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EUR/CNY Remittance Guide
Euro (EUR) → Chinese Yuan (CNY) Complete Transfer Guide
Corridor Overview
Main channel for European Chinese diaspora remittances home and China-Europe trade settlement. Used widely by Chinese communities in Germany, France, and the UK.
Recommended Platforms
Top Pick
Wise Visit →
Fees ~0.4–1% fee, transparent exchange rate
Transfer Speed 1–2 business days
Min. Amount USD 1
Best For Personal transfers, transparent rates
Alipay International Visit →
Fees ~0.5–1.5% fee; better rates for larger amounts
Transfer Speed Instant (Alipay to Alipay)
Min. Amount CNY 1
Best For Transfers into mainland China, Alipay users
XE Money Transfer Visit →
Fees No fixed fee; profit from spread
Transfer Speed 1–3 business days
Min. Amount USD 10
Best For Large business transfers
SWIFT Bank Transfer Visit →
Fees Bank fee USD 15–50; correspondent banks may deduct additional fees
Transfer Speed 3–5 business days
Min. Amount USD 1
Best For Large formal transfers, business use
Practical Tips
- Bank of China's European branches support direct EUR-to-CNY remittances, suitable for large commercial payments.
- SEPA transfer EUR to a Wise EUR account first, then convert to CNY, saving on correspondent bank fees.
Key Regulations
- EU AML rules apply. European outgoing transfers require KYC and reporting for large amounts.
Important Notice
Exchange rates above are reference values (last synced 2026-07-21). Actual rates are determined by the market and change constantly. Fee data is sourced from public information; confirm current charges on each platform. This page does not constitute investment or financial advice.
Data reference: 2026-07