Cross-border Remittance
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Moneyexpress is a convenient cross-border remittance service provided by UnionPay. It has been offered in more than 80 countries and regions such as United States, United Kingdom, Japan, France, Germany, Canada, Italy, Russia, Australia, Hong Kong SAR, Brazil, South Korea, Indonesia, Saudi Arabia, South Africa and Turkey. Cooperation institutions include 25 local banks such as CIBC of Canada, Woori Bank of South Korea, BOC Hong Kong, HSBC of Singapore, as well as 34 mainstream remittance institutions such as MoneyGram, Wise, paysend and omipay. Through cooperative desks, official websites, mobile apps and other service channels provided by these institutions, overseas remitters can easily make cross-border remittances to UnionPay debit cards of 79 national and local banks, including industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of communications, China Merchants Bank, China Everbright Bank, Huaxia Bank and Bank of Dalian. Cardholders in China can directly collect the money in RMB to further consume or withdraw to avoid the trouble of 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 handle the payment of remittance or pay the bank service fee; she/he can use the money directly. In general, the remittance is deposited into the payee’s account in real time or within 12 hours.

 

Sending institutions that support this service are as follows:

 

Institution

Region

Service channels

MiFinity UK Limited

UK

1.Mobile App
2.Official websites

PaySend

The European Economic Area (including UK), Canada

1.Mobile App
2.Official websites

Neema Shefa Israel Ltd.

Israel

1.Mobile App
2.Offline Location

S.T.B UNION LTD

1.Mobile App
2.Offline Location

WIC WorldCom Finance Ltd

1.Mobile App
2.Offline Location

Aloft Technology Company Pte Ltd

Singapore

Offline Location

HSBC Bank (Singapore) Limited

1.Mobile App
2.Official websites

Thunderbirds Ventures Private Limited

Official websites

UQPay Technology (SG) Pte. Ltd.

Offline Location

Wotransfer PTE. LTD.

Mobile App

ZHONGGUO REMITTANCE PTE LTD

Offline Location

Bank of Communications ( Hong Kong ) Limited

Hong Kong SAR

Mobile App

Easylink

1.Mobile App
2.Official websites

Geoswift

Official websites

Bank of China (Hong Kong)Limited

Mobile App

Joint Stock Company "Octobank"

Uzbekistan

Branch outlets

Joint-Stock Innovation Commercial Bank “Ipak Yuli”

1.Mobile App
2.Branch outlets

Open Joint Stock Company “Kapitalbank”

1.Mobile App
2.Branch outlets

Public Joint Stock Company “MTB Bank”

Ukraine

1.Branch outlets

LIMITED LIABILITY COMPANY NONBANKING CREDIT ORGANIZATION "VASL"

Tajikistan

1.Mobile App
2.Branch outlets

Open Joint Stock Company “Alif Bank”

1.Mobile App
2.Branch outlets

Opened Joint Stock Company "Bank Eskhata"

1.Mobile App
2.Branch outlets

Japan Remit Finance Co., Ltd.

Japan

1.Mobile App
2.Official websites
3.Branch outlets

Queen Bee Capital Co., Ltd.

1.Mobile App
2.Official websites

SBI Remit Co., Ltd.

1.Mobile App
2.Official websites

Community Federal Savings Bank

US

1.Branch outlets

East West Bank (EWB)

1.Mobile App
2.Official websites
3.Branch outlets

Global Bank

Branch outlets

2C2P (Thailand) Company Limited

Thailand

Mobile App

Tranglo Sdn. Bhd.

Malaysia

Official websites

Acleda Bank Plc.

Cambodia

ATM

Advanced Bank of Asia Ltd.

Mobile App

AMK Microfinance Institution Plc.

Mobile App

Bongloy Payments PLC

Mobile App

PI PAY PLC.

Mobile App

Wing (Cambodia) Limited Specialised Bank

Mobile App

Canadian Imperial Bank of Commerce

Canada

1.Mobile App
2.Official websites
3.Branch outlets

YabandPay B.V.

The SEPA Area (excluding UK)

Mobile App

Hanpass Co.,Ltd.

South Korea

Mobile App

WOORI BANK CO.,LTD

1.Branch outlets
2.Mobile App

ForteBank Joint Stock Company

Kazakhstan

1.Mobile App
2.Official websites
3.Branch outlets

Joint stock company “Bank CenterCredit”

1.Mobile App
2.Official websites
3.Branch outlets

Joint Stock Company “Halyk Savings Bank of Kazakhstan”

1.Mobile App
2.Official websites
3.Branch outlets

«Freedom Bank Kazakhstan» Joint Stock Company

1.Mobile App
2.Official websites
3.Branch outlets

Golden Crown

Russia

1.Mobile App
2.Official websites
3.Offline Location

Avosend

1.Mobile App
2.Official websites

CB International bank LLC

Puerto Rico

1.Official websites
2.Branch outlets

Joint Stock Company “Savings Bank “Belarusbank” (JSC "JSSB Belarusbank")

Belarus

1.Official websites
  2.Branch outlets

Financia Credit, S.A

Panama

Mobile App

Bano Pty Ltd

Australia

1.Mobile App
2.Official websites

EZREMIT PTY LTD

1.Mobile App
2.Official websites

Omipay Global Pty Ltd

Mobile App

Dynamic Payment

Mobile App

Citibank Europe Public Limited Company

The SEPA Area, Singapore, Hong Kong SAR and other countries and regions. (For details, please refer to Citibank’s public notice.)

1.Mobile App
2.Official websites

Al Ansari Exchange LLC

United Arab Emirates

1.Mobile App
2.Offline Location

MoneyGram

UK, Korea, Australia and other countries and regions. (For details, please refer to MoneyGram’s public notice.)

1.Official websites
2.Offline outlets (including branch   outlets and other  cooperative outlets)
3.Mobile APP

Thunes

Hong Kong SAR, Singapore, US, UK, France

Official websites

Wise Payments Limited

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

1. Mobile App
2. Official websites

LianLian

Hong Kong SAR, Singapore, The SEPA Area (excluding UK)

Official websites

 

 

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

 

Issuers

Debit card

Industrial and Commercial Bank of China Limited

Bank of China

China Construction Bank

Agriculture Bank of China

Bank of Communications

Postal Savings Bank of China

China Merchants Bank

China Everbright Bank

China CITIC Bank

Hua Xia Bank

Bank of Shanghai

Bank of Beijing

Linshang Bank

Harbin Bank

Hubei Bank

Guilin Bank

Bank of Chengdu

Bank of Zhengzhou

Bank of Hainan

Guangxi Beibu Gulf Bank

Bank of Ningxia

Liaoshen bank

Bank of Chongqing

Bank of Qingdao

Chang'an Bank

Fudian Bank

Bank of Guiyang

Bank of Dalian

HuiShang Bank

Bank of Tianjin

Tianjin Jincheng Bank

Bank of Urumqi

Bank of Zhangjiakou

Zaozhuang Bank

Bank of Xi'an

Bank of Tangshan

z-bank

Xin An Bank

Bank of Liuzhou

Shanxi Bank

Bank of Changsha

Bank of Jiujiang

Bank of Hunan

Bank of Gansu

Bank of Langfang

Bank of Inner Mongolia

Jinshang Bank

Ordos Bank

Qishang Bank

Wuhan Rural Commercial Bank

Shenzhen Rural Commercial Bank

Guangzhou Rural Commercial Bank

Haikou United Agricultural and Commercial Bank

Guiyang Rural Commercial Bank

Shaoguan Rural Commercial Bank

Dalian Rural Commercial Bank

Chengdu Rural Commercial Bank

Yellow River Rural Commercial Bank

Fujian Rural Credit Cooperative

Hunan Rural Credit Cooperative

Qinghai Rural Credit Cooperative

Guangdong Rural Credit Cooperative

Henan Rural Credit Cooperative

Shanxi Rural Credit Union

Jilin Rural Credit Bank

Hubei Rural Credit Cooperatives

Guizhou Rural Credit Union

Liaoning Rural Credit Cooperatives

Shenzhen Baoan Guiyin Rural Bank

Changchun Chaoyang Herun Village Bank

Heshanzhujiang Rural Bank

Guangdong Puning Huicheng County Bank

Yanji Herun Country Bank

Anji Country Bank

Maoming Changjiang County Bank

Dali Weishang Changjiang County Bank

Baise Jingxi Changjiang County Bank

Huncun Jiyin County Bank

Guangxi Rongshui Liuyin County Bank