🇨🇳 中国送金
How to Send Money from Japan to China【2026 Cheapest Routes】
This guide covers sending money from Japan to China (Wise, SBI Remit, bank wires). The same services and steps also apply to most other destinations — see the full remittance comparison.
① Service Comparison (Japan → China)
- Wise: 0.5–0.7% (cheapest), mid-market rate, hours–1 day ⭐⭐⭐⭐⭐
- SBI Remit: free–¥748, proprietary rate, same day–1 day ⭐⭐⭐⭐
- Megabanks: ¥2,500–5,000 + rate spread, 2–5 business days ⭐⭐
② Sending via Wise — Key Points
You need: recipient name (in pinyin/Latin), bank name, 19-digit account number, and SWIFT code (e.g., ICBC: ICBKCNBJ). Limit ~¥1M per transfer. Fund via bank transfer or convenience store; arrival within hours to 1 business day.
③ Regulatory Notes
- China caps personal foreign-currency receipt at USD 50,000/year; family living expenses usually fit within this
- Transfers over ¥1M per transaction trigger bank reporting duties under Japan's FX law
- Direct top-ups to Alipay/WeChat Pay from Japan are restricted — bank-account transfers via Wise/SBI Remit remain the stable route
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PRRecommended Services for China Remittance (Official Sites)
Wise（ワイズ）Low fees
Send to Chinese bank accounts at the mid-market rate. Low fees for small-to-mid amounts; verify with your residence card.
Visit official site →
SBI RemitDirect to CN accounts
Supports direct deposits to Chinese bank accounts. Many payout options to fit your needs.
Visit official site →
* Fees, rates and supported countries change; check the official sites. Availability may depend on residence status/verification.