Receive money in China, the way you want.

Find location
Be informed. Be aware.
Protect yourself from fraud.

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 ‘WEIHUIKUAN’ mini program.
  2. Select ‘Receive global remittance’ on the landing page, then the ‘Receive with 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 you installed Weixin app and registered with your Chinese mobile number.

2.You will receive a sms message that the money has been sent.

3.Search and enter ‘Tenpay Global Remittance’ mini program in the Weixin app, then choose ‘I want to receive funds’, and click on ‘Create Receiving Profile’.

4.Complete the real-name verification.

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

6.Complete the money transfer with confirmation.

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.

Go to FAQ
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 73 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 73 countries and territories.

The 73 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, and Uruguay.

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 73 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 73 countries and territories.

The 73 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, and Uruguay.

Important notice: During the outbreak of coronavirus, Western Union bank agent locations are open for service, but bank branches might adjust their operation hours based on the local virus situation. To prevent the spread of the epidemic and reduce unnecessary travel, it’s highly recommended to send and receive money online through one of our partner banks offering a Western Union branded money transfer service, or to use our Direct to Bank service to receive funds. If you must go to a bank branch, please make a call to the location about its operation hours before your visit. Please wear a mask for your own protection and cooperate with the epidemic inspection if required by your bank branch. Thank you for your understanding and cooperation. Keep safe.

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.