Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Send money to China securely

Find convenient and fast ways to transfer money from India to your family back in China.

Expatriates from China who have chosen India as their new home often need a quick and secure way to send money to family members who live in China. This could be to help out in an emergency, to take care of monthly bills or for medical care of a close relative.

If you are a Chinese national, having a valid visa to work in India along with a valid residential permit to live in India, you need to be aware of Indian regulations governing the opening of a bank account in India. You also must know the relevant Indian regulations when it comes to remitting foreign exchange outside India.

Comparison of services that allow transfers to China

Name Product Minimum Transfer Transfer Time Transfer Fee
INR 4,000
1-2 days
Exclusive: Use code FINDER10 to receive US$10 off your first transaction.
InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers.

Compare up to 4 providers

How do I compare companies when transferring money to China?

Be sure to have a close look at the following while doing your own research when you are comparing international money transfers from India to China:

  • The exchange rate. This is important since it can cost you a lot of money in the long run. Some transfer services will offer a competitive exchange rate but offset this with high fees; others can offer less competitive rates but low fees. Be sure to factor this into your comparison.
  • The amount of fees charged. You need to examine the fees closely to make sure that a good exchange rate is not being offset by high fees.
  • Pickup options. This is important because you don’t want to put your recipient in a position where they have to travel far to get the money that you send.
  • Turnaround time. While it may not be important for regular payments, having the option of an instant transaction during an emergency can be helpful.
  • Transfer amounts. Many companies and banks have a cap on the amount of money sent per transaction. If your intent is to send large amounts of money, this will be a feature you will want to explore in depth. Also, many companies will have minimum transfer amounts.

What methods can I use to send money to China?

Both banks and money transfer service providers are available to send money to China from India. Banks will typically only allow bank-to-bank transfers, while overseas money transfer companies provide additional options. If you are in need of a place to start comparing the features of these institutions, these are some of the providers you could consider:

  • Money transfer companies. A range of money transfer companies will allow you to send money to China. These companies can offer a range of extra services, such as regular transfers, forward contracts and market orders. Some providers in India who offer international money transfer services are FxKart, BuyForexOnline, InstaReM, UAEExchangeIndia, ExTravelMoney, Thomas Cook India and BookMyForex.
  • Banks. Most larger Indian banks allow you to send money to China, but these transactions can be more expensive than sending money through a specialist money transfer company. Some banks have products dedicated to sending money overseas.

Emergency cash transfers in China

If you are visiting China and find yourself in need of money, there are a few options available that can help:

  • Forex card. Banks such as HDFC and ICICI offer prepaid forex travel cards that can be loaded with multiple currencies. These can help you access cash fast if you lose your wallet or your money is stolen.
  • Travel insurance. You should not travel outside of India without travel insurance. Under certain circumstances, they will replace your cash if you lose your purse or are robbed.

Documentation you’ll need to process your transfer

If you have decided that a bank or money transfer service is your best option for sending money from India to China, you will need to set up an account. If you are going to take advantage of a money transfer provider, make sure that you know the following information about your primary beneficiary:

  • Your recipient’s name. When picking up cash, your recipient is going to need to show photo ID. The name on this ID must match the name on the transfer order exactly.
  • Your recipient’s bank account information. If you are choosing to send the money to a bank account, make sure that you know the institution name, the bank account number and the bank routing number.
  • Your recipient’s address. You may be asked to provide an address for the recipient.
  • Your recipient’s contact details. In addition to the address, your money transfer service or bank might ask for the recipient’s phone number.

On a cash pickup transaction, you will be given paperwork that contains a personalised tracking number. You will need to pass this along to the beneficiary in order for them to receive the money.

Choosing the right overseas transfer company is a big decision considering the amount of money it could potentially cost you. Examine all of your options carefully before making this very important decision.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site