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Moneyexpress is a convenient cross-border remittance service provided by UnionPay. It has been offered in more than 57 countries and regions such as the United States, Japan, Singapore, Australia, the United Kingdom, Russia, Canada, South Korea, UAE, and Hong Kong. Cooperation institutions include 18 local banks such as CIBC of Canada, Woori Bank of South Korea, BOC Hong Kong, HSBC of Singapore and Russian Standard Bank of Russia, as well as 20 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 cards of 45 national and local banks, including industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank of China, Bank of communications, 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 |
PaySend | The UK, Russia | 1.Official websites 2.Mobile APP |
Wise | Countries and regions including the UK and France. (For details, please refer to Wise’s public notice.) | 1.Official websites 2.Mobile APP |
Canadian Imperial Bank of Commerce | Canada | 1.Official websites 2.Mobile App 3.ATM 4.Branch outlets |
MoneyGram | The 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) |
QIWI Bank | Russia | 1.Mobile APP 2.Official websites |
Golden Crown | 1.Mobile APP 2.Official websites | |
Credit Ural Bank | 1.Offline outlets 2.Branch outlets | |
Russian Standard Bank | 1.Official websites 2.Mobile APP | |
Solidamost Bank | 1.Official websites 2.Mobile APP 3.Branch | |
Mifinity | The UK | 1.Official websites 2.Mobile APP |
GuavaPay | 1.Official websites 2.Mobile APP | |
CITI Europe | Europe | Mobile APP |
KB Card | South Korea | Mobile APP |
Woori Bank | Branch outlets | |
Tranglo | Malaysia | 1.Official websites 2.Mobile APP |
WING | Cambodia | Mobile App |
ABA Bank | Mobile APP | |
AMK Finance | 1.Official websites | |
Geoswift | Hong Kong SAR | Official websites |
Bank of China (Hong Kong)Limited | 1.Official websites 2.Mobile APP | |
Easylink | 1.Official websites | |
BOCOM(HK) | Mobile APP | |
Aleta Planet Pte. Ltd. | Singapore | Mobile APP |
HSBC | Mobile APP | |
ZHONGGUO REMITTANCE PTE LTD | Branch | |
ABC Bank | Mauritius | 1.Official websites 2.Mobile APP |
Rawbank | The Democratic Republic of the Congo | 1.Official websites 2.Mobile APP |
Vista Bank | Sierra Leone、Gambia | 1.Official websites |
SBI | Japan | 1.Official websites 2.Mobile APP |
Japan Remit Finance | 1.Official websites 2.Mobile APP 3.Branch | |
CB International Bank | Puerto Rico | 1.Official websites 2.Mobile APP |
Sberbank Kazakhstan | Kazakhstan | Mobile APP |
UzPSB | Uzbekistan | 1.Official websites |
MTB | Ukraine | Mobile APP |
Dushanbe City Bank | Tajikistan | 1.Official websites |
OmiPay | Australia | Mobile APP |
Vista Bank | Sierra Leone、Gambia | 1.Official websites |
WorldCom | Israel | Cooperative desks |
Domestic receiving institutions of Mainland China that support MoneyExpress are as follows:
|
Issuers |
Debit card |
Credit card |
|
Industrial and Commercial Bank of China Limited |
√ |
√ |
|
Bank of China |
√ |
√ |
|
China Construction Bank |
√ |
× |
|
Agriculture Bank of China |
√ |
× |
|
Bank of Communications |
√ |
× |
|
China Everbright Bank |
√ |
× |
|
Hua Xia Bank |
√ |
× |
|
Harbin Bank |
√ |
× |
|
Bank of Shanghai |
× |
√ |
|
Fujian Rural Credit Cooperative |
√ |
× |
|
Linshang Bank |
√ |
× |
|
Hunan Rural Credit Cooperative |
√ |
× |
|
Qinghai Rural Credit Cooperative |
√ |
× |
|
Guangdong Rural Credit Cooperative |
√ |
× |
|
Henan Rural Credit Cooperative |
√ |
× |
|
Bank of Inner Mongolia |
√ |
× |
|
Wuhan Rural Commercial Bank |
√ |
× |
|
Shanxi Rural Credit Union |
√ |
× |
|
Bank of Hainan |
√ |
× |
|
Guangxi Beibu Gulf Bank |
√ |
× |
|
Guilin Bank |
√ |
× |
|
Bank of Chengdu |
√ |
× |
|
Bank of Zhengzhou |
√ |
× |
|
Shenzhen Baoan Guiyin Rural Bank |
√ |
× |
|
Shenzhen Rural Commercial Bank |
√ |
× |
|
Jinshang Bank |
√ |
× |
|
Guangzhou Rural Commercial Bank |
√ |
× |
|
Hubei Bank |
√ |
× |
|
Bank of Ningxia |
√ |
× |
|
Liaoshen bank |
√ |
× |
|
Bank of ChongQing |
√ |
× |
|
Bank of Qingdao |
√ |
× |
|
Chang'an Bank |
√ |
× |
|
Fudian BANK |
√ |
× |
|
Bank OF Guiyang |
√ |
× |
|
Jilin Rural Credit Bank |
√ |
× |
|
Bank of Dalian |
√ |
× |
|
Ordos Bank |
√ |
× |
|
Haikou United Agricultural and Commercial Bank |
√ |
× |
|
Bank of Dalian |
√ |
× |
|
HuiShang Bank |
√ |
× |
|
Tianjin Jincheng Bank |
√ |
× |
|
Bank of Urumqi |
√ |
× |
|
Changchun Chaoyang Herun Village Bank |
√ |
× |
|
Bank of Zhangjiakou |
√ |
× |