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🟥⭐Sending Money to China

This article explains the current rules and requirements for sending an international transfer to China through Neema, including sending to a digital wallet (WeChat and Alipay) and a UnionPay account

Important notes and restrictions

  • Transfer limits: Limit is $15,000 per transaction, $30,000 per day/ month.

  • Please note that the limits of banks and digital wallets may differ and can sometimes be lower. The sender should always verify the receiving bank/wallet limits before making a transfer.

  • Transfer fee: $2.99 per transaction

  • For Alipay and UnionPay, the beneficiary must be a Chinese citizen.

  • Due to strict Chinese regulations, it is recommended to send a small test amount before attempting a larger transfer.

WeChat

  • Beneficiary details required:

    • Chinese phone number: +86 (11 digits)

    • Or international number registered to WeChat Pay

      ⚠️ No extra zero after country code (e.g., 9720… will fail).

    • Full name in English, written exactly as registered in WeChat records.

  • First-time receiver steps:

    1. The receiver gets an SMS or app notification to complete WeChat registration.

    2. The receiver must select either FAMILY_SUPPORT or SALARY_PAYMENT as the reason for receiving funds.

    3. The prompt must be completed within 48 hours, or the transfer will be canceled and refunded automatically.

  • Fee: $2.99 per transaction

  • Transaction limit: 18,000 CNY per transaction

  • Transfer time: Approximately 15 minutes

  • Video guide for customers in Chinese: https://youtube.com/shorts/Jy4Y6Y_G_SE?feature=share

Alipay

  • Beneficiary details required:

    • Account number (phone number or email address associated with Alipay).

    • Beneficiary must be a Chinese citizen.

  • First-time receiver steps:

    1. The beneficiary must complete real-name authentication in Alipay.

    2. Authentication must be completed within 72 hours, or the transfer will be canceled and refunded automatically.

  • Fee: $2.99 per transaction

  • Transaction limit: 28,000 CNY per transaction

  • Transfer currency: CNY (Yuan).

  • Instructions for customers in Chinese: https://render.alipay.com/p/c/k6r3ebho

UnionPay

  • Beneficiary details required:

    • Full name in English, written exactly as in the beneficiary's account

    • 9-digit Chinese ID number.

    • Receiver must be a Chinese citizen with active UnionPay account.

  • Fee: $2.99 per transaction

  • Transaction limit: 34,000 CNY per transaction

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