Send money to a China UnionPay Card

See below for answers to your questions about sending money to China via Union PayCard.

What is China UnionPay?

China UnionPay is a cashless payment method in China using a debit or credit card.

China UnionPay cardholders must be Chinese nationals and they can receive international payments sent directly to their cards. A UnionPay cardholder can withdraw the funds from bank ATMs supporting UnionPay, use them in merchant POS card readers and can be used for public utilities and much more.

What information do I need from my recipient to send to China UnionPay cards in China?



How much can I send to a China UnionPay card in China?

A maximum of:

  • USD 5,000 per transaction

  • USD 10,000 per beneficiary person per day

  • USD 50,000 per beneficiary person per year


What currencies can I credit to a China UnionPay card in China?

Renminbi [RMB/CNY]

When will funds be credited to China UnionPay cards in China?

Payment Schedule Monday to Sunday

  • Transaction received before 9.00 pm [GMT +8] will be credited on the same working day

  • Transaction received after 9.00 pm [GMT +8] will be credited next working day

We will notify you and your recipient by email when funds are credited.

We may sometimes require further information from you before we can process the transfer in order to comply with our regulatory requirements. We will email you if this is the case.

Which banks in China support China UnionPay?

The supported China UnionPay banks in China are as follows:

  1. Industrial and Commercial Bank of China Limited

  2. Bank of China

  3. China Construction Bank

  4. Agriculture Bank of China

  5. Bank of Communications

  6. China Everbright Bank

  7. Hua Xia Bank

  8. Harbin Bank

  9. Bank of Shanghai

  10. Fujian Rural Credit Cooperative

  11. Linshang Bank

  12. Hunan Rural Credit Cooperative

  13. Qinghai Rural Credit Cooperative

  14. Guangdong Rural Credit Cooperative

  15. Henan Rural Credit Cooperative

  16. Bank of Inner Mongolia

  17. Wuhan Rural Commercial Bank

  18. Shanxi Rural Credit Union

  19. Bank of Hainan

  20. Guangxi Beibu Gulf Bank

  21. Guilin Bank

  22. Bank of Chengdu

  23. Bank of Zhengzhou

  24. Shenzhen Baoan Guiyin Rural Bank

  25. Shenzhen Rural Commercial Bank

  26. Jinshang Bank

  27. Guangzhou Rural Commercial Bank

  28. Hubei Bank

  29. Bank of Ningxia

  30. Liaoshen bank

  31. Bank of ChongQing

  32. Bank of Qingdao

  33. Chang'an Bank

  34. Fudian BANK

  35. Bank OF Guiyang

  36. Jilin Rural Credit Bank

  37. Bank of Dalian

  38. Ordos Bank

  39. Haikou United Agricultural and Commercial Bank

  40. Bank of Dalian

  41. HuiShang Bank

  42. Tianjin Jincheng Bank

  43. Bank of Urumqi

  44. Changchun Chaoyang Herun Village Bank

  45. Bank of Zhangjiakou


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