31 | 7.6900 | 7.8061✓ | 7.8061✓ |
| May 30 | 7.6900 | 7.8061✓ | 7.8061✓ |
| May 29 | 7.7000 | 7.8368✓ | 7.8368✓ |
| May 28 | 7.6800 | 7.8215✓ | 7.8215✓ |
| May 27 | 7.7000 | 7.8352✓ | 7.8352✓ |
| May 26 | 7.7100 | 7.8389✓ | 7.8389✓ |
| May 25 | 7.7200 | 7.8455✓ | 7.8455✓ |
| May 24 | 7.6900 | 7.8086✓ | 7.8086✓ |
| May 23 | 7.6900 | 7.8086✓ | 7.8086✓ |
| May 22 | 7.7000 | 7.8416✓ | 7.8416✓ |
| May 21 | 7.7000 | 7.8505✓ | 7.8505✓ |
| May 20 | 7.7100 | 7.8522✓ | 7.8522✓ |
| May 19 | 7.7300 | 7.8643✓ | 7.8643✓ |
| May 18 | 7.7200✓ | 7.7200✓ | — |
| May 17 | 7.7200✓ | 7.7200✓ | — |
| May 16 | 7.7200✓ | 7.7200✓ | — |
| May 15 | 7.7100✓ | 7.7100✓ | — |
| May 14 | 7.7400✓ | 7.7400✓ | — |
Frequently asked questions
Common questions about sending money from Germany to China
What is the cheapest way to send money from Germany to China?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Germany to China?
Most specialist providers deliver to China within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send €1,000 from Germany to China?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much CNY your recipient would receive from a €1,000 transfer today.
Can I send money from Germany to China online?
Yes, all the providers we compare support online transfers from Germany to China. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to China?
Money transfer services are almost always cheaper. Banks typically charge €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to China.
More for this corridor
Everything about sending money to China
Recipient requirements, delivery methods, regulations, popular banks, and more.
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Popular corridors
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Banking tools
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