Can I send money over WeChat?

What started as an IM service now lets you pay for anything from your dry-cleaning bill to your groceries.

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WeChat’s wallet feature is an easy way to quickly split a dinner bill, pay a friend back or shop without a physical wallet. If you already use WeChat for messaging and you’re registered in China, South Africa or Hong Kong, you can also use it to send money.

What is WeChat?

WeChat — locally known as 微信 or Weixin — is a social media app that’s become one of the most widely used in China. Because it’s governed by China’s strong censorship laws and messaging interception rules, the government can potentially review your messages and other data at any time. Given this, it’s no surprise that WeChat hasn’t yet caught on internationally.

Can I use WeChat Wallet in the US?

Only if you own a bank account in China, Hong Kong, Malaysia or South Africa. It’s the only way to use WeChat Wallet in the US.

WeChat Pay launched at the start of 2018, allowing tourists, expats and international students to pay at select stores in the States. See if your local grocery store participates by looking for the WeChat logo.

How do I request and send money with WeChat Wallet?

What happens when someone sends me money?

The money you’re sent on WeChat is automatically transferred into your WeChat Wallet — meaning you don’t accept or deny payment. Review your balance to manage how much money is in your WeChat account.

Are there restrictions for sending money with WeChat?

Yes. WeChat is not legally allowed to process international money transfers. Be aware that only wallets specific to the areas supported by WeChat — China, Hong Kong, Malaysia and South Africa — can send accessible money among one another.

Keep in mind that if you’re trying to send money from your wallet in China to someone in South Africa, WeChat will send the money, but now your recipient in South Africa will also have a Chinese wallet. Unless the user from South Africa heads to China, they can’t access the money.

Is sending money over WeChat Wallet safe?

WeChat encrypts your personal information, financial details and monetary transactions. However, WeChat doesn’t provide much information on other digital safeguards.

Because WeChat Wallet is based in China, it isn’t required to comply with American security standards. The Chinese government also monitors all social media devices, including WeChat. So it’s may be safe from hackers, but your transaction isn’t private.

Pros

  • Free service. Unlike PayPal, which makes money by skimming a percentage of your transaction amount, WeChat’s developer Tencent makes money selling other products. WeChat Wallet is another way for Tencent to sell its products, but the service is free to use.

Cons

  • Limited service area. To use WeChat Wallet, your account must be registered in mainland China, South Africa or Hong Kong.
  • Potential for government prying. WeChat is governed by China’s laws that allow the government to monitor your messages and personal info.
  • No specified delivery. WeChat doesn’t advertise how long it takes for transfers to complete, which means you may need to look elsewhere for emergencies.

Are there other ways I can send money overseas?

Yes. Compare popular money transfer apps that aren’t as limited as WeChat when it comes to international money transfers.

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20 Responses

  1. Default Gravatar
    JudyMay 13, 2019

    I see that this article and questions are a little bit dated and have a question. As a private school, we rely on donations from our parents and alums. One of our current parents sent us an email from China saying that he paid “a legal service fee to a US law firm through wechat pay channel”. We have many students from China and want to make it easy for them to make a donation. Can you tell me if things have changed with Wechat and the transfer of money from China to the US is now possible through Wechat? Thank you

    • Avatarfinder Customer Care
      JeniMay 13, 2019Staff

      Hi Judy,

      Thank you for getting in touch with Finder.

      As of this writing, we haven’t received any update on sending money via WeChat from China to the US. As per this page you’re looking at, you may use WeChat to message friends worldwide, but not its send/receive money facility in the US.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    GloriaSeptember 14, 2018

    Hi am in the USA and is it possible to send money to someone in china via wechat if he has an account already with wechat and do i need to download and register Wechat also in the USA

    • Avatarfinder Customer Care
      CharisseSeptember 15, 2018Staff

      Hi Gloria,

      Thanks for reaching out to finder.

      No, it is not possible for you to send money to someone in China because WeChat is not legally allowed to process international money transfers. As of this time, WeChat supports wallets for China, Hong Kong and South Africa so sending money via WeChat is only possible between these countries.

      You can also visit WeChat website for more information about services available for their users in the US.

      If your are still looking to compare money transfer companies you can use for sending money to China, you can see your options here.

      I hope this helps.

      Cheers,
      Charisse

  3. Default Gravatar
    gulJuly 16, 2018

    Hi, as there is any money limit that we can transfer from wechat wallet for an international student. I mean legally how much we can receive and send using wechat wallet per day, if yes then how much is legal?

    • Avatarfinder Customer Care
      nikkiangcoJuly 19, 2018Staff

      Hi Gul

      Thanks for contacting finder.

      Wechat transfer limit per day is 200 RMB – 1000 RMB and only residents in China can send and receive funds through wechat.

      Hope this clarifies!

      Nikki

  4. Default Gravatar
    ArtMarch 15, 2018

    Why cant i link my wells fargo account with wechat?

    • Avatarfinder Customer Care
      RenchMarch 21, 2018Staff

      Hi Art,

      Thanks for your inquiry. Please note that we are not affiliated with WeChat or any company we feature on our site and so we can only offer you general advice.

      You can add a debit or a credit card in sending money with WeChat Wallet. You can try to enter a different card to check if it will also not accept it. Please contact WeChat support directly from their app to report the issue.

      Best regards,
      Rench

  5. Default Gravatar
    MarikitFebruary 25, 2018

    Hi, I’m a Filipino and currently working in Hong Kong and registered in WeChat wallet. If I will go home to the Philippines, can I still send money to Cebuana or Palawan?

    • Avatarfinder Customer Care
      AshMarch 20, 2018Staff

      Hi Marikit,

      Thank you for visiting finder.

      If you are going back to the Philippines, you won’t be able to use the WeChat Wallet as it is specific to users registered in China, Hong Kong and South Africa. WeChat is not legally allowed to process International Money Transfers.

      You may always inquire/ use the Money Transfer Agencies available within the Philippines if you are going to send funds locally.

      I hope this helps.

      Let us know if there is anything else that we may assist you with. Enjoy the rest of your day!

      Cheers,
      Ash

  6. Default Gravatar
    TracyJanuary 26, 2018

    Hi. I am in south africa and have a friend in the usa that would like to transfer money to my wechat account..would this work?
    Regards

    • Avatarfinder Customer Care
      JudithJanuary 26, 2018Staff

      Hi Tracy,

      Thanks for getting in touch with finder. I hope you are having a fine day.

      To use the WeChat Wallet, your friend should have a WeChat account and should be registered in mainland China, South Africa or Hong Kong only. You may check the page you’re viewing for your reference. Scroll down until you would see the topic “Are there restrictions for sending money with WeChat ?”

      I hope this helps.

      Warm regards,
      Judith

  7. Default Gravatar
    DenJanuary 10, 2018

    Hi, I’am a Filipino citizen from the Philippines. what are the things that I need to open an wechat pay(Wallet).? Can I linked my bank card like BDO,BPI or metrobank. what are the procedure of it.?

    • Avatarfinder Customer Care
      RenchJanuary 11, 2018Staff

      Hi Den,

      Thanks for your inquiry.

      Unfortunately, WeChat Wallet is not available in the Philippines. You are currently in our finder US site. As I have checked from WeChat Philippines, wallet service is not available.

      Best regards,
      Rench

  8. Default Gravatar
    JasDecember 22, 2017

    Hi. My Chinese friend is in Thailand for business trip. Can she transfer money to my WeChat wallet even if she’s outside China?

    • Avatarfinder Customer Care
      JudithDecember 22, 2017Staff

      Hi Jas,

      Thanks for your question. I hope you are having a great day.

      Your friend could send money to you anywhere in the world as long as:

      1.) Her account is registered on mainland China, South Africa or Hong Kong.
      2.) Both of you have your own WeChat accounts.
      3.) Your WeChat account is added or listed on her WeChat contact list.

      I hope this helps.

      Cheers,
      Judith

  9. Default Gravatar
    JonoNovember 7, 2017

    Good day. I am a South African citizen living and working in China. Is it possible to transfer funds via WeChat from China to South Africa?

    • Avatarfinder Customer Care
      JudithNovember 7, 2017Staff

      Hi Jono,

      I hope all is well with you today. Thanks for contacting finder, a comparison website and general information service.

      As long as your recipient is one of your contacts in your WeChat account, you may send money through it. Please be reminded too that in order for you to use the WeChat Wallet, your account must be registered in mainland China and/or South Africa.

      I hope this helps.

      Best regards,
      Judith

    • Default Gravatar
      TerryMarch 23, 2018

      A friend of mine send money to me from China wechat wallet to my account in china
      and it bounced back. Is it that if the receiver accounts are not registered to wechat wallet it can not be received?

    • Avatarfinder Customer Care
      RonMarch 26, 2018Staff

      Hello Terry,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      Note that this function only allows users to transfer money into their friend’s WeChat Wallet Balance, not directly into their bank account. Therefore, it is a must for the recipient to also have a registered Wechat wallet for them to receive the money. The recipient can pay it into their bank account once they’ve received it to their Wechat wallet account.

      Hope this helps!

      All the best,
      Ron

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