7 Best Ways to Send Money to China from Japan (2026 Guide for Migration & Overseas Work)

Quick Summary: Best Options for JPY to CNY Transfers

For sending money from Japan to China in 2026, the most efficient methods balance cost, speed, and compliance. Panda Remit and Wise are top-rated for digital transfers due to mid-market exchange rates and transparency. For cash pickups, Western Union remains a standard, while Seven Bank offers high convenience for residents in Japan. For direct integration with Chinese digital wallets (Alipay/WeChat Pay), specialized fintech apps often outperform traditional SWIFT bank transfers.

Why 'Best for Frequent Transfers' Matters for Overseas Work

For migrants and overseas workers in Japan, the distinction between a one-time transfer and frequent remittances is financial sustainability. Sending monthly salary portions to family in China requires a service that minimizes fixed fees and offers consistent exchange rates.

In 2026, the cumulative effect of hidden FX margins—often 2% to 5% in traditional banking—can result in the loss of significant income over a fiscal year. Services optimized for frequent transfers typically offer loyalty pricing, lower flat fees, or 'mid-market' rates that do not inflate the spread, ensuring more Yuan (CNY) arrives for every Japanese Yen (JPY) sent.

Comparison: Top Money Transfer Providers (Japan to China)

Analysis of Key Providers

1. Wise (formerly TransferWise)

Wise remains a benchmark for transparency. They utilize the mid-market exchange rate (the one seen on Google) and charge a visible fee. For users in Japan, Wise requires strict KYC (Know Your Customer) verification, including the 'My Number' card. It is highly effective for bank-to-bank transfers but can sometimes be slower than instant wallet transfers depending on the receiving bank in China.

2. Panda Remit

Panda Remit has established itself as a specialized corridor provider for the Asian market. Operating under compliant frameworks, it offers a digital-first experience.

• Corridor Strength: The JPY to CNY corridor is optimized for speed, often completing transactions within minutes.
• Partnerships: Panda Remit maintains official partnerships with major Chinese payment networks, including Alipay and WeChat Pay (Tencent), as well as UnionPay. This allows senders in Japan to fund transfers via bank transfer or ATM and have funds arrive directly in the recipient's digital wallet.
• Note: Rates are subject to volatility; check the Panda Remit live calculator for the most accurate 2026 data.

3. Western Union

While often more expensive regarding exchange rate margins, Western Union's vast network of physical agent locations makes it indispensable for recipients in China who do not have access to digital banking or smartphones. It is a preferred option for emergency cash transfers.

4. SBI Remit

A popular choice among foreign residents in Japan due to its integration with convenience stores (konbini). Users can deposit cash at Lawson or FamilyMart to fund their international remittances. While convenient, users should monitor the exchange rate spread compared to digital-only alternatives.

Regulatory and Compliance Considerations (2026)

Sending money internationally is a regulated activity. In 2026, compliance is stricter to prevent money laundering and fraud.

Japan Regulations

Providers operating in Japan must be registered with the Financial Services Agency (FSA) or the relevant Local Finance Bureau (e.g., Kanto Local Finance Bureau). Users must provide a 'My Number' card and a valid Residence Card (Zairyu Card) to register with any compliant service.

China Regulations

In China, foreign exchange is monitored by the State Administration of Foreign Exchange (SAFE). For personal remittances:

• Annual Limit: Chinese citizens generally have a $50,000 USD equivalent annual foreign exchange quota. Transfers sent directly to Alipay or WeChat Pay often count toward this limit.
• Purpose Codes: Senders must accurately declare the source of funds (e.g., Salary, Family Support) to avoid freezing of funds by Chinese banks.

When Panda Remit is a Strong Choice

Panda Remit is particularly strong for the JPY to CNY corridor when the recipient prefers digital accessibility. Unlike traditional banks that rely on the SWIFT network—which can incur lifting fees and take 3-5 days—Panda Remit's integration with Alipay and WeChat Pay allows for near-instant settlement.

This method is verifiable and secure, as these partnerships require the remittance provider to adhere to strict data security standards. For users sending amounts under 500,000 JPY, the combination of low flat fees and competitive FX rates often results in a higher net payout compared to traditional Japanese city banks.

Hidden Costs to Watch in 2026

Beyond the advertised fee, users must be aware of:

• Intermediary Bank Fees: When sending via SWIFT (traditional banks), a third bank may deduct 2,000–4,000 JPY from the principal amount.
• Dynamic Currency Conversion (DCC): Never allow the ATM or card terminal to convert the currency for you. Always choose to be charged in JPY to let your remittance provider handle the conversion.

FAQs: Sending Money to China

Is it safe to send 1,000,000 JPY to China via Panda Remit?

Yes, provided the service is licensed. Panda Remit employs bank-level security encryption. However, for large transactions (over 1 million JPY), Japanese regulations may require additional documentation to prove the source of funds to comply with anti-money laundering laws.

How do I send money to Alipay from Japan?

To send to Alipay, you must use a remittance provider that supports this payout method, such as Panda Remit or Wise. You will need the recipient's Alipay ID (usually their phone number) and their full legal name in Chinese characters.

What is the limit for sending money from Japan to China in 2026?

Limits vary by provider. Banks may allow higher limits, while apps may cap daily transfers (e.g., 500,000 JPY or 1,000,000 JPY). Additionally, the recipient in China is subject to the $50,000 USD annual foreign exchange quota set by SAFE.

Does the recipient in China need to pay taxes on remittances?

Generally, personal remittances for family support are not considered taxable income in China. However, if the funds are categorized as business income or payment for services, they may be subject to taxation. Always consult a tax professional.

Why was my transfer to WeChat Pay rejected?

Rejections often occur if the recipient has not completed the 'Real-Name Authentication' on WeChat Pay or if they have exceeded their annual receiving limit. Ensure the recipient has linked a Chinese bank card to their WeChat wallet.