How to Send Money to China: Direct and Fee-Free* with UnionPay
If you need to send money to China, one simple option is to transfer funds directly to a China UnionPay card via Paysend.
For a limited time, with Paysend, you can send money directly to UnionPay cards in China. The process takes only a few minutes in the Paysend app.
In this guide, we explain how to send money to China using UnionPay, why direct-to-card transfers may be the preferred method over traditional bank transfers, how the limited-time fee-free offer works, and what information you need to complete a transfer.
If you’re supporting family, covering expenses, or sending money home, Paysend offers a simple and secure way to send money to China.
Limited-time offer: fee-free transfers to UnionPay cards
Paysend is currently offering a limited-time promotion for transfers fee-free to China. Paysend transfer fee-free until April 15, 2026. Other charges, including FX markups or third-party fees, may apply. This means you’ll save money on every transfer. To complete a transfer, you typically only need the recipient’s name and their UnionPay card number.
Why sending money to China can feel complicated
Traditional international bank transfers may involve several steps and additional costs. When sending money to China through banks, payments may pass through multiple intermediaries before reaching the recipient.
This may lead to transfer fees, processing delays between banks, and requests for extra information during the transaction. In some cases, senders may also have limited visibility over when the money arrives.
For people regularly supporting family or covering expenses back home, these factors can slow international money transfers.
A simple way to send money to China
Paysend offers a direct alternative to traditional bank transfers. Instead of form-filling and back visiting, you can send money directly to a China UnionPay card in China using Paysend.
Direct-to-card transfers mean the payment goes straight to the recipient’s UnionPay card, removing steps that may slow down traditional transfers.
The Paysend app also makes the process easy. After creating an account and entering the recipient’s details, you can complete an international transfer in just a few taps. Built-in payment security helps protect each transaction, giving both senders and recipients confidence when transferring money internationally.
How to send money to a UnionPay card in China
Sending money to China with Paysend is simple and can be completed in a few easy steps:
- Download the app and go to the ‘Transfers’ section in the Paysend app and select ‘Send’.
- Choose ‘New recipient details’ to add a new recipient or send to a recipient already saved.
- Add the recipient’s country
- Select how you’d like to send your transfer, choose UnionPay card.
- Enter your recipient’s details card number.
- Enter the transfer amount or check the current exchange rate before sending. You’ll also see the transfer fee removed.
- Choose your payment method — you can pay by card, bank account, digital wallets, or online banking depending on your location.
- Review your details carefully and click ‘Confirm & Send’ to complete the transfer.
Once confirmed, your transfer is processed and delivered directly to the recipient’s UnionPay card, making it a fast, secure, and easy way to send money home.
Why UnionPay cards are widely used in China
China UnionPay is a popular payment card network in China, and UnionPay cards are used for everyday spending, ATM withdrawals and payments both in stores and online.
Sending money directly to a UnionPay card allows recipients to access funds through a payment method they may already use regularly. This makes it a convenient way for families and individuals to receive international transfers.
FAQs
How long does it take to send money to China?
Transfers to UnionPay cards with Paysend are fast and in real time. Please note: While most transfers are now received within minutes, delivery times can still vary based on the recipient’s bank processing, compliance checks, or other local conditions.
Does Paysend charge fees to send money to China?
For a limited time, transfers to UnionPay cards are fee-free as part of the current promotion.
Send money to UnionPay cards with no Paysend transfer fee until April 15, 2026. Other charges, including FX markups or third-party fees, may apply. Terms and Conditions apply.
What details are needed to send money to a UnionPay card?
To complete a transfer, you need the recipient’s full name and their UnionPay card number.
Can I track my transfer to China?
Yes. The Paysend app allows you to track your transfer, so you can see when the payment has been delivered.
Send money home the simple way
Sending money to family in China doesn’t need to involve complicated bank transfers or unnecessary steps. With Paysend, you can send money directly to a China UnionPay card – fast, securely and easily, and now fee-free for a limited time.
*Fee-free transfer offer valid from 02/24/2026 through 04/15/2026. Complete an international transfer from any country supported by Paysend to China using a China UnionPay card (no minimum spend required). Multiple uses permitted. No promo code required. FX rates are determined by Paysend and may include a margin. Third-party fees may apply. TERMS AND CONDITIONS APPLY.
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