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 |
|
PaySend |
The European Economic Area (including UK), Canada |
1.Mobile App |
|
Neema Shefa Israel Ltd. |
Israel |
1.Mobile App |
|
S.T.B UNION LTD |
1.Mobile App |
|
|
WIC WorldCom Finance Ltd |
1.Mobile App |
|
|
Aloft Technology Company Pte Ltd |
Singapore |
Offline Location |
|
HSBC Bank (Singapore) Limited |
1.Mobile App |
|
|
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 |
|
|
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 |
|
|
Open Joint Stock Company “Kapitalbank” |
1.Mobile App |
|
|
Public Joint Stock Company “MTB Bank” |
Ukraine |
1.Branch outlets |
|
LIMITED LIABILITY COMPANY NONBANKING CREDIT ORGANIZATION "VASL" |
Tajikistan |
1.Mobile App |
|
Open Joint Stock Company “Alif Bank” |
1.Mobile App |
|
|
Opened Joint Stock Company "Bank Eskhata" |
1.Mobile App |
|
|
Japan Remit Finance Co., Ltd. |
Japan |
1.Mobile App |
|
Queen Bee Capital Co., Ltd. |
1.Mobile App |
|
|
SBI Remit Co., Ltd. |
1.Mobile App |
|
|
Community Federal Savings Bank |
US |
1.Branch outlets |
|
East West Bank (EWB) |
1.Mobile App |
|
|
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 |
|
YabandPay B.V. |
The SEPA Area (excluding UK) |
Mobile App |
|
Hanpass Co.,Ltd. |
South Korea |
Mobile App |
|
WOORI BANK CO.,LTD |
1.Branch outlets |
|
|
ForteBank Joint Stock Company |
Kazakhstan |
1.Mobile App |
|
Joint stock company “Bank CenterCredit” |
1.Mobile App |
|
|
Joint Stock Company “Halyk Savings Bank of Kazakhstan” |
1.Mobile App |
|
|
«Freedom Bank Kazakhstan» Joint Stock Company |
1.Mobile App |
|
|
Golden Crown |
Russia |
1.Mobile App |
|
Avosend |
1.Mobile App |
|
|
CB International bank LLC |
Puerto Rico |
1.Official websites |
|
Joint Stock Company “Savings Bank “Belarusbank” (JSC "JSSB Belarusbank") |
Belarus |
1.Official websites |
|
Financia Credit, S.A |
Panama |
Mobile App |
|
Bano Pty Ltd |
Australia |
1.Mobile App |
|
EZREMIT PTY LTD |
1.Mobile App |
|
|
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 |
|
Al Ansari Exchange LLC |
United Arab Emirates |
1.Mobile App |
|
MoneyGram |
UK, Korea, Australia and other countries and regions. (For details, please refer to MoneyGram’s public notice.) |
1.Official websites |
|
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 |
|
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 |
√ |

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