This article explains the requirements for people sending money to China and for recipients in China who want to receive international money transfers.
Sending money to someone in China
Please check that recipients in China are Chinese citizens and that they hold a valid national identity document before you begin a money transfer.
Requirements for recipients receiving international transfers
Recipients in China must complete the registration and verification processes as required by their account provider in order to receive international transfers.
Please see below the requirements for Alipay and China UnionPay Cards.
Requirements for sending money to an Alipay account
You'll need the mobile number or email address associated with your recipient's Alipay account to send them money.
Please make sure that your recipient has:
- registered with Alipay and has selected 'Alipay account balance' as their collection method
- given consent to use the Quick Collect Service
Requirements for sending money to a China UnionPay Card (bank deposit)
You will need the mobile number associated with the recipient's bank account to send money to their China UnionPay Card.
We recommend using a type one debit card. Issuing banks impose additional limits for type two debit cards. The limits for type two debit cards are RMB 10,000 a day and RMB 200,000 a year.
Your recipient will need to complete the Online First Time Registration process and verify their information on the ChinaUMS website in order to receive an international money transfer.
Sending money to yourself
If you're sending money to yourself, please make sure you've verified your account and that it is active so that you can receive an international money transfer.