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Cross-border Remittance
Home>Services & Products>Cross-border Remittance

MoneyExpress is a cross-border remittance service that has been launched in 45 countries and regions including the US, Japan, Singapore, Australia, the UK, Russia, the UAE and Kyrgyzstan. Cooperating institutions include banks like CIBC and IBK and specialized institutions like MoneyGram, XOOM, and Transferwise. Through these institutions’ offline outlets, official websites, and mobile APP, individuals outside Mainland China can easily make cross-border remittance to UnionPay cards issued by 13 banks in China, including ICBC, BOC, China Construction Bank, Bank of Communications, China Everbright Bank, and Hua Xia Bank. Domestic cardholders can get remittance in RMB and then can make purchases or withdraw cash; they do not have to get a solution pay or settle foreign exchange.

Different from the traditional cross-border telegraphic transfer, MoneyExpress settles the exchange rate in advance and deposit the remittance into the remittee’s UnionPay account in RMB. Therefore, the payee does not need to get a solution pay or pay the bank service fee; she/he can use the money directly. In general, the remittance is deposited into the payee’s account within 12 hours.


Sending institutions that support this service are as follows:



Service channels


The US,Japan,Australia and other countries and regions. (For details, please refer to MoneyGram’s public notice.)

1.Official ebsites
2.Offline outlets (including branch outlets and other cooperative outlets)


The US

1.Official websites
2.Mobile APP


Countries and regions including the UK and France. (For details, please refer to Transferwise’s public notice.)

1.Official websites
2.Mobile APP

Canadian Imperial Bank of Commerce


1.Official websites

2.Mobile APP


4.Branch outlets


The Philippines

Branch outlets



Offline outlets (including branch outlets and other cooperative outlets)

Russky Slaviansky Bank

Branch outlets

Light Bank

Branch outlets



Branch outlets



Offline outlets (including branch outlets and other cooperative outlets)


South Korea


2.Branch outlets


Domestic receiving institutions of Mainland China that support MoneyExpress are as follows:


Debit card

Credit card

Industrial and Commercial Bank of China Limited

Bank of China

China Construction Bank


Bank of Communications


China Everbright Bank


Hua Xia Bank


Harbin Bank


Bank of Shanghai


Linshang Bank


Hunan Rural Credit Cooperative


Qinghai Rural Credit Cooperative


Guangdong Rural Credit Cooperative


Henan Rural Credit Cooperative