Corridor USD → CNY · US dollar to Chinese yuan
What does it cost to send US dollars to China?
On 15 October 2026, the most a recipient in China got for 1,000 USD was 6,714.55 CNY via Xoom: a true cost of −3.38 USD (−0.34%) including fee and rate markup. The last of 6 quotes cost 3.59%.
Transfer cost receipt · USD → CNY
Most to the recipient: Xoom transfer service
- You send
- 1,000.00 USD
- Upfront fee
- 0.00 USD
- Amount converted
- 1,000.00 USD
- Rate given
- 6.7146
- Mid-market when quoted
- 6.6919
- Rate above mid-market inside the rate
- −3.38 USD −0.34%
- True total cost
- −3.38 USD −0.34%
- Recipient gets
- 6,714.55 CNY
Picking the last quote in this ledger (OFX) instead would leave the recipient 262.97 CNY short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:54 UTC. Quote collected 15 Oct 2026, 05:45 UTC. Source: Wise public comparison data.
Plain link to the provider's official site. No commission.
Every quote for 1,000 USD → CNY
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Xoomservice | 0.00 USD | −0.34% | −3.38 USD | −0.34% | 6,714.55 CNY | best |
| 2. Instaremservice | 0.00 USD | 0.72% | 7.17 USD | 0.72% | 6,644.00 CNY | −70.55 CNY |
| 3. Remitlyservice | 1.99 USD | 0.67% | 8.65 USD | 0.86% | 6,634.07 CNY | −80.48 CNY |
| 4. Wiseservice | 17.91 USD | 0.00% | 17.91 USD | 1.79% | 6,570.38 CNY | −144.17 CNY |
| 5. Western Unionservice | 1.99 USD | 2.30% | 24.92 USD | 2.49% | 6,525.16 CNY | −189.39 CNY |
| 6. OFXservice | 5.00 USD | 3.11% | 35.92 USD | 3.59% | 6,451.58 CNY | −262.97 CNY |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 USD | Instarem | 0.72% | 5.58% | 1,328.80 CNY | 65.49 CNY | 5 |
| 1,000 USD | Xoom | −0.34% | 3.59% | 6,714.55 CNY | 262.97 CNY | 6 |
| 5,000 USD | Remitly | 0.36% | 2.34% | 33,340.23 CNY | 662.40 CNY | 5 |
What the USD → CNY numbers show
- The provider that delivers the most changes with the amount: Instarem at 200.00 USD, Xoom at 1,000.00 USD, Remitly at 5,000.00 USD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 USD, true cost ranged from 0.72% (Instarem) to 5.58% (Wise); the recipient would get 65.49 CNY less with the last quote than with the first.
- 1 of 6 quotes at 1,000.00 USD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
- Xoom quoted a rate above the mid-market rate recorded at collection time (negative markup). That usually reflects a promotional rate or a quote collected at a different moment, so confirm it before relying on it.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for USD/CNY on 15 October 2026 was 6.6910. The mid-market rate implied by the top quote at its collection time was 6.6919, a difference of 0.01%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 USD → CNY
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 USD | 0.72% | 1.43 USD | 0.72% | 1,328.80 CNY | best |
| 2. Remitlyservice | 1.99 USD | 0.67% | 3.31 USD | 1.66% | 1,316.23 CNY | −12.57 CNY |
| 3. Western Unionservice | 1.99 USD | 2.30% | 6.54 USD | 3.27% | 1,294.62 CNY | −34.18 CNY |
| 4. OFXservice | 5.00 USD | 3.11% | 11.06 USD | 5.53% | 1,264.38 CNY | −64.42 CNY |
| 5. Wiseservice | 11.17 USD | 0.00% | 11.17 USD | 5.58% | 1,263.31 CNY | −65.49 CNY |
| Set aside, not ranked (1): see methodology | ||||||
| Xoomrate 1.18% above mid-market | 3.09 USD | −1.18% | — | — | 1,333.31 CNY | — |
Every quote for 5,000 USD → CNY
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 1.99 USD | 0.32% | 17.86 USD | 0.36% | 33,340.23 CNY | best |
| 2. Instaremservice | 0.00 USD | 0.66% | 32.84 USD | 0.66% | 33,240.00 CNY | −100.23 CNY |
| 3. Wiseservice | 51.64 USD | 0.00% | 51.64 USD | 1.03% | 33,105.52 CNY | −234.71 CNY |
| 4. OFXservice | 0.00 USD | 2.16% | 108.23 USD | 2.16% | 32,735.51 CNY | −604.72 CNY |
| 5. Western Unionservice | 1.99 USD | 2.30% | 116.85 USD | 2.34% | 32,677.83 CNY | −662.40 CNY |
Read next
Questions people ask
- Which provider gave the most for 1,000 USD sent to China?
- Xoom, with 6,714.55 CNY delivered, in the snapshot retrieved 15 Oct 2026, 14:54 UTC. Its upfront fee was 0.00 USD and its rate markup −0.34%.
- How much of the cost of sending USD to CNY is hidden in the exchange rate?
- For the 6 quotes on 1,000 USD, rate markups ranged from −0.34% to 3.11% of the amount converted. 1 quote charged no upfront fee but still had a markup above 0.5%.
- How current are these USD to CNY quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:54 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:54 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: usd-to-cny.json