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  • Cross-border Remittance
    Home>Products & Services>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, and Kyrgyzstan.14 cooperating institutions are included. Banks like CIBCKB 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 14 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, and they do not have to handle the payment of remittance and foreign exchange settlement.


    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:



    Service channels


    The UK, Korea, Australia and other countries and regions. (For details, please refer to MoneyGrams public notice.)

    1.Official websites

    2.Offline outlets (including branch outlets and other cooperative outlets)


    The US. Please refer to public notice

    1.Official websites

    2.Mobile APP


    Countries and regions including the UK and France. (For details, please refer to Transferwises 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

    QIWI Bank


    1.Mobile APP

    2.Official websites

    Golden Crown


    Offline outlets

    VRB Bank

    Branch outlets



    Branch outlets


    The UK

    1.Official websites
    2.Mobile APP



    South Korea

    Branch outlets

    Woori Bank



    1.Official websites
    2.Mobile APP



    Mobile App

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



    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


    Fujian Rural Credit Cooperative


    Linshang Bank


    Hunan Rural Credit Cooperative


    Qinghai Rural Credit Cooperative


    Guangdong Rural Credit Cooperative


    Henan Rural Credit Cooperative