Can I send money over WeChat in the US? Is it legal? |

Can I send money over WeChat?

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What started as an IM service now earns more than $10 billion a year.

Powered by Tencent, WeChat is a social media app that’s become one of 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’s had a difficult time catching on internationally.

Still, WeChat supports social payment capabilities through its WeChat Wallet. With WeChat Wallet, gone is the universal awkwardness that comes with splitting a dinner bill or paying borrowed money to a friend more quickly. The pull for sending money over WeChat Wallet comes from its integration with WeChat’s messaging service. If you already use WeChat for messaging and you’re registered in China, South Africa or Hong Kong, using it to send money is easy.

How do I request and send money with WeChat Wallet?

1. Download the WeChat app. Unlike services like Venmo, you can’t access WeChat Wallet through a website. Instead, you must download an app to your phone or computer.

2. Create your WeChat Wallet account. Enter your phone number and subsequent verification code, complete your profile and create a password and ID for your account. WeChat asks for access to your contact list to see if you know any other WeChat users. To transfer money, your recipient must be a contact on your account.

3. Add a debit or a credit card. Enter your info and select your bank for verification through your mobile phone number.

step 3 wechat money transfer
4. Set up your transfer. Click the “Me” icon at lower right and choose “Wallet” from the list of services. Select “Transfer” and the contact you would like to transfer money to or request money from.

step 4 wechat money transfer
5. Indicate your transfer amount. Specify how much you’d like to send or receive, and add a note if you like. Click “Transfer” again and enter your password to compete your transaction.

What happens when someone sends me money?

Money you’re sent on WeChat is automatically transferred into your WeChat Wallet — meaning you don’t accept or deny payment. By reviewing your balance you can view and 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 and South Africa — can send accessible money between each other.

What this is means is that if you’re trying to send money from your wallet in China to someone in South Africa, the money will be sent, but now the recipient in South Africa will also have a Chinese wallet. Unless the user from South Africa heads to China, the money will be useless.

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 US security standards. Keep in mind that the Chinese government monitors all social media devices — including WeChat. So it’s safe from hackers, but no transaction is completely private.


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


  • Service limited to Asia. 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.
  • Requires use through app. Download the app to your phone or computer to begin transferring money.
  • 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.
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18 Responses

  1. 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

    • finder 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.


  2. 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?

    • finder 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!


  3. Default Gravatar
    ArtMarch 15, 2018

    Why cant i link my wells fargo account with wechat?

    • finder 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,

  4. 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?

    • finder 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!


  5. 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?

    • finder 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,

  6. 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.?

    • finder 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,

  7. 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?

    • finder 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.


  8. 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?

    • finder 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,

    • 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?

    • finder 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,

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