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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 and platforms:
- Wise - Perks for Large Transfers
- OFX - Get Your Perfect Exchange Rate
- MoneyGram - Hefty Discounts With the Loyalty Program
- WorldRemit - Best for Airtime Top-Ups
- Remitly - 100% Fee Refunds for Delayed Transfers
- PayPal - Combined Convenience of P2P and Traditional Transfers
- Krak - Free P2P Transfers & Crypto Rewards
Once you get to know these platforms and their features, I'll show you how to send money from the USA to China using Wise.
1. Wise - Perks for Large Transfers
Ranks #1 out of 7 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
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.
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| A trusted digital remittance service with upfront fees and great rates, but limited options for cash delivery. | |
| Visit site Read review |
Table: Wise features
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.
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.
2. OFX - Get Your Perfect Exchange Rate
Ranks #2 out of 7 Money Transfer Services
- + Handles multi-currency accounts for global businesses
- + Schedule large transfer seamlessly
- + Integrates with Xero and QuickBooks
- + Issue unlimited virtual cards with custom limits
- - Primarily designed for business clients
- - Standard plan limited to two free users only
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.
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| Plan + per-transaction | |
| A bank-to-bank transfer service focused on competitive exchange rates and lower fees. | |
| Visit site |
Table: OFX features
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.
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.
3. MoneyGram - Hefty Discounts With the Loyalty Program
Ranks #3 out of 7 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
MoneyGram is an international money transfer app that offers a free first transfer from certain countries 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 as of writing this, MoneyGram runs a promotional campaign offering a 100% fee discount for the first transfer from certain countries, including the US.
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| Per-transaction | |
| A mainstream remittance option with a huge global cash-pickup footprint. | |
| Visit site |
Table: MoneyGram features
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.
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.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. WorldRemit - Best for Airtime Top-Ups
Ranks #4 out of 7 Money Transfer Services
- + Fast money transfers
- + Wide international coverage
- + Multiple payout methods
- + Licensed in multiple countries
- - Limited overseas bank support
- - Fluctuating transfer costs
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 | 0.99-1.99 USD |
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.
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| An easy-to-use digital transfer app for small to medium-sized remittances. | |
| Visit site Read review |
Table: WorldRemit features
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.
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.
5. Remitly - 100% Fee Refunds for Delayed Transfers
Ranks #5 out of 7 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
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 discounts for the 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 | 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.
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| Per-transaction | |
| A beginner-friendly cross-border remittance solution. | |
| Visit site Read review |
Table: Remitly features
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.
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.
6. PayPal - Combined Convenience of P2P and Traditional Transfers
Ranks #6 out of 7 Money Transfer Services
- + Easy to use
- + Simple payment process
- + Strong security
- + Wide coverage
- + Access to crypto
- - High fees
- - Not available everywhere
- - Customer support complaints
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.
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| A trusted way to send money worldwide, though its fees are higher than newer payment apps. | |
| Visit site Read review |
Table: PayPal features
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.
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.
7. Krak - Free P2P Transfers & Crypto Rewards
Ranks #7 out of 7 Money Transfer Services
- + Smooth payment flow
- + Quick fiat & crypto transfers
- + Reward earning functionality
- + Strong security features
- + Responsive customer support
- - Lacks some features for advanced traders
- - Krakback and similar rewards may be restricted in certain regions
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.
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| An all-in-one money app for everyday transactions. | |
| Visit site Read review |
Table: Krak features
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.
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.
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 possibly 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. Many people in China prefer local payment methods, such as Alipay and UnionPay.
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.
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.
How to Send Money to China From Europe
Transferring money to China from a European bank account is pretty straightforward if you're using an international money transfer service like Wise. This platform supports a quick and easy conversion from EUR to CNY and even lets you freeze the exchange rate for up to 48 hours. Sending 100 EUR to China as a SWIFT transfer will cost you 3.99 EUR.
So, here's how to make a transfer to China from Europe:
![Best way to send money to China: click [Add money].](https://assets.bitdegree.org/images/best-way-to-send-money-to-china-click-add-money.jpg "Best way to send money to China: click [Add money].")
![Best way to send money to China: click [Send].](https://assets.bitdegree.org/images/best-way-to-send-money-to-china-click-send-money.jpg "Best way to send money to China: click [Send].")
![Best way to send money to China: click [Someone else].](https://assets.bitdegree.org/images/best-way-to-send-money-to-china-someone-else.jpg "Best way to send money to China: click [Someone else].")
![Best way to send money to China: click [Outside Europe] and fill in the transfer details.](https://assets.bitdegree.org/images/best-way-to-send-money-to-china-outside-europe.jpg "Best way to send money to China: click [Outside Europe] and fill in the transfer details.")
That's it! You can see your transfer history by clicking [Payments] on the left sidebar menu.
How to Send Money to China From UK
The process of transferring CNY from the United Kingdom looks slightly different, but the gist is still the same. In this case, I recommend making a SWIFT transfer: it will likely arrive within 2 business days and cost you around 3.28 GBP for a transfer of 100 GBP.
As for delivery methods, you can pick an E-wallet or a UnionPay card. The former has a pretty low transfer limit of only 5,000 CNY, while the latter is more suitable for larger transfers (you can send up to 33,000 CNY).
Follow these steps:
All done! If you want to get alerted immediately when the transfer goes through, click on your name in the top-right corner, go to [Notifications], and customize your settings to receive email or push alerts.
How to Send Money to China From USA
Finally, let's see how a Wise transfer to China works when sending from the United States. An international wire transfer will take up to 5 days (according to Wise's estimations) and cost around $10.20 for a transfer size of 100 USD. That's why, in this case, I'd recommend picking a credit or debit card payment instead; the rates will be similar, but it will only take about half an hour to arrive.
That said, because the steps are pretty much identical to both guides above, I have only included steps from the spot where you need to add a recipient:
Here you go! If you make another transfer to the same recipient in the future, their account details will already be on your list.
Cheapest Ways to Send Money to China
Additional features like scheduled payments or a generous set of payment and delivery options are all well and good, but what if you just need some basic transfer functionality with the lowest possible fees? Without beating around the bush, here are your top choices for the most cost-effective way to send money to China:
- MoneyGram takes the lead with transfers to China priced as low as 0.6 USD (or equivalent) per payment.
- WorldRemit has relatively competitive money transfer fees to China, ranging between 0.99 USD and 1.99 USD, depending on your payment method.
- Remitly's fees start around 1.99 USD for international payments to China. This platform also offers a 100% fee refund for delayed transfers.
However, bear in mind that money transfer fees tend to fluctuate from day to day, thanks to factors like currency exchange rates. Always double-check your transfer details before going ahead with your payment to see if your fees didn't turn out higher than expected.
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), here are a few more tips before you start.
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.
For instance, as of November 18, 2025, the CNY/USD exchange rate has fluctuated by 0.21% in the last 30 days and as much as 0.90% within the last 90 days - a seemingly small variation that could still add up if you're making a large transfer. 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.
Another piece of advice: prioritize local pickup methods if they're included in your chosen platform. The top three most popular payment methods in China are Alipay, WeChat Pay, and UnionPay. WeChat Pay, in particular, is great for instant P2P transfers between friends.
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 to China work. Unlike many other countries, China doesn't use IBAN. Instead, you'll need the following details:
- Your recipient's full name;
- Bank account number (16-19 digits, depending on the bank);
- The recipient's bank name (written in full, not in the short form);
- Their bank's branch name or location;
- SWIFT code;
- The recipient's mobile phone number (if sending to WeChat or Alipay).
Some banks will also require your recipient's national ID number.
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.
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.
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.
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Other Crypto Services in This Category
Here are other crypto services related to the category but not as favored by BitDegree readers yet. In my personal opinion, today there are much more optimal crypto services in the list with the higher rating that I'd recommend for the same price range or less.
Ogvio - The Most User-Friendly Experience With No Hidden Fees
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
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.
Ogvio | |
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Fees | Free transfers between Ogvio users Transfer fees vary by country |
Supported Countries | 160+ countries and regions |
Supported Currencies | 40+ currencies |
Transfer Speed | Nearly instant |
Payment Methods | Credit/debit card, bank transfer, crypto wallet |
Pickup Methods | In-app |
Transfer Limits | Country-dependent |
Other Features | Cryptocurrency support on Base network @Tag functionality Payment request links USD/EUR-denominated account |
Table: Overview of Ogvio features
Even though Ogvio markets itself primarily as a P2P app, it's bound to be much more versatile than that: you'll be able to make international transfers to over 160 countries and regions. 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.
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| Per-transaction | |
| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | |
| Visit site Read review |
Table: Ogvio features
Ogvio's smart contract-based architecture will enable 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.
Ogvio will support 40 fiat currencies and offer a handy currency pegging feature: any local currency you deposit will be automatically converted to EUR or USD (your choice) as a way to stabilize the value of your funds. And when you make a payment, Ogvio will convert it back to whatever currency you need.
Unlike most of its competitors, Ogvio won't be limited to just fiat transfers. You'll be able to store and trade the most popular cryptocurrencies on the Base network with competitive 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.
Unfortunately, Ogvio isn't available in China yet (as of November 2025). But it might be in the future, so sign up on the waitlist to get all the updates! Plus, you'll be eligible for exclusive early bird benefits upon launch.
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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