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Provider
Fees
Transfer Speed
Supported Countries
Our Score
1.9% - 3.4%
1-4 business days
  • USA
  • UK
  • Canada
  • + 170 more
9.6
Up to 0.5%
Up to 1-2 business days
  • USA
  • UK
  • Canada
  • + 160 more
9.4
None-Minimum
Economy - 3-5 days
Express - nearly instant
  • USA
  • Canada
  • Australia
  • + 170 more
Up to 5%
Up to 3 business days
  • USA
  • Australia
  • Canada
  • +200 more
9.0
None-Minimum
Usually instant
  • USA
  • Japan
  • Indonesia
  • + 160 more
Minimum-High
Up to 3 business days
  • UK
  • Germany
  • USA
  • + 200 more
8.5
Up to 3%
1-3 business days
  • USA
  • UK
  • Canada
  • + 130 more
8.4

Stop overpaying - start transferring money with Ogvio. Join the waitlist & grab early Rewards NOW! 🎁

If you've ever needed to send money online to a friend or relative in another country, you've probably wondered which method you should opt for. An international wire transfer is always the default option to fall back on, of course, but what if there's something better out there? In this guide, I'll show you the best way to send money to China - eight of them, to be precise!

Online money transfer apps aren't exactly new, but their popularity has been exploding as of late, and new platforms are cropping up all the time. It's not easy to keep up with all the new kids on the block and tell the winners from the mediocre pics - which is why I've curated this list of the top 8 apps:

  • Ogvio - The Most User-Friendly Experience With No Hidden Fees
  • OFX - Get Your Perfect Exchange Rate
  • Wise - Perks for Large Transfers
  • Remitly - 100% Fee Refunds for Delayed Transfers
  • PayPal - Combined Convenience of P2P and Traditional Transfers
  • Krak - Free P2P Transfers & Crypto Rewards
  • MoneyGram - Hefty Discounts With the Loyalty Program
  • WorldRemit - Best for Airtime Top-Ups

Once you get to know these platforms and their features, I'll show you how to send money from the USA to China using Ogvio, a soon-to-launch P2P money transfer app that will offer 100% free transfers between users and plenty of perks and rewards for early adopters.

1. Ogvio - The Most User-Friendly Experience With No Hidden Fees

Ranks #1 out of 8 Money Transfer Services

P2P (Peer-to-Peer) money transfer apps are all the rage these days, and for good reasons: their main selling point is 100% free transfers between other users. The upcoming Ogvio app promises exactly this and more. It's positioned to become the best way to send money to China overall.

Ogvio

Fees

Incremental

Free transfers between Ogvio users

Free crypto transfers and trading

Supported Countries

160+ countries and regions

Supported Currencies

40+ currencies

Transfer Speed

Nearly instant

Payment Methods

Credit/debit card, Apple Pay, Google Pay, bank transfer

Pickup Methods

In-app

Transfer Limits

None

Other Features

0% crypto trading fees

Cryptocurrency support on Base network

@username functionality

Payment request links

Currency conversion

Table: Overview of Ogvio features

Even though Ogvio markets itself primarily as a P2P app, it's much more versatile than that: you'll be able to make international transfers to over 160 countries and regions, including China. With Ogvio's 100% transparent fee model, you won't have to worry about being hit with any surprise fees: what you see is exactly what you pay, and not a cent more.

Ogvio logo

Founded In

2025

Founders

Vytautas Zabulis

Headquarters

United States
United States

Licensing

MSB
Visit site Read review

Table: Ogvio company info

Ogvio's smart contract-based architecture enables ultra-fast transactions. Your payment will only take a few seconds to go through. This platform's security infrastructure, too, is as solid as it gets: advanced 256-bit AES encryption, biometrics, and on-chain storage are designed to keep your funds safe at all times.

You can top up your account with more than 40 fiat currencies (including CNY). Ogvio offers a lot of flexibility with its currency pegging feature: you can choose to automatically convert any currency you deposit into EUR or USD as a way to stabilize the value of your funds, and quickly convert them back into whatever local currency you need before sending.

Best way to send money to China: a screenshot of Ogvio features.

Unlike most of its competitors, Ogvio isn't limited to fiat transfers. You'll be able to store and trade the most popular cryptocurrencies on the Base network with zero fees, and easily move your assets between Ogvio and the most popular crypto exchanges and wallets, such as Ledger, Binance, Kraken, and Coinbase.

Last but not least, Ogvio will include additional features like splitting the bill with friends or paying your family members' utility bills abroad. There's an upcoming debit card in the works, as well.

Want to stay in the loop? Sign up for Ogvio's waitlist here and get ready to claim exclusive early bird benefits!

👉🏻 Visit Ogvio
...or read our Ogvio review

2. OFX - Get Your Perfect Exchange Rate

Ranks #2 out of 8 Money Transfer Services

With its range of advanced features for getting the perfect currency exchange rate, OFX might be your best way to send money to China from the USA to local banks without wasting a cent on fluctuating exchange rates.

OFX

Fees

~$4.18 for transfers up to $5,000

Free transfers over $5,000

Supported Countries

170+ countries and regions

Supported Currencies

50+ currencies

Transfer Speed

1-3 business days

Payment Methods

Credit/debit card, bank transfer

Pickup Methods

Bank transfer

Transfer Limits

No transfer limits (except the ones imposed by the bank)

Other Features

Discounts for the first transfer

Limit orders

Forward contracts

Scheduled payments

Table: Overview of OFX features

One of OFX's best benefits is a discount for large transfers. If you're wondering, "How to send money online to China for free?", all you need to do is send at least 5,000 USD in one go, and your fees will be zero! Transferring lower amounts costs around 4.18 USD per transfer.

OFX logo

Founded In

1998

Founders

Matt Gilmour

Headquarters

Australia
Australia

Licensing

FinCEN, ASIC, FCA, CBI, FINTRAC
Visit site

Table: OFX company info

There's another reason you might consider OFX for large payments: there's no money transfer limit to China (or any other country, for that matter). As long as the amount of money you're trying to send doesn't exceed your or your recipient's bank transfer limits, you're good to go.

OFX supports transfers to almost any major bank in China, including HSBC, China Construction Bank Corporation, Agricultural Bank of China, and Industrial and Commercial Bank of China.

Best way to send money to China: a screenshot of OFX features.

If you often find yourself chasing the perfect currency exchange rate, OFX offers some handy tools. You can set up a Limit order that will automatically be executed when the exchange rate reaches the one you specified, or lock the exchange rate in for up to a year. There's also an option to set up scheduled payments for up to 12 months.

Last but not least, for those looking at how to send money online to China as a remittance, OFX supports paying taxes and utility bills for family members overseas.

👉🏻 Visit OFX

3. Wise - Perks for Large Transfers

Ranks #3 out of 8 Money Transfer Services

If you're looking for the best way to send money to China in large amounts, Wise might just be the right app for you. This money transfer service offers various perks to help you slash the costs of sending money abroad, such as volume-based discounts and a currency exchange rate lock-in.

Wise

Fees

Starting from 0.32% per transfer

Supported Countries

160 countries and regions

Supported Currencies

40 currencies

Transfer Speed

Instant or up to 2 working days

Payment Methods

Credit/debit card, direct debit, bank transfer, UnionPay, Alipay, Weixin,

Pickup Methods

Alipay, WeChat Pay

Transfer Limits

up to 33,000 CNY (via UnionPay)

up to 50,000 CNY (via Alipay or Weixin)

Unlimited (bank transfers; B2B only)

Other Features

Large transfer discounts

Fee calculator

Live progress tracking

48-hour exchange rate lock-in

Table: Overview of Wise features

Let's say you're making a payment from the US to China. Sending 100 USD would cost you 4.17 USD (0.32%). Wise's fee calculator provides a breakdown of the fees to let you see exactly where your money is going. In this case, it's a 0.17 USD fee for the bank transfer and the remaining 4 USD for Wise's own fees.

Wise logo

Founded In

2011

Founders

Taavet Hinrikus, Kristo Käärmann

Headquarters

United Kingdom
United Kingdom

Licensing

FCA, EMI, EEA, MSB
Visit site

Table: Wise company info

How to send money to China from the USA with lower fees, then? Simple - by transferring more money! According to Wise's discount policy, sending an equivalent of 25,000 USD or more within a month unlocks progressive discounts: the higher the amount, the less you'll pay in fees. For example, sending 30,000 USD would cost 0.30%.

Keep in mind that, in the case of sending from the US to China, you'd have to split your transfers to take advantage of the large transfers discount, since the money transfer limit to China is up to 50,000 CNY per transaction (~7,100 USD) for most payment methods.

Best way to send money to China: a screenshot of Wise features.

Large transfers aren't the only way to reap discounts, though. Creating a Wise account using a referral link will give you a 100% fee discount on your first transfer, as long as it's under 500 USD and initiated within the first 6 months of signing up.

When it comes to transferring larger amounts, the currency exchange rate matters more than ever - which is why you'll appreciate Wise's neat exchange rate lock-in feature. You can "freeze" it for up to 48 hours and postpone your transfer to a more convenient time, so you can come back to it and still enjoy a favorable conversion rate.

👉🏻 Visit Wise

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4. Remitly - 100% Fee Refunds for Delayed Transfers

Ranks #4 out of 8 Money Transfer Services

If you need to transfer money to China, a bank account will probably be your payment method of choice, one way or another - and Remitly makes sure this process goes as smoothly as possible. This money transfer service supports the most popular payment options in China and offers quite a few incentives, such as a free first transfer and a 100% fee refund on delayed transactions.

Remitly

Fees

1.99 USD per transfer

Supported Countries

170+ countries and regions

Supported Currencies

100+ currencies

Transfer Speed

Varies depending on the payment method

Payment Methods

Credit/debit card, bank transfer, Apple Pay, Weixin, UnionPay, Alipay

Pickup Methods

Bank deposit, Alipay, WeChat, Apple Pay

Transfer Limits

Up to $100,000 per transfer

Other Features

Free first transfers

Refunds for transfer delays

Live transfer tracking

Email and SMS notifications

Table: Overview of Remitly features

As with most other platforms, Remitly's international transfer fees vary depending on the countries involved. If you want to know how to send money to China from the USA, for example, Remitly's online fee calculator will tell you that this transfer would cost 1.99 USD.

Remitly logo

Founded In

2011

Founders

Matt Oppenheimer, Josh Hug, Shivaas Gulati

Headquarters

United States
United States

Licensing

FinCEN, FCA, DIFR
Visit site Read review

Table: Remitly company info

This platform could be the best way to send money to China (and receive it) for those who'd rather use local payment methods. On Remitly, you'll find support for Weixin, UnionPay, and Alipay - three of the most popular third-party payment services and digital wallets in China.

The payment speed will depend on your chosen delivery type. You can pick between Economy or Express: the first one takes up to a few business days but costs less, while the latter is pricier but arrives much faster. And if your payment gets held up, you can request a 100% refund on your fees!

Best way to send money to China: a screenshot of Remitly features.

Remitly's transfer limits are pretty generous, too, so you probably won't need to split your payments into several parts. The money transfer limit to China is 100,000 USD or equivalent. That said, keep in mind that your or your recipient's bank might have a lower transfer limit.

This platform monitors all transactions and suspicious activity and offers all the standard security measures, including 2FA and Secure Socket Layer (SSL) with 256-bit encryption. You can also track your transactions on the web or mobile app and set up email or SMS notifications.

👉🏻 Visit Remitly
...or read our Remitly review

5. PayPal - Combined Convenience of P2P and Traditional Transfers

Ranks #5 out of 8 Money Transfer Services

PayPal is easily one of the most recognizable names in the online payment services category - but did you know you can use it not only for purchases but also for international transfers? It supports over 110 countries and regions, including China, and has a very intuitive fee system.

PayPal

Fees

Free to other PayPal accounts

Free for domestic transfers (with no currency conversion)

5% for international transfers (with currency conversion)

Supported Countries

110+ countries and regions

Supported Currencies

24 currencies

Transfer Speed

Instant transfers to other PayPal accounts

Other transfers depend on the payment method

Payment Methods

Credit/debit card, bank transfer, PayPal Balance

Pickup Methods

In-app, bank transfer, mobile wallet, cash pickup (with Xoom)

Transfer Limits

Unverified account: up to $4,000 per transfer

Verified account: up to $60,000 per transfer

Other Features

Bill splitting

Money pooling

Reloading mobile phone data

Cryptocurrency support

Table: Overview of PayPal features

If the friend or relative you want to pay has a PayPal account too, it's going to be the cheapest way to send money to China from the USA, since peer-to-peer transfers on this app are completely free. The DM feature makes it easy to both send and request money from your contacts, and these transfers are usually instant.

PayPal logo

Founded In

1998

Founders

Peter Thiel, Max Levchin, Luke Nosek, Ken Howery, Yu Pan

Headquarters

United States
United States

Licensing

FinCEN, ASIC, FCA
Visit site

Table: PayPal company info

However, if someone who's not a PayPal user needs you to transfer money to China, a bank account transfer will be the only way to go - and, in this case, you'll need to pay a 5% international transfer fee for currency conversion.

PayPal's transfer limits are pretty clear-cut, too. As an unverified user, you'd be subjected to a restriction of $4,000 per transfer, but verifying your account will raise the limit to $60,000. And since the verification process includes adding and confirming your bank account, you'll have to do this anyway when opting for an international transfer.

Best way to send money to China: a screenshot of PayPal features.

Aside from the usual payment methods, such as a credit or debit card or a bank transfer, you can pay directly with your PayPal balance. If, for instance, you're wondering how to send money online to China but have your recipient pick it up in cash instead, check out Xoom, an additional PayPal service that expands its parent company's range of delivery options.

While international transfers work just fine even if your recipients don't have a PayPal account, there are other benefits to being inside the ecosystem. PayPal offers a number of P2P features like splitting the bill, pooling money with your friends for gifts, or paying your family's bills abroad.

👉🏻 Visit PayPal

6. Krak - Free P2P Transfers & Crypto Rewards

Ranks #6 out of 8 Money Transfer Services

Sometimes, the cheapest way to send money to China from the USA is to bypass the hassle of currency conversion and opt for crypto transfers instead. If that's your preferred method, Krak offers just what you need. Founded by Kraken, one of the most popular crypto exchanges worldwide, this P2P app offers both fiat and crypto transfers in 160+ countries.

Krak

Fees

Free

Supported Countries

160+ countries and regions

Supported Currencies

300+ currencies (fiat and crypto)

Transfer Speed

Instant

Payment Methods

Credit/debit card, bank transfer, crypto transfer

Pickup Methods

In-app

Transfer Limits

$15,000 across both fiat and crypto transfers per week

Other Features

Crypto rewards

Payment request links

Table: Overview of Krak App features

Krak's premise is simple and to the point: it lets users quickly pay each other through DM messages with no hassle of long waiting times or extra fees. It supports over 300 currencies in total, including the most popular cryptocurrencies like BTC and ETH.

Krak logo

Founded In

2025

Founders

Arjun Sethi, Jesse Powell

Headquarters

United States
United States

Licensing

MiCA, FCA, FinCEN
Visit site Read review

Table: Krak company info

You can top up your account with a credit or debit card or a bank transfer, or deposit cryptocurrencies from crypto wallets. Krak's weekly transfer $15,000 (for both fiat and crypto combined) is pretty generous and will probably be more than enough for most casual senders.

The DM system is arguably the most user-friendly way to handle payments - no need to input the recipient's details every time you want to send them money! In addition, Krak lets you generate a payment request link for extra convenience.

Best way to send money to China: a screenshot of Krak features.

Just like its parent company, Krak safeguards users' funds with a Proof-of-Reserves, alongside advanced encryption and multisignature authentication, so your money and crypto will be in safe hands.

Finally, in line with many other crypto apps out there, Krak comes with an attractive rewards system as a motivational boost for users. Every time you make a payment, you get a chance to win crypto rewards. You might get surprise stablecoins, meme coins, or even the most popular assets like SOL or BNB.

👉🏻 Visit Krak
...or read our Krak review

7. MoneyGram - Hefty Discounts With the Loyalty Program

Ranks #7 out of 8 Money Transfer Services

MoneyGram is an international money transfer app that offers a free first transfer and competitive fees for all your other payments. Its loyalty program discounts make it the cheapest way to send money to China from the USA (or any other 200+ countries or regions) as a regular.

MoneyGram

Fees

Starting from $0.6 per transfer

Supported Countries

200+ countries and regions

Supported Currencies

135+ currencies

Transfer Speed

From a few minutes up to 2 business days

Payment Methods

Credit/debit card, Apple Pay, cash pick-up

Pickup Methods

Bank transfer, cash pickup

Transfer Limits

Up to $10,000 per month

Other Features

Cryptocurrency support

Rewards program

Mobile top-ups

Table: Overview of MoneyGram features

Figuring out how much it costs to send money to China from the US or any other available country is quick and easy with MoneyGram's online fee calculator. In this case, you'll pay around 0.6 USD per transfer, but the good news is that your first transfer will be completely free!

MoneyGram logo

Founded In

1998

Founders

Merged company

Headquarters

United States
United States

Licensing

FinCEN, MTLs, NYDFS, FCA, BE
Visit site

Table: MoneyGram company info

What's more, signing up for the loyalty program comes with some hefty discounts. You'll get 20% off your second transfer's fees and a whopping 40% discount on the fees of every fifth transfer, along with other member-only offers and promotions.

MoneyGram offers a variety of ways to pay for your transfer or pick it up, but the selection ultimately depends on your chosen destination country. When it comes to China, for example, you can only pay in cash, but your recipient will be able to get it delivered in cash, to their bank account, or a mobile wallet.

Best way to send money to China: a screenshot of MoneyGram features.

MoneyGram has 10 pickup locations in Beijing, Shanghai, and Lanzhou, so this option might be a bit of a hit or miss, depending on where your recipient lives.

Aside from regular payments, MoneyGram also supports utility bill payments for family members abroad or topping up their mobile phone data across 600+ supported mobile networks worldwide.

👉🏻 Visit MoneyGram

8. WorldRemit - Best for Airtime Top-Ups

Ranks #8 out of 8 Money Transfer Services

WorldRemit is a no-nonsense money transfer platform that supports international transfers to over 130 countries and regions (including China) with reasonable fees. You won't find a lot of additional features here, but the app does exactly what it says on the tin.

WorldRemit

Fees

Free (from Australia or the UK)

0.99-1.99 USD from other countries

Supported Countries

130+ countries and regions

Supported Currencies

70+ currencies

Transfer Speed

From a few minutes to 2 business days

Payment Methods

Credit/debit card, bank transfer

Pickup Methods

Debit card deposit, bank transfer, airtime top-up

Transfer Limits

Up to $30,000 per transfer

Other Features

Airtime top-up

Table: Overview of WorldRemit features

This platform's transfer fees differ depending on the sender's country and their destination, but in most cases, you can expect to pay between 0.99 USD and 1.99 USD for a single transfer.

WorldRemit logo

Founded In

2010

Founders

Ismail Ahmed, Catherine Wines, Richard Igoe

Headquarters

United Kingdom
United Kingdom

Licensing

FCA, AMF, FinCEN
Visit site

Table: WorldRemit company info

The good news is that transfers from some countries are free! For instance, if you look up how to send money from the USA to China using WorldRemit's online fees calculator, you'll find out you won't be charged anything for the transfer.

While WorldRemit offers quite an extensive range of pickup methods in general, the number of choices varies by country, and unfortunately, the only option for US-to-China transfers is airtime top-ups - so this app might not be the best choice for regular transfers.

Best way to send money to China: a screenshot of WorldRemit features.

However, topping up mobile phone data with WorldRemit is instant and doesn't involve any fees, and you can pay for it with a credit or debit card, a bank transfer, Apple Pay, or Google Pay. The minimum transfer limit is 1 USD.

WorldRemit's app lets users track all of their current transfers and check their transaction history or set up notifications to get alerted when the payment comes through.

👉🏻 Visit WorldRemit

How to Choose the Best App to Send Money to China

With so many top contenders out there, choosing the best way to send money to China can take a while. Here's a cheatsheet of all the factors you should take into account when selecting your pick:

1

P2P VS Bank or Card Transfers. If the person you're sending money to already uses some P2P money transfer app or is willing to sign up for one, you'll get the benefit of free and instant transfers.

2

Payment Methods. Would you rather fund your transfer with your credit or debit card, a bank transfer, Apple Pay, or something else? Consider what options the app in question supports.

3

Pickup Methods. Similarly, ask your recipient how they'd prefer to pick up their money and make sure the app supports this method.

4

Options for Different Transfer Purposes. Are you transferring money as a gift, a bill payment, pooling money together, or something else? Check if the app you're considering has the features that suit different transfer purposes.

Best way to send money to China: two people exchanging a gift with dollar bills under the bow.

5

Discounts & Rewards. If you're planning on becoming a regular user, you could save a lot of money if the app you chose offered discounts on large or frequent transfers, or had any kind of loyalty rewards program.

5

6

Advanced Features. Consider whether you'll need features like transaction scheduling or locking in the exchange rate.

7

Security. Check if the app you're looking into has all the standard security measures, such as identify verification, 2FA, advanced encryption, and transfer limits.

8

Customer Support. Even the most reliable apps aren't 100% issue-free. Make sure the app has solid customer support in case your transfer goes missing.

Hopefully, this was enough to nudge you in the right direction! Run this checklist through any money transfer service you're considering (whether or not it's included in my list) and see how it stacks up against other alternatives.

What Should You Know About Sending Money to China? Key Considerations

Choosing the perfect app for the job is just the first step. If you don't have much experience with sending money abroad (or to China, specifically), let me give you a few more tips before you start.

Best way to send money to China: wooden cubes spelling out the word FEES.

First of all, be aware of all the costs of your transfer. Hidden fees can really creep up on you and make you waste as much as $150 per year.[1] The good news is that most money transfer platforms come with comprehensive fee calculators, but you'll often have to click on the fee section to get the full breakdown on what they entail.

Currency exchange rate is another factor that can throw off your calculations and make you spend more than you'd intended. Even relatively stable currencies can still fluctuate during periods of economic upheaval, global pandemics,[2] or other unforeseen events. That's where the exchange rate lock-in feature can really come in handy.

China doesn't have a gift tax, so you won't need to adjust your payment to make up for it.

If you picked an international transfer as your best way to send money to China from the USA (as opposed to P2P transfers), here's a quick primer on how SWIFT transfers work. You're going to need your recipient's full name, IBAN (account number), and SWIFT code (their bank's international identifier).

Best way to send money to China: a stack of credit or debit cards on top of a keyboard.

Keep in mind that, even if your money transfer app promises quick transactions, if it involves a credit/debit card or a bank transfer, you might run into delays. If that happens, don't panic! There are plenty of common reasons for your payment to get held up:

1

Missed Cut-Off Times. If you made a payment too late in the day, your transaction would only be processed the next business day at the earliest.

2

Bank Holidays. As of writing this, China has seven official public holidays. Some of their dates differ every year, so make sure to check before making your transaction.

3

Intermediary Bank Routing. If it’s an international wire transfer, your transaction might be held up in any of the intermediary banks.

Best way to send money to China: ICBC bank.

4

Network or System Outages. In rare cases, you might have been unlucky enough to make a transaction during a maintenance outage or downtime because of a cyber attack.

5

Compliance Reviews. Large or unusual payments are more likely to get flagged by the bank’s AML compliance checks.

If you’ve accounted for all of the above, but your transaction still hasn’t arrived in more than 4-5 business days, that’s when it’s time to take action and contact your bank’s customer support. Most banks have a ticket request system where you can select your issue from a drop-down list and describe your problem in detail.

Make sure to include all the relevant details, such as the date and time you sent the transaction, the transaction’s reference ID, the amount and currency, and the confirmation screenshot.

How to Send Money to China from the USA With Ogvio: A Step-by-Step Guide

Ogvio might be the best way to send money to China if you're looking for something simple, instant, and - most importantly - free.

The best part of being an early bird is the rewards! Sign up for Ogvio's waitlist now and complete this BitDegree Mission to enter a Lucky Draw for a share of the 100 USDC prize pool.

Let me show you how to send money to China from the USA with this app:

STEP 1:

Go to the Ogvio website, create an account, and choose your @Tag.

Best way to send money to China: sign up for Ogvio.

STEP 2:

Top up your account. You can simply deposit USD, and Ogvio will automatically convert it into whatever currency you need upon transfer, including CNY.

Best way to send money to China: deposit money into Ogvio.

STEP 3:

Find your recipient by their @Tag and add them to your contact list.

Best way to send money to China: find your recipient on Ogvio.

STEP 4:

Go to the DM window, type in the amount of money you want to send, and confirm it.

Best way to send money to China: send money on Ogvio.

All done! Your transfer should come through instantly and will show up on your DM history with the recipient.

Conclusions

The best way to send money to China is one that allows you to do it with as little friction as possible - and, of course, with no sneaky hidden fees! In this guide, I've curated the top choices that serve just about any use case you could think of, from bill-splitting to paying your family's bills abroad.

Still, when it comes to choosing the perfect platform, you'll have to do your own research, as well. Take a look at your priorities and use my checklist to find the app that does exactly what you need with no compromises on your part.

Ogvio is just around the corner as your next best way to transfer money to China! Sign up for the waitlist today, complete this BitDegree Mission, and enter a Lucky Draw for a share of the 100 USDC prize pool.


Scientific References

1. Celestin M., Vanitha N.: 'The hidden fees: How to avoid losing money in your financial transactions';

2. Lia C., Su Z., Yaqoob T., Sajid Y.: 'COVID-19 and currency market: a comparative analysis of exchange rate movement in China and USA during pandemic'.

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About Article's Experts & Analysts

By Aggie P.

Web3 Content Researcher

Aggie is a Web3 Content Researcher who’s always got her finger on the industry’s pulse. Having lived and studied in 5 different countries around the world, she’s developed a deep understanding of how different cultures perceive and interact with t...
Aggie P. Web3 Content Researcher
Aggie is a Web3 Content Researcher who’s always got her finger on the industry’s pulse. Having lived and studied in 5 different countries around the world, she’s developed a deep understanding of how different cultures perceive and interact with the Web3 space.
Aggie has an academic degree in Scandinavian Languages and Cultures, and a professional background in educational project management and information organization. Her skills, combined with meticulous attention to detail in her research processes, allow Aggie to employ a nuanced approach to her analysis of Web3 concepts and technologies.
During her free time, Aggie enjoys reading books, writing short stories, and working out.

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FAQ

What is the best way to transfer money to China?

Ogvio is the best way to transfer money to China if you're looking for a simple and user-friendly P2P app. It offers completely free transfers to other users, as well as domestic and international transfers without any hidden fees. Ogvio's DM functionality makes it easy to both send and request money in just a few clicks.

What are the best P2P money transfer apps for sending money to China?

Ogvio, Krak, and PayPal all support P2P functionality that lets users send each other money instantly and for free without having to enter their bank account details. Ogvio and Krak allow cryptocurrency transfers alongside fiat, while PayPal offers additional features, such as bill splitting, debit cards, and buyer protection insurance.

What are the cheapest ways to send money to China?

P2P apps like Ogvio and Krak allow sending money to other users completely for free. Other than that, a lot of money transfer services, such as Remitly and MoneyGram, offer the first transfer for free. Some platforms feature other various discounts, promotions, or free transfers to or from certain countries.

How to choose the best app for sending money to China?

When trying to choose the best money transfer service for sending money to China, consider the availability of payment and pickup methods, currency exchange rate, security, customer support, and other features. For example, some apps like Ogvio support sending cryptocurrencies, while others include advance features, such as transaction scheduling or exchange rate lock-in.

What else should you know about sending money to China?

After learning how to send money to China from USA, make sure you didn't miss any hidden fees and don't forget to take the currency exchange rate into account when calculating how much you'll have to send. In addition, be aware of common reasons for bank transfer delays, such as AML compliance reviews.

How to send money to China with Ogvio?

First, create an Ogvio account and choose your username. Once you're fully on board, deposit some USD into your account, add your recipient to your contacts list, and go to their DM window. From there, you can simply send them money or ask them to send you a request link.

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