Send money to Macao

Here's how to send a quick, affordable and secure money transfer to Macao.


Fact checked

The small country within China has seen booming Real GDP growth in the past few years and has had some of the highest historical Per-capita GDP cases coming at US$92,504.

Macao has a high degree of autonomy, and is a small open economy confined to a small area. The economy is reliant on the services industry which is dominated by gaming and tourism. Given that Macao is the only place in China where gambling is legal, gambling and tourism are the largest sectors of Macao’s economy. These sectors account for 85% of the country’s GDP and over 70% of employment.

Compare services that send money to Macau from the UK

Table: sorted by a combination of service offering and the amount your recipient will receive

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1 Same day GBP 15.90 9.823 MOP
Send money online to friends and family around the world with Western Union. Show details
GBP 1 Within an hour GBP 65.00 9.817 MOP
Fast cash pick-ups to more than 350,000 agent locations worldwide. Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How to compare money transfer companies when you need to send money internationally

Josh went to Macao on a trip with some friends. Now, at the young age of 25, he has been lucky on the tables and set up his own business in Macao, allowing him to send some money back to the UK to give his parents a more comfortable lifestyle. He chooses to send his parents £700 a month, as this will allow them to lead the life they want to lead.

Money transfer company AMoney transfer company B
Exchange rate1 GBP = 9.7118 MOP1 GBP = 9.4145 MOP
Transfer fee12 GBPn/a as it varies per transaction but more competitive than a bank
Amount of MOP received in Macau for £7006,798.26 MOP6,590.15 MOP
Transfer timeMinutes2 working days
Transfer optionsPhone, Online, AgentOnline Account
Difference in MOP208.11 MOP

What variables can Josh use to do an effective comparison study on sending money to Macao?

  • Exchange rates. Before settling on an exchange rate, make sure you are benefitting from an exchange rate that is real time and based on the option you will go forth with. Many companies display an interbank rate and not the rate they will quote themselves.
  • Pickup methods. Pickup methods can either be a cash pickup at an agent location or home address specified, or the transfer can be received in a bank account.
  • Fees. Fees can generally speaking be fairly simple to compare, but as in this case with Macao in China, because of the location, it becomes more difficult with some companies. Do research on previous case studies where individuals made use of a service that doesn’t state its cost and whether it was a deal-breaker or complimented the overall experience.
  • Bank to bank benefits. Both HSBC and Standard Chartered Bank operate in Macao, so look out for any benefits your account may give you to transfer money to and from Macao. It is advised that you visit a branch to confirm whether you qualify for this feature.
  • Turnaround time. The expected turnaround time for using a money transfer service or your local bank is usually in the range of a couple of minutes or two to four working days.
  • Transfer methods. If you are planning on doing regular payments, creating an online account with a money transfer company is a wise move. The available services offer online, phone and branch methods to initiate the payment.
  • Transfer options. The transfer options include once-off payments, regular payments and forwarded contracts.
  • Minimum/maximum transfer amounts. Minimum transfer amounts range from 0 to 10 GBP and maximums up to and over 10,000 GBP. When comparing, look out for limits on how much per day or per week you can transfer.
  • Customer service. The available options of companies to choose from when sending money to Macau might be limited, but customer support is not! These companies have great customer support and can mostly help you on phone, email, agent / branch and even chat! This is one of the biggest decision-making factors when it comes to covering your risk.

How can you send and receive money between Macao, China and the UK?

  • Money transfer service
    Due to the geographical situation that Macao SAR finds itself in, most companies focus on China and surrounding countries more than Macao SAR. This means there are a more limited amount of companies that can send money there. MoneyGram and Western Union send money to Macao SAR, but only Western Union sends it in the supported MOP.
    Another service that is not listed on the site, is Transfermate, which requires online registration. Visit any of the MoneyGram and Western Union locations listed below in the article to send money to the UK from Macao SAR.
  • Banks
    Citibank supports the MOP currency and will allow you to send money to Macao SAR, but will require you to visit a local branch to determine costs and rates. HSBC operate in the Hong Kong area and have branches in Macau and visiting a branch could reveal more on whether a money transfer is possible.

What you need to know about emergency cash transfers to Macao SAR

Emergency cash transfers can be sent to Macao SAR using the same services as listed above. MoneyGram and Western Union are dependable companies that transfer money within a couple of minutes ready for a cash pickup at a specified location.

Tips for picking up cash in Macau

The Macao SAR are in China is classified as a relatively safe area. But, there are yearly reports of incidents of petty crimes on tourists and people carrying valuable goods. This means that when you do your cash pickup at an agent or money withdrawal from an ATM , to do it in a controlled environment. These will include shopping centres and banks.

What steps will you need to follow to send money to Macao SAR?

Service Steps
To send money to a bank account in Macao SAR, you will need to provide the following beneficiary details:
  1. The bank name in Macao SAR, China
  2. The basic beneficiary details
  3. The account number of the beneficiary’s bank
  4. SWIFT / BIC details
  5. The right amount and currency
When you are sending a cash pick up money to a recipient:
  1. The address of the recipient or the address of the agent for pickup
  2. Basic details of the recipient
  3. The correct amount and currency that you are sending in
What will you need when you are at a Moneygram or Western Union branch in Macao SAR to pick up the cash?
  1. Your photo ID
  2. The tracking or reference number (called an MTCN by Western Union)
  3. Copy of the transaction receipt as an added safety measure

Background information about Macau

Macao SAR, China, is also known as Macau. The SAR stands for ‘Special Administrative Region’ and functions on many of its own government functions in China. It is one of the world’s richest cities (or countries) and has some of the highest spent per capita in the world.

This is in huge parts due to its Las Vegas like culture and sits as one of the gambling capitals in the world.

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