What's the cheapest way to send money from Germany to China?

The cheapest provider can change as fees and exchange rates move. Compare the table above for the latest Germany to China route ranking by what the recipient gets.

How long does a transfer from Germany to China take?

Transfer time depends on the provider and payout method. The fastest current option on this page is the delivery time shown for each provider, while bank deposits and cash pickup can vary by provider, receiving country, and compliance checks.

Why do I get less than the mid-market rate?

Most transfers have two costs: the upfront fee and the exchange-rate markup inside the EUR to CNY rate. A provider can advertise a low fee and still deliver less if its exchange rate is worse than the mid-market rate.

Is it cheaper to send a larger amount at once?

Sometimes. Fixed fees usually matter less on larger transfers, but exchange-rate markup can still scale with the amount you send. Recheck the table when you change the amount because the cheapest provider can move by transfer size.

What providers and delivery methods are available for Germany to China?

Multiple providers support transfers from Germany to China. This page compares the providers shown in the comparison table. Available delivery methods vary by provider and may include bank deposit, cash pickup, mobile wallet, and more. Providers can't pay to rank higher; recipient value is the primary ranking signal.

Best way to send money from Germany to China today

Compare fees, FX markup, delivery time, and recipient value for this corridor.

🇩🇪

Sending from

Germany

🇨🇳

Receiving in

China

Mid-Market Rate

Mid-market rate refreshing

The real exchange rate - anything worse costs you

No current rate history available

7DNow

Updated Jun 21, 4:44 PM UTC

Source: Mid-market

Best available value for €500 from Germany to China: Instarem delivers 3,605.8 CNY, about 104.49 CNY more than the lowest listed option.

Rates last updated Jun 21, 2026

From

You send

Currency

Receive

Action

Compare 7 Providers

Latest saved quotes How we rank

Latest saved provider quotes

Live quote refresh is still catching up, so the comparison cards below keep the latest saved provider details visible. Confirm the final quote at provider checkout.

This Germany to China snapshot is based on €500 and the EUR/CNY corridor. It currently includes 7 saved providers and 17 quote rows. Top saved options include Instarem, Taptap Send, Xoom. Observed delivery methods include bank deposit, cash pickup, mobile wallet. Last saved quote update: Jun 21, 4:44 PM UTC.

Saved snapshot ledger

Route coordinates: Germany (DE) to China (CN) EUR/CNY; route code DE-CN-EUR-CNY; country pair DE-CN; currency pair EUR-CNY; static amount €500; amount bucket 500.
Saved quote window: 7 providers and 17 quote rows refreshed at Jun 21, 4:44 PM UTC.
bank deposit lane: 6 supported providers, 6 fresh quote providers, 0 saved stale providers, 0 networks.
cash pickup lane: 1 supported provider, 1 fresh quote provider, 0 saved stale providers, 0 networks.
mobile wallet lane: 1 supported provider, 1 fresh quote provider, 0 saved stale providers, 0 networks.
1. Instarem saved quote on Germany (DE) to China (CN) EUR/CNY; recipient gets 3,605.8 CNY; fee $0; rate 1 EUR = 7.7544 CNY; delivery 24 hr - 72 hr; payout Bank deposit; score 8.4; Latest saved comparison from Jun 21, 2026, 4:44 PM UTC..
2. Xoom saved quote on Germany (DE) to China (CN) EUR/CNY; recipient gets 3,601.56 CNY; fee $2.59; rate 1 EUR = 7.7453 CNY; delivery 5 min - 2 hr; payout Mobile wallet; score 8.5; Latest saved comparison from Jun 21, 2026, 4:44 PM UTC..
3. Taptap Send saved quote on Germany (DE) to China (CN) EUR/CNY; recipient gets 3,520.05 CNY; fee $0; rate 1 EUR = 7.5700 CNY; delivery 5 min - 1 hr; payout Bank deposit; score 8.1; Latest saved comparison from Jun 21, 2026, 4:44 PM UTC..
4. Western Union saved quote on Germany (DE) to China (CN) EUR/CNY; recipient gets 3,315.77 CNY; fee $14.9; rate 1 EUR = 7.130678 CNY; delivery 15 min - 1 hr; payout Cash Pickup; score 8.2; Latest saved comparison from Jun 21, 2026, 4:44 PM UTC..

Best saved recipient value

Instarem

24 hr - 72 hr · Bank Deposit Read review

Latest saved comparison from Jun 21, 2026, 4:44 PM UTC.

Recipient gets

3,605.8 CNY

Highest recipient outcome

Exchange rate

1 EUR = 7.7544 CNY

Mid-market comparison unavailable

Transfer fee

Fee before provider checkout adjustments.

Total cost

€0.00 (0.00%)

Transfer fee plus €0.00 FX markup

Delivery by

Bank Deposit

Latest saved comparison. Confirm the final quote at provider checkout before sending.

Xoom

5 min - 2 hr · Mobile wallet Read review

Latest saved comparison from Jun 21, 2026, 4:44 PM UTC.

Recipient gets

3,601.56 CNY

4.24 CNY less than best

Exchange rate

1 EUR = 7.7453 CNY

Mid-market comparison unavailable

Transfer fee

$2.59

Fee before provider checkout adjustments.

Total cost

€2.59 (+0.52%)

Transfer fee plus €0.00 FX markup

Delivery by

Mobile wallet

Latest saved comparison. Confirm the final quote at provider checkout before sending.

Taptap Send

5 min - 1 hr · Bank Deposit Read review

Latest saved comparison from Jun 21, 2026, 4:44 PM UTC.

Recipient gets

3,520.05 CNY

85.75 CNY less than best

Exchange rate

1 EUR = 7.5700 CNY

Mid-market comparison unavailable

Transfer fee

Fee before provider checkout adjustments.

Total cost

€0.00 (0.00%)

Transfer fee plus €0.00 FX markup

Delivery by

Bank Deposit

Latest saved comparison. Confirm the final quote at provider checkout before sending.

Western Union

15 min - 1 hr · Cash Pickup Read review

Latest saved comparison from Jun 21, 2026, 4:44 PM UTC.

Recipient gets

3,315.77 CNY

290.03 CNY less than best

Exchange rate

1 EUR = 7.130678 CNY

Mid-market comparison unavailable

Transfer fee

$14.9

Fee before provider checkout adjustments.

Total cost

€14.90 (+2.98%)

Transfer fee plus €0.00 FX markup

Delivery by

Cash Pickup

Latest saved comparison. Confirm the final quote at provider checkout before sending.

Updated Jun 21, 4:44 PM UTC. Provider pricing moves quickly, so confirm the final quote at checkout.

Route checklist

What to check before sending from Germany to China

Germany funding checklist

For Germany-based senders, compare SEPA-style bank funding with card funding. EUR transfers can have low visible fees, so the exchange-rate markup and delivery method need the same attention as the transfer fee.

China payout checklist

For recipients in China, verify payout method, recipient identity requirements, and whether the provider supports the exact receiving account type. CNY transfers can be sensitive to compliance and delivery-lane rules.

EUR/CNY quote checks

For this EUR/CNY route, treat the germany-to-china-provider-check as its own comparison. Compare the live exchange rate, fixed fee, delivery method, and recipient amount together. A small fee can still lose if the provider builds more cost into the exchange rate, and a fast transfer can be the wrong choice if it uses a weaker payout lane.

Frequently Asked Questions

Common questions about sending money from Germany to China.

View all FAQs

See an issue with this data?

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