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Transferring money out of China can be complex due to regulatory requirements, but services like Western Union simplify the process by offering fast and reliable international remittance solutions. Whether you are an expat, student, or business traveler, Western Union allows you to send money to over 200 countries and regions worldwide.
This guide explains both online and in-person methods, along with essential tips to ensure a smooth transaction.
Method 1: Sending Money Online
Online transfers are convenient and ideal if you have access to Chinese banking services.
Requirements
To use this method, you must have:
- A Chinese debit card
- Access to online or mobile banking
- An account with a partner bank, such as
- Bank of China
- China Everbright Bank
- Shanghai Pudong Development Bank
- Postal Savings Bank of China
Steps to Transfer Online
- Log in to your bank’s online or mobile banking platform
- Navigate to international remittance or Western Union services
- Enter transfer details:
- Amount to send
- Recipient’s full name (must match ID)
- Destination country
- Purpose of transfer (required by Chinese regulations)
- Choose your payment method (debit card)
- Confirm and complete the transaction
After Sending
- You will receive a Money Transfer Control Number (MTCN)
- Share the MTCN with your recipient
- The recipient can collect the funds within minutes (depending on service availability)
Please watch the video given below to learn more:
Method 2: Sending Money In Person
If you prefer face-to-face service or don’t have online banking, you can visit a Western Union agent location.
Steps for In-Person Transfer
- Visit a nearby Western Union agent branch in China
- Fill out the “Send Money” form
- Provide:
- Valid identification (passport recommended for foreigners)
- Recipient details
- Transfer amount
- Pay the transfer amount plus applicable fees
- Receive your receipt and MTCN
Collection by Receiver
Your recipient can:
- Visit any Western Union agent location worldwide
- Present valid ID and the MTCN
- Collect the funds, often within minutes
Fees, Limits, and Regulations
When sending money from China, keep in mind:
- Transfer Fees: Vary depending on amount, destination, and speed
- Exchange Rates: May include a margin above market rates
- Annual Limits: China has strict foreign exchange controls (typically USD 50,000 per year for individuals, subject to conditions)
- Documentation: You may need to provide proof of income or purpose for large transfers
Important Tips for Smooth Transfers
- Ensure the recipient’s name matches their ID exactly
- Double-check all details before confirming
- Keep your MTCN secure until the transfer is completed
- Use official bank channels to avoid fraud
- Plan ahead if sending large amounts due to regulatory checks
Advantages of Using Western Union
- Fast transfers (often within minutes)
- Global reach (200+ countries)
- Flexible sending options (online or in-person)
- Reliable and widely recognized service
Final Thoughts
Sending money out of China via Western Union is one of the most accessible options for foreigners and residents. By following the correct procedures and understanding local regulations, you can transfer funds safely and efficiently to almost anywhere in the world.
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