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Receive money in China

Receive money in China, the way you want.

Find location

Choose how you want to receive money in China

You can receive money in minutes1 and in the way that is convenient to you:

Cash pickup

Collect your cash in person by visiting any of our 27,000+ agent locations2.


Find a location near you

Online

If you’re a resident of China, you can receive money online via our partner banks' platforms, Du Xiaoman Financial app and Baidu app.

See supported banks

Bank account

Receive money directly in your bank account4.



Check supported banks

How do I receive money in China?

Simply choose your preferred method and follow our step-by-step guide:

I have questions about receiving money in China

Which are the acceptable IDs to receive money in China?

You’ll need to present one of the following government-issued ID:


  • China Identification Card
  • Passport (Excludes Hong Kong, Macau, and Taiwan passports)
  • Mainland Travel Permit (For Hong Kong, Macau, and Taiwan residents only)

Acceptable IDs are subject to the banking laws and regulations of China.


How much does it cost to receive money?

The receiver pays no agent fees to receive money. All agent fees are paid by the sender.


What is a money transfer control number (MTCN)?

It’s the unique number assigned to your transfer.
You will need this number when you go to pick up your money, and also to track your transfer.

I have questions about receiving money online

What online services can I use to receive money in China?

You can receive money through the Du Xiaoman Financial app, Baidu app and the following Western Union partner banks via online or mobile banking:

  • China Everbright Bank (CEB)
  • Shanghai Pudong Development Bank (SPDB)
  • Postal Savings Bank of China (PSBC)
  • Bank of China (BOC)

Postal Savings Bank of China implemented a new policy to restrict its money transfer business to 73 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 73 countries and territories.

The 73 whitelist countries and territories are:
Armenia, Australia, Austria, Bahrain, Bangladesh, Belgium, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China-Hong Kong, China-Macau, Commonwealth of Dominica, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, El Salvador, Estonia, Finland, France, Gambia, Georgia, Germany, Greece, Grenada, Guatemala, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jordan, Korea, Kuwait, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mauritius, Mexico, Moldova, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Qatar, Romania, Saint Lucia, Saint Vincent and the Grenadines, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Taiwan, United Arab Emirates, United Kingdom, United States of America, and Uruguay.

I have questions about receiving money at a partner bank location

Which Western Union partner banks can I visit to receive money in person?

You can walk in to our following partner banks to receive money in person:

  • China Everbright Bank (CEB)
  • Shanghai Pudong Development Bank (SPDB)
  • Postal Savings Bank of China (PSBC)
  • Bank of China (BOC)
  • China Construction Bank (CCB)
  • China Minsheng Bank
  • Jilin Bank
  • Fujian Haixia Bank
  • Zhejiang Chouzhou Commercial Bank
  • Zhejiang Tailong Commercial Bank
  • Longjiang Bank
  • Guangzhou Rural Commercial Bank
  • Guangxi Beibu Gulf Bank

In China, a bank account may be required by the bank for receiving money in cash.
Please consult the local bank location for more details. Overseas sender can send cash without a bank account.

Please note: Western Union agents are also banks in China who are subject to local regulations, risk control and bank compliance requirements. Some restriction has been recently implemented by WU bank agents on money transfer service to and from selected countries and their passport holders according to the guidance from local regulator and bank risk control. Please check with your WU bank agent location for more details before sending or receiving money.

Postal Savings Bank of China implemented a new policy to restrict its money transfer business to 73 countries/territories as per its internal risk control requirement. It only processes money transfers sent or received to/from 73 countries and territories.

The 73 whitelist countries and territories are:
Armenia, Australia, Austria, Bahrain, Bangladesh, Belgium, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China-Hong Kong, China-Macau, Commonwealth of Dominica, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, El Salvador, Estonia, Finland, France, Gambia, Georgia, Germany, Greece, Grenada, Guatemala, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jordan, Korea, Kuwait, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mauritius, Mexico, Moldova, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Qatar, Romania, Saint Lucia, Saint Vincent and the Grenadines, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Taiwan, United Arab Emirates, United Kingdom, United States of America, and Uruguay.

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Sit back and relax.

Your money is on its way.

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Need help?

Visit our FAQ section or contact us through our Customer Care.

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1 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.

2 Network data as of 30 June 2019.

3 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to the account number you provide. The receiver's account must be a local currency payout account.

4 Qualifying accounts must have an associated UnionPay debit card number beginning with ‘62’. Transfers to certain accounts may only be available during China bank processing hours, which are 7.30am to 9.45pm China Standard Time. Funds sent to a first-time receiver may be delayed until WU receives additional required information from the account holder. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country/territory, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.