What's the cheapest way to send money from the USA to China?

The cheapest way to send money from the USA to China is through an online provider. Among the 4 available, Panda Remit was most often the cheapest provider (in 77.1% of the searches on Monito.com in the past 3 months).

What are the best providers to send money from the USA to China?

Here are the providers that were the most often the cheapest in the comparisons of the past 30 days on Monito.com: Panda Remit (cheapest in 77.1% of the searches) Instarem (cheapest in 17.8% of the searches) Remitly (cheapest in 5.0% of the searches)

How much does it cost to send money from the USA to China?

If you send money with the cheapest available provider, the total cost of a USD-CNY transfer was -0.8% of the transfer amount (including all fees and exchange rates) over the past month. In contrast, the cost of the most expensive option was 4.7%.

What is the fastest option to send money from the USA to China

The provider that was most often the fastest provider in comparisons of the past 30 days was Remitly (average fastest transfer time: In minutes)

Find the best ways to send money to China from the USA

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Top Providers For transfers from the USA to China

Based on 1,767 comparisons made by Monito users in the past 3 months.

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Cheapest
8.7

Cheapest

in 77% of all comparisons
Go to Panda Remit
Top rated
9.5

Top rated

in 88% of all comparisons
Go to Wise
Fastest
9.1

Fastest

in 67% of all comparisons
Go to Remitly

Best of 4 providers. Compare all

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1 USD = CNY Mid-market exchange rate

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With more than 7 million searches per year, Monito's real-time comparison engine is a world leader in comparing international money transfer services.
$80M+ in transfer fees saved

By choosing a transfer service found on Monito, the average user pays a total of just 0.59% in fees and exchange rates. Compared to the 4.6% paid at a bank or traditional cash transfer service, Monito users have saved around $80 million in total to date!
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For every service appearing on Monito, our experts build in-depth reviews using dozens of verifiable criteria to make clear, actionable recommendations to guide your decisions.
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Monito's Recommendations for Sending Money from the USA to China

Affiliate disclosure

Today's cheapest money transfer service might not be the cheapest tomorrow. Find the one that's best-suited to your needs and preference by comparing the best performers on Monito's comparison engine over the past 30 days for transfers from the USA to China:

Best Ways to Send Money from the USA to China

The best rated: Wise (9.5/10)
The cheapest: Panda Remit
The fastest: Remitly
The fastest (transfer to a bank account): Instarem

Frequently Asked Questions

What's the cheapest way to send money from the USA to China?

The cheapest way to send money from the USA to China is through an online provider. Among the 4 available, Panda Remit was most often the cheapest provider (in 77.1% of the searches on Monito.com in the past 3 months).
What are the best providers to send money from the USA to China?
Here are the providers that were the most often the cheapest in the comparisons of the past 30 days on Monito.com:
- Panda Remit (cheapest in 77.1% of the searches)
- Instarem (cheapest in 17.8% of the searches)
- Remitly (cheapest in 5.0% of the searches)
How much does it cost to send money from the USA to China?

If you send money with the cheapest available provider, the total cost of a USD-CNY transfer was -0.8% of the transfer amount (including all fees and exchange rates) over the past month.
In contrast, the cost of the most expensive option was 4.7%.
What is the fastest option to send money from the USA to China

The provider that was most often the fastest provider in comparisons of the past 30 days was Remitly (average fastest transfer time: In minutes)

About Money Transfers from the USA to China

Monito compares 4 providers offering international money transfer services from the USA to China. The total cost of the cheapest available option at any given point in the past month was -0.8% of the transferred amount. In comparison, the total cost of the most expensive provider was on average 4.7%.

💸 Number of providers	4
🏆 Cheapest provider (on average)	Panda Remit
💰 Lowest total cost (on average)	-0.8%
💰 Highest total cost (on average)	4.7%
💸 Most transferred amount	300 USD
⚡ ️Fastest transfer time	In minutes
💳 Pay-in options	Direct bank payment, Debit card, Bank transfer, Credit card
💵 Pay-out options	Bank account, Mobile wallet
👍 Recommended providers	Remitly, Instarem, Wise, Panda Remit

Best Rated Providers to Send Money from the USA to China

9.5

9.1

8.7

8.1

See Monito's In-Depth Money Transfer Guides

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November 22, 2022 - by François Briod

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Best Money Transfer Services

October 11, 2023 - by François Briod

Everyone wins, except expensive solutions

With our model, the only losers are the expensive banks or providers you’ll stop using!

To ensure our independence, we always use transparent, objective and verifiable criteria in our comparison. No provider can buy their way to the top of our results.

We include as many providers as possible in our comparison and have partnerships with almost all major and innovative providers.

We make sure you never pay more than if you went directly to the provider of your choice. We even negotiate special offers for you with many of our partners.

You save money on your transfer by selecting the cheapest provider.
The best providers earn new customers without expensive marketing, helping keep their costs (and prices) low.
Monito receives a referral fee from the provider you selected. This enables us to offer our service to you for free.

Questions you may have

How can I use Monito to find the best option to send money to China?

Before each international money transfer, you should come and compare the costs of the different options on Monito, as they may have changed. The cheapest option is at the top, of our results but you may want to consider other criteria such as the speed of transaction or the pay-in or pay-out methods.
I simply use my bank to send money to China, do I really need to compare other options?

Of course! Banks are usually not the best way to make international money transfers. The fees can be quite low (and sometimes even zero), but beware of the poor exchange rates which banks often apply. We list as many banks as possible in our results, so do compare to find out if you’d be better off switching to another bank or a specialized money transfer company.
Can I trust a company I found on Monito but never heard about before?

Yes. We only list money transfer operators or banks that are fully authorized and monitored by the regulation authorities of the countries where they operate.
Is it possible to send money with Monito, or are you just a service to compare money transfer services?

Monito is not a money transfer company. We’re here to help you find the best way to send money to China.

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe.

Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

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Monito is Trusted by 15+ Millions Users across the globe.
Monito's experts spend hours researching and testing services
Affiliate commissions we may receive never impact our independence

Mid-market exchange rate

To calculate the total cost of your transfer, we compare the exchange rate every provider applies to your transactions with the latest mid-market exchange rate data that we source from XE.

Find the best ways to send money to China from the USA

Top Providers For transfers from the USA to China

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Compare 4 providers for a 300 USD transfer from the USA to China

Monito's Recommendations for Sending Money from the USA to China

Best Ways to Send Money from the USA to China

Frequently Asked Questions

About Money Transfers from the USA to China

Best Rated Providers to Send Money from the USA to China

See Monito's In-Depth Money Transfer Guides

Everyone wins, except expensive solutions

Questions you may have

Why Trust Monito?

Mid-market exchange rate