How to Send Money to China

How to Send Money to China

International money transfers are everywhere nowadays. With so many people migrating from one place to another, even for temporary timeframes, there’s bound to be a circumstance where you, a non-immigrant, will have to send money to China.

It may be because your parents are in need of help – or because your friend, who is on a holiday there, has lost all his or her belongings and needs assistance. Can you send money to China in this case, even if you are a visa holder? Well, this article should clue you in on that.

Can a Visa Holder Send Money to China?

Yes, visa holders can certainly send money to other countries. Nowadays, there are countless remittance services that allow you to send money to different countries – China included. You may send through postal services as well, but it is much safer to use a remittance service.

Plus, once you have obtained your green card, you are eligible to do even the things that a born-there citizen can do. You may get a student loan, you may buy a house – and all you have to do is to familiarize yourself with the steps. The process is not actually difficult, as long as you know where to start.

3 Big Reasons Chinese Visa Holders Send Money Back Home

There are a few big reasons why people in the U.S.A. choose to send money back to China. Among those reasons you may find the following:

Supporting Family

No matter if you are a student or someone who went to the U.S. to find work, the chances are very high that you will try to help your family at home as well. The pay in America is generally good – so, even if you are working a part-time job there, there is a good chance that the pay will be high enough to help your family in need.

Plus, there are many families in China who are living on a low income – which is why some of their family members went to the States in the first place. Since a visa holder cannot travel back and forth whenever they wish, they will have to find a way to send those funds to their loved ones so that they can cope.


Even if a visa holder does not necessarily have to send money to support their family, they may still have a business in their home country that they do not wish to abandon. Let’s say that, prior to moving on a visa to the States, they were partners in a business there that brought them a sufficient amount of cash.

Obviously, they could not take the business to the States with them – so, the only option would be to invest in it from afar. For that, you would obviously have to send money – and quite often, depending on the kind of business that you are running. If the cash flow is healthy, you might have to send money quite often in order to make the business even more profitable.

Mortgage Payments

Some Chinese people that have come to America are only there on a temporary stay. They are speaking the Chinese language, shopping at Chinese grocery stores – and all the while, they are gathering money so that they can buy their dream home in their own country.

Most of the time, with the average salary in China, people cannot afford to pay for mortgages AND live a decent life as well. This is why most of them tend to live in rent for most of their lives. Their pay does not give them the possibility to advance.

However, by temporarily working in the States, they are generally able to earn enough money to pay for their mortgage AND live comfortably. All they have to do at this point is to send the money every month to their lender – and once the mortgage has been paid off, they can return to live in their new homes.

Luckily, with the money earned in the U.S., they should be able to pay off the loan really fast. Generally, it can be paid in around 2-3 years from the U.S. – which is quite a difference when compared to the 20+ years of a regular mortgage.

5 Best Ways to Send Money to China

First things first, you need to remember that you have a transfer limit when you are sending money to China. When converting from USD to CNY, you have a limit of $500 (about 3,500 CNY) – so, if you send $1,000, it might take two days and two separate bank visits for the receiver to take out the cash. This is because the money will be sent in batches.

With that in mind, there are several ways for you to transfer money to China – with the most popular methods being the following:

Bank Transfer

The bank transfer is the most obvious way to send money from a U.S. account into a Chinese one. All you need is to have an existent Chinese account – or to set one in which you may send that money. This may be done either from the bank, online, or you may ask someone to open that account.

To make the transfer, you will have to go to your bank in the United States and set the account in China as your “new wire recipient.” Transferring the money may be done straight from the bank – or from your online bank account if we were to assume that you are already in China.

Keep in mind that depending on the bank, they may charge different rates – which will also depend on the rates of your U.S./Chinese bank account. If you plan to turn these money transfers into something regular, then you should look into opening a bank account that has lower rates. Or, if you are transferring to someone else, you should give them the same advice regarding the account.

Write Yourself a Check

This solution is a classic, but nonetheless, an efficient one. If you want to make a transfer for yourself – for instance, to invest or to pay your mortgage – then you can simply write yourself a check. With prior planning, this could really work.

To do this, you will have to write a check from your U.S. bank account to your Chinese one and give it to the teller of the bank. The next step is… well, that’s it! The bank of China will handle the rest, and the only thing you’ll have to deal with is the small check transfer – which usually does not go past $15.

Send Via PayPal

PayPal has also become a very efficient method to transfer money from one country to another. All you will have to do is transfer the funds from your U.S. account into your U.S. PayPal, then from your U.S. PayPal to your International PayPal, and lastly transfer from your international PayPal to your Chinese account. You may skip the second step, but you may have to pay for a conversion fee of the currency.

Use a Third-Party Transfer Service

To transfer money into China, you may also go for third-party transfer services such as Western Union, TransferMate, and MoneyGram. All you have to do is go to their website or store, add the money, the destination details, and fill in some forms. A transfer fee will also be involved, but the sum is very low.

Withdraw from an ATM in China

If you have a U.S. bank account, you may use your debit card to withdraw money from an ATM – although you will have to deal with the $500 limit. The exchange rate may also eat from your funds, but in case of emergency, it’s a good way to get some quick cash in China.

Personal Loan to Send Money to China

No matter if you are a Chinese student looking for a refinance loan or simply someone that needs to send money to China fast, a personal loan may be able to help you in that regard. The Stilt process, for instance, is very straightforward.

1. Submit an Application

Once you have submitted the application, it will take about 24 hours until your application is reviewed. You may be contacted for more info if anything is amiss.

2. Receive an Offer

After the documents have been verified, you will receive an offer, along with a promissory note that will have to be signed. From there on, the money will reach your account in 2-3 business days.

3. Start Making Payments

Now that the loan was disbursed, all you have to do is schedule the payments and pay back the loan. You may set up an autopay account so that you do not have to remember the payments yourself.

Personal Loans
 for Non-U.S. Citizens!

Check Loan Options

Loans for up to $35,000. No cosigner required. No prepayment penalty.

Final Thoughts

Transferring money to China may be something necessary to do – particularly if you still have ties there, personal or professional. Thankfully, even as a Chinese citizen living in the U.S, you may still easily make these transfers – provided you know where to go.

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