Send money to UnionPay

Send money to UnionPay from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

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Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (50h)

You send

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
297.18 HKD

Total included fees (0.68%)
297.18 HKD

You could save up to 1,353.19 HKD

Should arrive in seconds

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Send money to UnionPay

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (50h)

You send

Recipient gets exactly

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
297.18 HKD

Total included fees (0.68%)
297.18 HKD

You could save up to 1,353.19 HKD

Should arrive in seconds

See how much it costs to send money abroad

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 1,000 HKD with	Recipient gets(Total after fees)
	907.36 CNY
Exchange rate(1 HKD CNY) 0.907359 Exchange rate markup 8.59 HKD

	885.74 CNY- 21.62 CNY
Transfer fee 32.21 HKD Exchange rate(1 HKD CNY) 0.915224 Exchange rate markup 0 HKD Cost of transfer 32.21 HKD

	843.77 CNY- 63.59 CNY
Transfer fee 70 HKD Exchange rate(1 HKD CNY) 0.907276 Exchange rate markup 8.68 HKD Cost of transfer 78.68 HKD

	702.47 CNY- 204.89 CNY
Transfer fee 230 HKD Exchange rate(1 HKD CNY) 0.912297 Exchange rate markup 3.20 HKD Cost of transfer 233.20 HKD

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Hang Seng	Wise	HSBC HK	Bank of East Asia
Recipient gets (Total after fees)	907.36 CNY	885.74 CNY	843.77 CNY	702.47 CNY
Exchange rate (1 HKDCNY)	0.907359	0.915224	0.907276	0.912297
Exchange rate markup	8.59 HKD	0 HKD	8.68 HKD	3.20 HKD
Transfer fee	0 HKD	32.21 HKD	70 HKD	230 HKD
Total transfer cost	8.59 HKD	32.21 HKD	78.68 HKD	233.20 HKD

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We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to UnionPay in 3 easy steps

Enter amount to send in HKD.

Pay in HKD with your debit card or credit card, or send the money from your online banking.

Choose recipient .

Select who you want to send money to and which pay-out method to use.

Send HKD, receive CNY.

The recipient gets money in CNY directly from Wise’s local bank account.

Create free account now

What is UnionPay money transfer?

A UnionPay card money transfer can get money to friends and family in China easily and conveniently.

Wise provides UnionPay card money transfers to personal card holders, where the UnionPay account is in CNY, has been opened with a Chinese national ID, and supports UnionPay’s MoneyExpress service.

Wise UnionPay card money transfers are offered in 21 supported currencies, when the sender is based in a country where UnionPay can process payments, and the UnionPay card is aligned to an account with a Chinese bank that accepts incoming international transfers.

You can make a UnionPay card money transfer up to the value of 33,000 CNY per transaction. UnionPay card accounts can receive up to 10,000 USD or the CNY equivalent per day, or 50,000 USD per year. This total amount includes payments made through Wise and alternative services providing international transfers to UnionPay.

Learn more about using UnionPay card transfers.

Online money transfer fees

How much does it cost to send money to UnionPay?

To send money to UnionPay with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad

The cheapest way to send HKD to CNY is by using money that's in your Wise account and costs 294.07 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

CNY

Sending HKD	Transfer cost
Wise account	294.07 HKD

Bank transfer	297.18 HKD

Fastest way to send money abroad

A money transfer to UnionPay (HKD-CNY) should arrive in seconds. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

HKD

CNY

Sending HKD	Should arrive
Wise account	in seconds

Bank transfer	in seconds

See where Wise works

Send money

How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Send money to UnionPay

Send money to UnionPay

See how much it costs to send money abroad

How to send money to UnionPay in 3 easy steps

Enter amount to send in HKD.

Choose recipient .

Send HKD, receive CNY.

What is UnionPay money transfer?

Online money transfer fees

How much does it cost to send money to UnionPay?

Cheapest way to send money abroad

Fastest way to send money abroad

See where Wise works

How we keep your money safe

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