China

Bank Account

Type	Description
Direct to Bank Method	Direct credit to bank account in US Dollar (USD). Supported beneficiary account type – business only. Supported sender type - business only.
Transaction Turnaround Time	.T+0 China Banking day for transaction processed before 3.30pm (Mon-Fri) GMT +8 .T+1 China Banking day for transaction processed after 3.30pm (Mon- Fri) GMT +8 ·Transaction status (000) will update at T+2 or T+3 China Banking day after cut off, and this status means transaction has been successfully forwarded to beneficiary bank. For example, transaction sent before 3:30pm, transaction will process on the same day and may receive before 3:30pm. However, due to the cross-border payment to china, the transaction status will only be updated at T+2 or T+3 China Banking Day after cut off, and this mean transaction has been successfully forwarded to beneficiary bank. Note: Transaction sent after cut off/ Saturday or Sunday / Public Holiday will only be processed on next China banking day.
Area availability	China nationwide
Validation / Verification	Beneficiary name must be in PINYIN (Romanized Chinese).
Amount received	Beneficiary received net amount as specified by Sender.
Transaction Limit	USD Payout: Maximum per transaction USD 500,000 Minimum per transaction USD 15 Compliance accumulated limit USD 50,000.00 per day per beneficiary Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is on best effort basis and may charge a cancellation fee. Cancellation Fee: If there is insufficient supporting documentation or the transaction is rejected by the recipient, the beneficiary bank may charge a cancellation fee. The cancellation fee and the amount of cancellation depends on the beneficiary bank.
Remarks	Mandatory Field: 1. Beneficiary Address. 2. Beneficiary name should be same as the registered name with the banks to avoid rejection from beneficiary bank.
Do_Transfer bAccType Value	1

Supported bank

No	Name	Issuer Code
1	AGRICULTURAL BANK OF CHINA_USD (中国农业银行)	8600641
2	ANSHAN CITY COMMERCIAL BANK_USD (鞍山市商业银行)	8600642
3	BANK OF BEIJING_USD (北京银行)	8600643
4	BANK OF CHANGSHA_USD (长沙银行)	8600644
5	Chongqing Bank_USD (重庆银行)	8600646
6	BANK OF COMMUNICATIONS_USD (交通银行)	8600647
7	Bank of Gansu Co Ltd_USD （甘肃银行）	8600648
8	BANK GUANGZHOU_USD (广州银行)	8600649
9	BANK OF HANGZHOU_USD (杭州银行)	8600650
10	Jiangsu Bank_USD (江苏银行)	8600651
11	Jilin Bank_USD (吉林银行)	8600652
12	BANK OF JINZHOU_USD (锦州银行)	8600653
13	Bank of Kunlun_USD (昆仑银行)	8600654
14	Bank of Liaoyang Co Ltd_USD （辽阳银行）	8600655
15	BANK OF NANJING_USD (南京银行)	8600656
16	BANK OF NINGBO_USD (宁波银行)	8600657
17	BANK OF QINGDAO_USD (青岛银行)	8600658
18	BANK OF SHANGHAI_USD (上海银行)	8600659
19	Taizhou Bank_USD (台州银行)	8600660
20	BANK OF WENZHOU_USD (温州银行)	8600661
21	Bank of Yingkou_USD (营口银行)	8600662
22	BEIJING RURAL COMMERCIAL BANK_USD (北京农村商业银行)	8600663
23	CHINA BOHAI BANK_USD (渤海银行)	8600664
24	CHINA CITIC BANK_USD (中信银行)	8600665
25	CHINA CONSTRUCTION BANK_USD (中国建设银行)	8600666
26	China Development Bank_USD （国家开发银行）	8600667
27	CHINA EVERBRIGHT BANK_USD (中国光大银行)	8600668
28	CHINA GUANGFA BANK_USD (广发银行)	8600669
29	CHINA MERCHANTS BANK_USD (招商银行)	8600670
30	CHINA MINSHENG BANK_USD (中国民生银行)	8600671
31	CHINA ZHESHANG BANK_USD (浙商银行)	8600672
32	Chongqing Rural Commercial Bank_USD (重庆农村商业银行)	8600673
33	Citibank (China) Co Ltd_USD （花旗银行（中国）有限公司）	8600674
34	Evergrowing Bank Co Ltd_USD （恒丰银行）	8600675
35	Fubon Bank (China) Co Ltd_USD （富邦华一银行有限公司）	8600676
36	Fujian Haixia Bank_USD (福建海峡银行)	8600677
37	Guilin Bank_USD (桂林银行)	8600678
38	Habib Bank Limited_USD (哈比银行有限公司）	8600679
39	Hankou Bank_USD (汉口银行)	8600680
40	HUA XIA BANK_USD (华夏银行)	8600681
41	Huishang Bank_USD (徽商银行)	8600682
42	INDUSTRIAL AND COMMERCIAL BANK CHINA_USD (中国工商银行)	8600683
43	INDUSTRIAL BANK CO LTD_USD (兴业银行总行)	8600684
44	Jiangsu Changshu Rural Commercial Bank_USD (江苏常熟农村商业银行)	8600685
45	Jilin Rural Credit Cooperative Union_USD (吉林省农村信用社联合社)	8600686
46	Jinan Rural Commercial Bank Co., Ltd_USD (济南市农村商业银行)	8600687
47	Metropolitan Bank (China) Ltd_USD (首都银行（中国）有限公司)	8600688
48	Nanyang Commercial Bank (China) Limited_USD (南洋商业银行（中国）有限公司)	8600689
49	Ningbo Commerce Bank Corporation Ltd_USD (宁波通商银行)	8600690
50	Ningbo Yinzhou Rural Cooperative bank_USD (宁波鄞州农村合作银行)	8600691
51	PING AN BANK_USD (平安银行)	8600692
52	POSTAL SAVINGS BANK OF CHINA_USD (中国邮政储蓄银行)	8600693
53	SHANGHAI PUDONG DEVELOPMENT BANK_USD (上海浦东发展银行)	8600694
54	SHANGHAI RURAL COMMERCIAL BANK_USD (上海农村商业银行)	8600695
55	Shengjing Bank Co. Ltd_USD (盛京银行)	8600696
56	The Agricultural Development Bank of China_USD (中国农业发展银行)	8600697
57	The Bank of East Asia (China) Ltd_USD (东亚银行（中国）有限公司)	8600698
58	The Export-Import Bank of China_USD (中国进出口银行)	8600699
59	WEIHAI CITY COMMERCIAL BANK_USD (威海市商业银行)	8600700
60	XIAMEN BANK_USD (厦门银行)	8600701
61	Xiamen International Bank Co Ltd_USD (厦门国际银行)	8600702
62	YANTAI BANK_USD (烟台银行)	8600703
63	ZHEJIANG CHOUZHOU COMMERCIAL BANK_USD (浙江稠州商业银行)	8600704
64	Zhejiang E-Commerce Bank Co Ltd_USD (浙江网商银行)	8600705
65	Zhejiang Mintai Commercial Bank Co Ltd_USD (浙江民泰商业银行)	8600706
66	Zhejiang Province Rural Credit Union_USD (浙江省农村信用社联合社)	8600707
67	ZHEJIANG TAILONG COMMERCIAL BANK_USD (浙江泰隆商业银行)	8600708
68	Zhongyuan Bank Co Ltd_USD (中原银行)	8600709

E-wallet

Service specification

Type

Description

Cash-out Method

Direct credit to bank account linked with Alipay / Alipay account balance in Chinese Yuan / Renminbi (CNY).
Direct credit to bank account linked with WeChat Pay / WeChat Pay account balance in Chinese Yuan / Renminbi (CNY).
Supported beneficiary account type – individual only.
Supported sender type - individual only.

Transaction Turnaround Time

· Real-time: 24x7 (within 15 minutes)

Area availability

China nationwide

Validation / Verification

Beneficiary name must be in Roman Characters.
Account validation is available for Alipay.

Please refer to Validation available country for the list of supported Banks:
http://www.tranglo.com/docs/tranglo-connect/request-response-code-description/validation-available-country/

Amount received

Beneficiary received net amount as specified by Sender.

Transaction Limit

Alipay

Types of limit	FAMILY_SUPPORT / SALARY TRANSFER	GOODS_PAYMENT	SERVICE_PAYMENT
Maximum per transaction	CNY 50,000.00	CNY 50,000.00	CNY 50,000.00
Minimum per transaction	CNY 1.00	CNY 1.00	CNY 1.00
Maximum per calendar year	CNY 600,000.00	CNY 600,000.00	CNY 300,000.00
Maximum transactions per month	15	N/A	N/A

WeChat Pay
The define of identity (Mainland/Hong Kong or Macao) are based on supplier KYC.

Limit based on Sending Country	South Korea	Others
Maximum per transaction	CNY 30,000.00	CNY 50,000.00
Minimum per transaction	CNY 1.00	CNY 1.00
Maximum per calendar year	CNY 500,000.00	CNY 500,000.00
Maximum transactions per month	15	15

Compliance accumulated limit CNY 350,000 per day per Beneficiary

Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.

Maximum Beneficiary

Limit four (4) beneficiary per Year - Each Sender could only send transaction to 4 Beneficiary per Year
(Only applicable to WeChat Pay)

Service Charge

Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.

Cancellation Process

Cancellation is on best effort basis.

Remarks

Alipay
· Account number for Alipay user is either Registered China mobile number or Registered Email address.
· Only Individual sender and beneficiary is allowed.
· Beneficiary must have a valid China government issued ID.
· Beneficiary is required to bind a default bank account from Alipay APP. (Reference)
· First time receiver required to bind / select card within 24 hours of the transactions, else transactions will be rejected.
· Beneficiary can choose to credit the money into bank account linked with Alipay or Alipay account balance.
· Purpose code that is not as per mention in above will be rejected as invalid purpose code (922).
· Sender full Address is mandatory for KYC verification purpose.
. For all transfer purposes, the partner will require the payee to provide relevant proof when the transaction was checked as risky by the risk control.

. Acceptable purpose code are:

Category	Purpose Code	Description
FAMILY_SUPPORT or SALARY TRANSFER	13220	Goods and Services by Short Term Workers
	14310	Wages and Salaries in Cash
	14320	Wages and Salaries in Kind/Benefits Attributable to Employees
	21220	Worker's Remittances
GOODS_PAYMENT	132101001	Goods (Fashion)
	132101002	Goods (Daily Supply and Cosmetics)
	132101003	Goods (Electronics)
	132101004	Goods (Toys)
SERVICE_PAYMENT	132102001	Services (Interpretation)
	132102002	Services (Translation)
	132102003	Services (Human Resource)
	132102004	Services (Estate Agency)
	132102005	Services (Software Development)
	132102006	Services (Web Design or Development)
	132102007	Services (Tax)
	132102008	Services (Exhibition)
	16771	Legal Services
	16772	Accounting Services
	16740	Architectural, Engineering and Other Technical Services
	16760	Advertising, Market Research, and Public Opinion Polling Services

WeChat Pay
· Kindly reach out to [email protected] for KYC/onboarding.
· A valid beneficiary mobile number with country code (international dialing standard) is required for beneficiary account number (bAccNum).
· First time receiver required to declare relationship with sender (KYC) on Weremit mini program/SMS within 48 hours. (Reference 1 and Reference 2)
· A Chinese citizen with a National ID card.
· Beneficiary authorized Weixin Balance to receive funds with Weixin.
· Sender age must be between 16 to 99.
· Cancellation may take up to 48 hours.
· Remittance only supports close family being:
a) Spouse
b) Parents
c) Children
d) Siblings
e) Grandparents
f) Grandchildren
· Sender can send the transaction to self when the beneficiary name is same with sender name along side relationship = self and choosing purpose code 21220 Worker's Remittances

· Acceptable purpose code are:

No	Purpose Code	Description
1	13220	Goods and Services by Short Term Workers
2	14310	Wages and Salaries in Cash
3	14320	Wages and Salaries in Kind/Benefits Attributable to Employees
4	21220	Worker's Remittances

· For assistance in deciding the correct purpose code, you may reach out to [email protected]

Do_Transfer bAccType Value

Supported e-wallet

No	Name	Issuer Code
1	Alipay	EWALIPAY
2	WeChat Pay	EWWECHAT

China Union Pay Card Network Service

Service specification

Type	Description
Direct to Bank Method	Direct credit to bank account in Chinese Yuan / Renminbi (CNY). Supported beneficiary account type – individual only. Supported sender type - individual only.
Transaction Turnaround Time	China Unionpay (CUP) debit or credit card linked to beneficiary bank account · Real-time transfer (within 3 minutes) between 7am to 10pm GMT+8
Area availability	China nationwide
Validation / Verification	Beneficiary name must be in PINYIN (Romanized Chinese).
Amount received	Beneficiary received round amount specified by sender.
Transaction Limit	Maximum per transaction CNY 35,000.00 Minimum per transaction CNY 100 Maximum Daily Limit USD 10,000 per Calendar day Maximum USD50,000 or amount determined by SAFE* per China citizen beneficiary per calendar year
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is on best effort basis.
Remarks	Mandatory Field: 1. Sender City Please contact support team for the latest complete list of banks and Bin number supported.
Do_Transfer bAccType Value	8

Supported bank

No	Name	Issuer Code
1	Union Pay	8600067
	List of Bank Support	Type of Card
	INDUSTRIAL AND COMMERCIAL BANK CHINA (中国工商银行)	Debit & Credit Card
	BANK OF CHINA (中国银行 )	Debit & Credit Card
	CHINA CONSTRUCTION BANK (中国建设银行 )	Debit Card
	CHINA EVERBRIGHT BANK (中国光大银行 )	Debit Card
	HUA XIA BANK (华夏银行 )	Debit Card
	LINSHANG BANK (临商银行 )	Debit Card
	Hunan Rural Bank ( 湖南农信 )	Debit Card
	Harbin Bank (哈尔滨银行 )	Debit Card
	Qinghai Rural Bank ( 青海农信 )	Debit Card
	Guangdong Rural Bank (广东农信 )	Debit Card
	Henan Rural Bank (河南农信 )	Debit Card
	AGRICULTURAL BANK OF CHINA (中国农业银行)	Debit & Credit Card
	BANK OF COMMUNICATIONS (交通银行)	Debit & Credit Card
	Bank of Fuxin (阜新银行)	Debit Card
	Bank of Liuzhou (柳州银行)	Debit Card
	BANK OF QINGDAO (青岛银行)	Debit Card
	BANK OF SHANGHAI (上海银行)	Credit Card
	Bank of Shaoxing (绍兴银行)	Credit Card
	Bank of Yingkou (营口银行)	Credit Card
	BAOSHANG BANK (包商银行)	Debit Card
	Chongqing Bank (重庆银行)	Debit Card
	Fujian Province Rural Credit Union (福建省农村信用社联合社)	Debit & Credit Card
	GUANGZHOU RURAL COMMERCIAL BANK (广州农村商业银行)	Debit Card
	Guilin Bank (桂林银行)	Debit Card
	Guiyang Commercial Bank (Guiyang Bank) (贵阳市商业银行（贵阳银行）)	Debit Card
	Hankou Bank (汉口银行)	Credit Card
	Jiangsu Bank (江苏银行)	Credit Card
	Lanzhou Bank (兰州银行)	Credit Card
	Longjiang Bank (龙江银行)	Debit Card
	PING AN BANK (平安银行)	Credit Card
	POSTAL SAVINGS BANK OF CHINA (中国邮政储蓄银行)	Debit Card
	Qilu Bank (齐鲁银行)	Credit Card
	SHANGHAI PUDONG DEVELOPMENT BANK (上海浦东发展银行)	Credit Card
	Woori Bank (友利银行(中国))	Debit Card
	XIAMEN BANK (厦门银行)	Credit Card
	YELLOW RIVER RURAL COMMERCIAL BANK (黄河农村商业银行)	Credit Card
	Zhejiang Province Rural Credit Union (浙江省农村信用社联合社)	Debit Card
	Zhengzhou Bank (郑州银行)	Debit Card

Alipay Bank Card Solution

Type

Description

Cash-out Method

Alipay Bank Account Solution in Chinese Yuan / Renminbi (CNY).
Supported beneficiary account type – individual only.
Supported sender type - individual only.

Transaction Turnaround Time

· Real-Time Process, maintenance time 11:30pm - 12:30am UTC+8 Everyday

Area availability

China nationwide

Validation / Verification

No Validation/Verification available.

Amount received

Beneficiary received net amount as specified by Sender.

Transaction Limit

CNY Payout:
Maximum per transaction CNY 50,000
Minimum per transaction CNY 1
Yearly Maximum CNY 600,000.00
Maximum Transaction Receive Per Month 10 Times

Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.

Maximum Beneficiary

No limit

Service Charge

Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.

Cancellation Process

Cancellation is on best effort basis.

Remarks

· Beneficiary name must be in Chinese Character in correct sequence,
Example: Surname: 张 Given name: 三丰 Name must pass: 张三丰

· Beneficiary Contact is Mandatory

· Sender IDType MANDATORY and only accept as below
a) International Passport = bIDtype "2"
b) Identification ID = bIDType "3"

· Beneficiary IDtype is MANDATORY and only accept China Mainland ID. BIDType as below
a) Identification ID = bIDType "3"

· For post transaction monitoring purpose, our compliance team will request either 1 supporting document as Transaction Purpose:
FAMILY_SUPPORT
a) Hukou (CN Household registration booklet)
b) Marriage Certificate
c) Relationship Declaration
SALARY
a) Labor Contract
b) Company Pay Slip
c) Bank Statement
c) Income Proof Provided by the Company

· Acceptable purpose code are:

No	Purpose Code	Description
1	13220	Goods and Services by Short Term Workers
2	14310	Wages and Salaries in Cash
3	14320	Wages and Salaries in Kind/Benefits Attributable to Employees
4	21220	Worker's Remittances

· For assistance in deciding the correct purpose code, you may reach out to [email protected]

Do_Transfer bAccType Value

Supported bank

No	Name	Issuer Code
1	Alipay Bank Card Solution For supported bank, please find files: Supported Bank List	8600710

FAQ

Need more clarity on the service specifications? Check out the FAQs below for assistance.

What are the processing times for bank transfers to China?

Same-day processing (T+0): Transactions submitted before 3.30pm GMT+8 (Mon-Fri) are processed the same day.

Next-day processing (T+1): Transactions sent (submitted) after 3.30pm GMT+8 (Mon-Fri) are processed the next banking day.

Status updates: Transaction status (code "000") is updated on T+2 or T+3 after submission, indicating funds have been forwarded to the beneficiary bank.

Weekends/holidays: Transactions sent after cutoff times, on weekends, or public holidays are processed on the next China banking day.

What are the transaction limits for USD bank transfers?

Types of limit	Amount
Maximum per transaction	USD 500,000
Minimum per transaction	USD 15
Daily compliance limit per beneficiary	USD 50,000

What beneficiary details are required for bank transfers?

Name format: Must be in PINYIN (Romanised Chinese) for USD transfers.

Account type: Only business accounts are supported.

Net amount: Beneficiaries receive the exact full amount specified by the sender (no deductions).

Which banks are supported for USD transfers?

Tranglo supports over 60 banks in China. Kindly refer to our Service Specification page for China for the complete list.

What are the e-wallets supported for China?

We currently support Alipay and WeChat Pay

How do Alipay and WeChat Pay transfers work?

Supported users: Only individuals (both sender and beneficiary).

Name format: Roman characters for Alipay; Chinese ID required for WeChat Pay.

Below are the transaction limits:

E-Wallet Service	Transaction limits
Alipay	Maximum per transaction: CNY 500,000.00 Minimum per transaction: CNY 1.00 Annual limit: CNY 600,000 (FAMILY_SUPPORT / SALARY TRANSFER / GOODS_PAYMENT) or CNY 300,000 (SERVICE_PAYMENT) Maximum transactions per month: 15 (Only for FAMILY_SUPPORT / SALARY TRANSFER)
WeChat Pay	Maximum per transaction: CNY 30,000 (South Korea) or CNY 50,000 (Others). Minimum per transaction: CNY 1.00 Annual limit: CNY 500,000 Maximum transactions per month: 15

What documents are required for compliance checks?

Family support: Hukou (household registration), marriage certificate, or relationship declaration.

Salary transfers: Labour contract, payslips, or income proof.

Purpose codes: Must align with transaction type (e.g., "21220" for Worker’s Remittances).

Can I cancel a transaction?

Cancellations are processed on a best effort basis and may take up to 48 hours. Fees are refunded only if the payout channel has not processed the transaction.

What are the requirements for China UnionPay card transfers?

Supported users: Individuals only.

Name format: PINYIN (Romanised Chinese).

Processing time: Real-time (within 3 minutes) between 7am and 10pm (GMT+8).

Types of limit	Amount
Maximum per transaction	CNY 35,000
Minimum per transaction	CNY 100
Daily limit	USD 10,000
Annual limit	USD 50,000 or determined by SAFE*

What if the e-wallet beneficiary is a first-time receiver?

Alipay: Must bind a bank account to Alipay within 24 hours.

WeChat Pay: Must declare relationship with sender (e.g., spouse, parent) via SMS/mini-programme within 48 hours.

How do I cancel a pending transaction for China corridor?

Submit a formal indemnity letter (stamped and signed by your company’s authorised representative).

Escalate the case to Tranglo Support team for coordination.

Note: Cancellations are not guaranteed if the transaction has already been processed.

How can non-Chinese residents receive CNY payments?

Individuals: Must have a valid Chinese National ID and a CNY-denominated account in China.

Businesses: Require a corporate CNY account registered in China.

Foreigners: Cannot receive CNY unless they meet the above criteria.

How long does beneficiary KYC take for WeChat transactions?

KYC Completion: Beneficiaries have 48 hours to authorise their phone number via SMS.

Failure: Transactions auto-refund after timeout if not completed in time.

Tip: Remind beneficiaries to check their spam folders or use the WeChat mini-programme「微汇款」to claim funds manually.

Why are my transactions frequently flagged for compliance?

Common compliance triggers include:
a) Mismatched beneficiary name and phone number
b) Use of non-Chinese characters in beneficiary details
c) High-frequency or high-value transfers without prior approval

Preventive action:
a) Confirm that beneficiary details match the bank records.
b) Use Romanised names (e.g., "Zhang Wei" instead of "张伟").

Can I resend a failed transaction with the same reference number?

No, our system blocks duplicate reference numbers.

Solution: Generate a new reference number and resubmit after resolving the original issue (e.g., KYC completion or account validation).

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