Receive money in China, the way you want.

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Choose how you want to receive money in China

You can receive money in minutes1 and in the way that is convenient to you:

  • Cash pickup

    Collect your cash in person by visiting any of our 27,000+ agent locations2.

    Find a location near you
  • spot_send-online
    Online banking

    Residents of China can pull the money into their accounts via the online platforms of our partner banks and their digital partners.

    Learn more
  • Spot-_-mobile-for-US-w304
    Mobile Wallet

    Senders can send money directly into their Chinese receiver’s bank account linked to Weixin Pay/Alipay, or Weixin/Alipay wallet balance.

  • Bank account

    Senders can send directly into their receiver’s bank account3.

    Check supported banks
Sit back and relax.
Your money is on its way.
Track your transfer

How do I receive money in China?

Simply choose your preferred method and follow our step-by-step guide:

Receive money at our agent location

With 27,000+ agent locations2 in China, you can always find one near you.

  1. Visit a Western Union partner bank location.
  2. Provide your sender’s details. This includes your sender’s name, the amount sent, and the Money Transfer Control Number (MTCN).
  3. Show your identity proof. Make sure to bring a valid government-issued photo ID.
  4. Receive the money. The money will be available to you after your details have been verified.
Receive money through our partner banks’ online/mobile banking

Residents of China can receive money quickly and conveniently through our partner banks’ online channels. You simply need a debit card and an online/mobile banking service with our partner banks. Learn how:

  1. Log in to the bank’s online or mobile banking.
  2. Fill out your money transfer details, including your sender’s complete information and the 10-digit tracking number (MTCN).
  3. Choose your receiving account and you can deposit the money directly into your debit card.
Receive money through the Alipay app

Residents of China holding a Chinese Second Generation National Identity Card can pull the money easily and reliably through the Alipay app. Learn how:

  1. Open the Alipay app and type ‘International money transfers’ in the search box. Then select ‘Receive money’ and choose ‘Receive with MTCN’.
  2. Select ‘Western Union’ from the list of providers, enter the 10-digit tracking number (MTCN), and choose the preferred currency.
  3. If you’re a first-time user, review and agree to the payout service of the money transfer company with Bank of China and its exchange settlement service terms and conditions, then submit your personal information. You will also have to verify your identity by face scan (which will only be required once).
  4. Confirm the receiving amount in RMB with the real-time exchange rate applied.
  5. Select your debit card, purpose of remittance, and occupation.
  6. Agree to the terms and conditions to continue.
  7. Confirm all the money transfer details you provided. The money will be deposited to your bank card within 2 hours.
Receive money through the Weixin app

Residents of China can pull the funds into the bank card that’s bundled with their Weixin account. Learn more below:

  1. Open the Weixin app and search the ‘Tenpay Global Remittance’ mini program.
  2. Select ‘Receive with Western Union MTCN’ service.
  3. Input the 10-digit Money Transfer Control Number (MTCN) and the currency.
  4. Agree to and sign the payout service with Shanghai Pudong Development Bank (applicable on first money transfer only).
  5. Confirm the request for receiving money (in RMB). Select the debit card, purpose of money transfer, and relationship with sender.

Once the bank has processed the request, the receiver can see the successful deposit of the money transfer in their transaction history.

Receive money directly in your Weixin wallet

Residents of China can have the money (in RMB) sent directly into their bank card that’s linked to Weixin Pay or Weixin wallet balance.

The sender simply needs to choose the ‘Mobile Wallet’ service and then select ‘Weixin’ as wallet service provider, then provide the following information:

  • Receiver’s full name
  • Wallet mobile number
  • Purpose of transaction

___________________________________________________________

How to receive money through Weixin:

1. Ensure that the recipient has installed the Weixin app and on the ‘Tenpay Global Remittance’ Mini Program, has set up a Recipient
Card. This Recipient Card can be set up with any international phone number.
2. The recipient will receive a SMS that there is an incoming remittance and the SMS will contain a link that brings the recipient to the
‘Tenpay Global Remittance’ Mini Program.
3. Search for the ‘Tenpay Global Remittance’ Mini Program, choose ‘I want to receive funds’, and click on ‘Create Recipient Card’.
4. Agree to the service agreement, and verify your identity.
5. Choose a receiving method. This can be the weixin wallet balance or a Bank Card linked to Weixin Pay.
You will also be asked to authorize your phone number. Overseas mobile numbers are supported.
6. Provide some additional information if required.
7. Wait for the transaction to be processed and check the progress on the transaction status page.

Subsequent money transfers will be deposited to your account directly.

Receive money directly in your Alipay wallet

Residents of China can have the money (in RMB) sent directly into their bank card that’s linked to Alipay or Alipay wallet balance.

The sender simply needs to choose the ‘Mobile Wallet’ service and then select ‘Alipay’ as wallet service provider, then provide the following information:

  • Receiver’s full name
  • Wallet mobile number
  • Purpose of transaction

___________________________________________________________

How to receive money through Alipay:

1.Ensure you installed Alipay app and registered with your Chinese mobile number.

2.You will receive a sms message and Alipay in-app notification that the money has been sent.

3.Search and enter ‘Quick Collect’ in the Alipay app.

4.Complete the real-name verification.

5.Choose receiving method: either a bank card linked to Alipay or Alipay wallet balance for receiving money.

6.Complete the money transfer with confirmation.

Subsequent money transfers will be deposited to your account directly.

Receive money in your bank account

Get your money transfer sent directly to your bank account.

Provide the sender with your bank account details3. This includes:

  • Your name as per bank records
  • Bank name
  • Bank account number (UnionPay debit card number starts with “62”)
  • Mobile number (11-digit numbers starting with “1”)

How to receive money

For customers receiving money in their bank account for the first time, in accordance with relevant regulatory requirements in China, Western Union will match and validate the customer’s personal information in the system before funds can be deposited into a bank account. Therefore, the receiver needs to either:

  • Receiver will receive a notification sms message with a registration link, click the link in the message to fill up mandatory information (this option is recommended).
    Or
  • Contact the Western Union China Customer Care for validation after the transaction has been made.

The following information needs to be provided for the validation process:

  • Receiver’s name
  • Receiver’s nationality
  • Full bank account number
  • Receiver’s ID type and ID number
  • Purpose of transaction

In the second and subsequent times using this service, the same receiver with the same bank account will receive money directly into the appointed bank account in minutes4.

Note: overseas sender can send money to their own bank account in China.

Need help?

Visit our FAQ section or contact us through our Customer Care.

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Contact us
I have questions about receiving money in China

Which are the acceptable IDs to receive money in China?

You’ll need to present one of the following government-issued ID:

  • China Identification Card
  • Passport (Excludes Hong Kong, Macau, and Taiwan passports)
  • Mainland Travel Permit (For Hong Kong, Macau, and Taiwan residents only)

Acceptable IDs are subject to the banking laws and regulations of China.

How much does it cost to receive money?

The receiver pays no agent fees to receive money. All agent fees are paid by the sender.

What is a money transfer control number (MTCN)?

It’s the unique number assigned to your transfer.
You will need this number when you go to pick up your money, and also to track your transfer.

I have questions about receiving money online

What online services can I use to receive money in China?

You can receive money through Weixin app and Alipay app and the following Western Union partner banks via online or mobile banking:

  • China Everbright Bank (CEB)
  • Shanghai Pudong Development Bank (SPDB)
  • Postal Savings Bank of China (PSBC)
  • Bank of China (BOC)

Postal Savings Bank of China implemented a new policy to restrict its money transfer business to 84 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 84 countries and territories.

The 84 whitelist countries and territories are:
Armenia, Australia, Austria, Bahrain, Bangladesh, Belgium, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China-Hong Kong, China-Macau, Commonwealth of Dominica, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, El Salvador, Estonia, Finland, France, Gambia, Georgia, Germany, Greece, Grenada, Guatemala, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jordan, Korea, Kuwait, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mauritius, Mexico, Moldova, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Qatar, Romania, Saint Lucia, Saint Vincent and the Grenadines, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Taiwan, United Arab Emirates, United Kingdom, United States of America, Uruguay, Republic of Congo, Uzbekistan, Kazakhstan, Saudi Arabia, Tonga, Malaysia,Thailand, Ecuador, Colombia, Indonesia and Ivory Coast.

I have questions about receiving money at a partner bank location

Which Western Union partner banks can I visit to receive money in person?

You can walk in to our following partner banks to receive money in person:

  • China Everbright Bank (CEB)
  • Shanghai Pudong Development Bank (SPDB)
  • Postal Savings Bank of China (PSBC)
  • Bank of China (BOC)
  • China Construction Bank (CCB)
  • Fujian Haixia Bank
  • Zhejiang Chouzhou Commercial Bank
  • Guangzhou Rural Commercial Bank
  • Jiangmen Rural Commercial Bank
  • Zhejiang Tailong Commercial Bank
  • Rural Commercial Bank of Fuzhou

In China, a bank account may be required by the bank for receiving money in cash.
Please consult the local bank location for more details. Overseas sender can send cash without a bank account.

Please note: Western Union agents are also banks in China who are subject to local regulations, risk control and bank compliance requirements. Some restriction has been recently implemented by WU bank agents on money transfer service to and from selected countries and their passport holders according to the guidance from local regulator and bank risk control. Please check with your WU bank agent location for more details before sending or receiving money.

Postal Savings Bank of China implemented a new policy to restrict its money transfer business to 84 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 84 countries and territories.

The 84 whitelist countries and territories are:
Armenia, Australia, Austria, Bahrain, Bangladesh, Belgium, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China-Hong Kong, China-Macau, Commonwealth of Dominica, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, El Salvador, Estonia, Finland, France, Gambia, Georgia, Germany, Greece, Grenada, Guatemala, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jordan, Korea, Kuwait, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mauritius, Mexico, Moldova, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Qatar, Romania, Saint Lucia, Saint Vincent and the Grenadines, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Taiwan, United Arab Emirates, United Kingdom, United States of America, Uruguay, Republic of Congo, Uzbekistan, Kazakhstan, Saudi Arabia, Tonga, Malaysia, Thailand, Ecuador, Colombia, Indonesia and Ivory Coast.

How do I send money to a Weixin user in China?

Sending money

How does Western Union work with Weixin to send money in China?
You can receive money transfers through Western Union using Weixin in China. Use this information to learn more about how it works.

How can I send money (CNY) to a Weixin user with Western Union?

Use your existing Western Union login details or if you’re not an existing customer, create a new customer profile with Western Union by registering on either the Western Union website or the Western Union® Mobile app.

  1. Select Send Money.
  2. Select Mobile wallet as the delivery method.
  3. Select a payment method.
  4. Select Continue.
  5. Complete the Receiver’s information:
  6. Select Weixin as Wallet service provider.
  7. Enter the Wallet mobile number (supports international mobile number).
  8. Select the Purpose of transaction.
  9. Select Continue.
  10. Enter the card number in the Payment information
  11. Select Continue to review.
  12. Review your transfer details and click Transfer.

After Western Union receives your payment and sends it to Weixin, you need to notify your receiver about the transfer and remind them to complete first-time verification in 跨境汇款 (Tenpay Global Remittance) mini program. The receiver can install the Weixin mini program, they receive the SMS from Weixin which would take them to this program.

Who can I send money to via Weixin?
You can send money to anyone who hold Chinese Second-Generation National ID card, or Mainland Travel Permit for Hong Kong and Macao Residents. To receive the transfer, your receiver will need to register on the mini program 跨境汇款 (Tenpay Global Remittance) in the next 48 hours after you sent the transfer. Western Union and Weixin will notify receiver.

How much can I send?
Maximum amount of up to 50,000 CNY per transaction and 500,000 CNY annually shared by Weixin Wallet balance and bank cards.

Receiving money

What do I need to receive a transfer with Weixin using Western Union?

You can receive your transfers with Weixin if you meet the following requirements:

  • Register for your Weixin account on the Weixin Mobile app.
  • Hold Chinese Second-Generation National ID card, or Mainland Travel Permit for Hong Kong and Macao Residents.
  • Authorize your bank card or Weixin Wallet Balance in the mini program 跨境汇款 (Tenpay Global Remittance)
  • Sign the kinship commitment letter (if you’re receiving money for family support reasons).

How can I receive money through Weixin?

You can receive money transfers from Western Union through Weixin. Follow the steps below to make sure your profile is set up to receive money for the first time.

  1. Ensure that the recipient has installed the Weixin app and on the 跨境汇款 (Tenpay Global Remittance) Mini Program, has set up a Recipient Card. This Recipient Card can be set up with any international phone number.
  2. The recipient will receive a SMS that there is an incoming remittance and the SMS will contain a link that brings the recipient to the 跨境汇款 (Tenpay Global Remittance) Mini Program.
  3. Search for the 跨境汇款 (Tenpay Global Remittance) Mini Program, choose I want to receive funds, and click on Create Recipient Card.
  4. Agree to the service agreement, and verify your identity.
  5. Choose a receiving method. This can be the weixin wallet balance or a Bank Card linked to Weixin Pay.

You will also be asked to authorize your phone number. Overseas mobile numbers are supported.

  1. Provide some additional information if required.
  2. Wait for the transaction to be processed and check the progress on the transaction status page.

Subsequent money transfers will be deposited to your account directly.

What if I didn’t receive a notification to link my account?
If you didn’t receive a text message or notification with instructions on how to link your account, follow these steps:

  1. Open your Weixin Mobile app.
  2. Select the Chats
  3. Search for 跨境汇款 (Tenpay Global Remittance).
  4. Select 跨境汇款 (Tenpay Global Remittance).
  5. mini program in the search results.
  6. Choose 我要收款 (I want to receive funds).
  7. Click 创建收款人名片 (Create Recipient Card) to link a bank card or Weixin Wallet Balance.

Why was my transfer rejected?

Transfers can be automatically rejected for the following reasons:

  • If you don’t link a valid card or your Weixin Wallet Balance as your receiving account in the 跨境汇款 (Tenpay Global Remittance).
  • mini program within 48 hours of your sender sending the transfer.
  • If you’ve reached your receiving limit. Receiving limits apply to all transfers, even if your money is delivered by another transfer service.
  • If you’ve exceeded the monthly fifteen transfer limit for family support or salary reasons.
  • If your sender doesn’t meet the age requirements. Senders need to be 16-65 years old.
  • If you have not submitted the required supporting documents for the transfer within 48 hours of receiving the notice of documents.

Can I cancel receiving my transfer?

Yes. You will be offered an option to cancel the transfer if you are unable to provide the supporting materials required to receive the transaction.

1 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.

2 Network data as of 30 June 2019.

3 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to the account number you provide. The receiver’s account must be a local currency payout account. Qualifying accounts must have an associated UnionPay debit card number beginning with ‘62’. Transfers to certain accounts may only be available during China bank processing hours, which are 7.30am to 9.45pm China Standard Time. Funds sent to a first-time receiver may be delayed until WU receives additional required information from the account holder. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.