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Wise USD to CNY Transfers Compared

Compare live exchange rates, provider costs and current currency market data before you exchange.

Live provider rate comparison

Compare USD to CNY rates

International money transfer rates Send 10,000 USD → Receive CNY

 
 
   
   
   
   
   
 

Compare Wise Exchange Rates & Fees - Save Time & Money

 

Our Wise USD 10000 to CNY rate is 6.648. This is -1.8% below the mid-rate.

Wise at a glance

Wise uses the mid-market exchange rate for supported conversions and charges a separate fee shown before confirmation. The fee depends on the currencies, amount, payment method and customer market.

Eligible customers can hold more than 40 currencies and may receive domestic or Swift payments using account details for selected currencies. Availability varies by address, account type and currency.

Wise also offers debit cards in supported markets. Spending is free when the account already holds enough of the transaction currency; otherwise Wise applies a conversion fee.

  • Best suited to self-service international transfers, multi-currency balances and overseas card spending.
  • Not a cash-pickup service.
  • Large or unusual transfers can require additional verification or source-of-funds evidence.

Read the full Wise review or visit Wise for a live quote.

 
 

Wise - USD Rate Margin Analysis

The average USD rate margin offered by Wise is 0.83%.

This average is based on individual USD 10K transfer rates in the currency pairs from Wise that we monitor.

 

Wise - Best and Worst Value Rates

The tables below show the best and worst exchange rate margins offered by Wise for US dollar (USD 10K) transactions. Margins show the percentage difference from the mid-market rate.

Wise Best Value Rates (Lowest Margins)

Currency Pair Wise Rate Mid Market Rate Margin
USD/INR 95.50 95.60 0.1%
USD/ILS 3.0564 3.0596 0.1%
USD/PKR 276.71 277.04 0.1%
USD/CAD 1.4083 1.4104 0.1%
USD/CHF 0.8180 0.8193 0.2%

Wise Worst Value Rates (Highest Margins)

Currency Pair Wise Rate Mid Market Rate Margin
USD/TOP 2.2578 2.4078 6.2%
USD/SBD 7.6580 8.0646 5.0%
USD/BND 1.2532 1.2902 2.9%
USD/FJD 2.1705 2.2332 2.8%
USD/PGK 4.2836 4.3983 2.6%
 
 
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Wise fees for United States customers

Wise's US personal pricing advertises currency conversion from 0.57%, but the actual fee varies by currency, amount and payment method. Review the live quote before sending.

  • Personal account registration: free.
  • Physical Wise Multi-Currency Card: US$9 with no subscription fee.
  • Digital card: free for eligible customers.
  • Wise ATM fee: no charge on up to US$250 withdrawn per calendar month; each withdrawal after that costs US$1.95 plus 1.95%.
  • External e-wallet and specified cash-like funding transactions: 2%.

ATM operators can charge separately. Card spending in a currency already held is free; otherwise Wise applies the mid-market rate and a conversion fee.

 
 

Wise timing, safeguarding and support

Wise shows an estimated arrival before confirmation. Some transfers are immediate or same-day; others take several business days depending on funding, currencies, banking hours, recipient processing and verification.

Most transfers use a guaranteed rate for a stated period. Wise must receive the full payment in time for that rate to apply. Some routes use a live rate, so the recipient amount can change before processing.

Wise safeguards eligible customer money separately from its operating funds under market-specific rules. Safeguarding is not the same as ordinary bank deposit insurance, and investment products have separate terms.

Wise offers authenticated online support and regional telephone support. Its current help page states that phone lines are open 24/7, although customers should log in to see the appropriate number and options.

Verify recipient details carefully. Safeguarding does not reimburse an authorised transfer sent to a scammer.

 
   

What is the Wise Send Money conversion rate for USD to CNY?

The Wise USD to CNY exchange rate is 6.648. This is -1.8% compared to the latest USD-CNY mid-market rate 6.7701.

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 Wise - Dollar to Yuan comparison table makes it easy to compare the Total Fees (both variable and fixed) you are being charged by Wise and other foreign exchange providers against the latest USD-CNY mid-rate and the possible savings of using various providers. 

How do Wise 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 Wise at 6.648, -1.8% from the latest mid-market rate 6.7701.

The next best is Western Union at 6.6347, -2% from the mid-rate.

Then OFX at 6.5783, which is -2.8% from the mid-rate.

Among the banks the Chase Bank rate is 6.3165 at -6.7% the Wells Fargo Bank rate is 6.2759 at -7.3% and the Citibank rate is 6.5873 at -2.7% compared to the mid-rate 6.7701.

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 like Wise or platforms that offer rates closer to the mid-market rate.

 

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