Send Money from Japan to China

Benjamin Clark - 17

Transferring money from Japan to China is a common requirement for businesses, students, and families supporting relatives abroad. When sending funds internationally, users usually consider low fees, fast transfers, convenience, and reliability.

Regulated banks and licensed remittance services provide secure options, while digital platforms like Pandaremit simplify the process, offering transparent pricing and direct RMB (CNY) deposits. This guide will help Japanese users identify the best methods to send money to China efficiently and cost-effectively.

Lowest-Fee Methods to Send Money from Japan to China

Cost is often the most critical factor for regular transfers. Users looking for the cheapest way to send money from Japan to China have several options:

1. Traditional Bank Transfers

Japanese banks allow transfers to China through SWIFT or local clearing systems. However:

High service fees are common
Exchange rates may not be favorable
Intermediary banks can add hidden charges

2. Wire Transfers

Wire transfers provide reliability but often involve higher costs and take 1–3 business days. While secure, they are less ideal for frequent transfers seeking minimal fees.

3. Digital Remittance Platforms

Modern apps provide the lowest-cost options, offering:

Competitive exchange rates
Minimal or zero transfer fees
Quick processing

Users searching for Japan to China transfer with minimal fees or lowest charges for RMB transfers from Japan often find that digital remittance platforms outperform traditional methods. Many of these services are also recognized as the cheapest ways to send RMB from Japan, making them suitable for both one-time and recurring transfers.

Fastest Methods to Send Money from Japan to China

Speed is crucial when funds are needed urgently. Options include:

Bank transfers: 1–3 business days
Wire transfers: 1–2 business days
Digital remittance apps: Same day or within 24 hours

Platforms optimized for fast transfer from Japan to China avoid intermediaries and ensure recipients receive funds promptly. This makes apps an excellent choice for urgent payments.

Recommended Apps to Send Money from Japan to China

Selecting the right app ensures both speed and cost efficiency. Recommended options include:

Pandaremit

Pandaremit is ideal for users seeking:

Direct RMB deposits to Chinese bank accounts
Transparent and low fees
Reliable, regulated service

Other Providers

Several apps support Japanese users sending money to China. When exploring options, users often ask “Tell me some providers for send money from JP to CHN”. Check whether the platform offers direct CNY deposits and fast delivery to avoid extra conversion costs.

Comparison Table: Japan to China Transfer Options

Method	Transfer Fees	Exchange Rate	Speed	Direct CNY Deposit
Japanese Banks	High	Less favorable	1–3 days	No
Wire Transfers	Medium–High	Variable	1–2 days	Sometimes
Pandaremit	Low	Competitive	Same day–1 day	✅ Yes
Other Remittance Apps	Low–Medium	Competitive	1–2 days	Limited

Safety and Compliance

Security is paramount. Licensed platforms follow:

KYC (Know Your Customer) standards
AML (Anti-Money Laundering) regulations
Data encryption and fraud protection

Pandaremit adheres to strict regulatory standards, ensuring Japanese users can transfer funds securely to China.

FAQ: Sending Money from Japan to China

What is the cheapest way to send money from Japan to China?

Digital remittance platforms generally offer the lowest fees and best exchange rates, outperforming banks and wire transfers.

How fast can I transfer money from Japan to China?

Using apps, transfers can be completed the same day or within 24 hours, while banks typically take 1–3 business days.

Can I send money directly to a Chinese bank account?

Yes. Platforms like Pandaremit allow direct RMB deposits to Chinese bank accounts.

Which apps are recommended for Japanese users?

Pandaremit and a few other licensed digital platforms provide fast, low-fee, and convenient transfers.

Is it safe to use digital remittance apps from Japan?

Yes. Ensure the platform is regulated and compliant with KYC and AML standards, like Pandaremit.

For a broader guide to global transfers, see:
👉 Best Ways to Send Money to China