The comparison table above helps you see the total cost of your currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.
To see a full list of available providers, simply enter your transaction type, details and click ‘GET RATES’.
USD to CNY Market Data
US dollar (USD) to Chinese yuan (CNY) market data - latest interbank exchange rate, trend, chart & historic rates.
Bias
Bearish-to-range-bound, as USD/CNY sits below its 90-day average and in the lower half of the 3-month range.
Key drivers
- Rate gap: The Fed is expected to ease toward a neutral stance in 2026, with rate cuts anticipated by markets, while the PBOC keeps policy stable to support the yuan.
- Macro factor: PBOC offshore yuan bills in Hong Kong continue to absorb liquidity and cap yuan downside pressure.
- Trade and geopolitics: Geopolitical tensions and tariff developments may affect risk flows, nudging USD/CNY toward the range's extremes if headlines shift.
Range
The pair is likely to drift within the 3-month range, with a tendency to hold near the lower end unless data surprises or headlines shift to clearer policy signals.
What could change it
- Upside risk: stronger US payrolls and a less dovish Fed stance could lift USD toward the upper end, especially if inflation cools only gradually.
- Downside risk: softer US data or clearer easing by the Fed, plus ongoing PBOC support and stabilizing domestic growth, could push USD/CNY lower
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USD to CNY Conversion: What Is Your Money Worth?
To help you understand the real-world value of the current exchange rate, the table below shows how much US dollar are worth in Chinese yuan across a range of amounts.
This gives a quick view of what you’d get when converting different USD amounts at today’s rate * :
What is the
best Send Money conversion rate for USD to CNY?
The best USD to CNY exchange rate is 6.8622 from Western Union. This is -1.6% compared to the mid-market rate 6.9738.
As exchange rates can vary
significantly between banks and also between currency exchange providers,
it's therefore important to carefully compare
US dollar (USD) to Chinese yuan (CNY) rates from different sources before making a conversion.
The above
Dollar to Yuan comparison table
makes it easy to compare the Total Fees (both variable and fixed) you are being charged by
banks and other foreign exchange providers against the latest USD-CNY mid-rate and the possible savings of using various providers.
How do USD-CNY rates compare between providers?
Looking at the full
USD to CNY - Send Money comparison table the provider with the best USD to CNY exchange rate is Western Union at 6.8622, -1.6% from the latest mid-market rate 6.9738.
The next best is Wise at 6.8495, -1.8% from the mid-rate.
Then OFX at 6.7278, which is -3.5% from the mid-rate.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally,
banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate.
For more competitive rates, you might consider using a specialized currency exchange service
or platforms that offer rates closer to the mid-market rate.