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How to transfer money outside of China with Alipay

Alipay handles majority of financial transactions for the Chinese population. As a foreigner, is it possible to use Alipay to send money home? And if so, how to do it? Sending money home from China can be confusing and difficult. This guide will help you to do it


With Alipay, sending money home is easy and you can do it all with a smartphone over a few simple steps. But before that, you should know about few things:

  1. Alipay only allows Chinese citizens to send money through the app. So you need to ask a Chinese friend to help you with the transfer.
  2. The maximum amount of money you can transfer with one wire is 30,000 RMB. You are allowed to up two international transfers a day with a maximum total of 60,000 RMB.
  3. Alipay charges you 50 RMB per transfer and you will also be charged a fee upon receipt by the recipient bank.
  4. Chinese citizens are limited to sending a maximum of $50,000 USD overseas annually.

Step 1: International Transfer Function in Alipay

First, from the home menu, select the more options button.


Second, select the Shanghai Bank international wire button.


Lastly, push the blue button below to proceed for the international transfer.


Step 2: Entering Recipient Banking Information

Once you select the bank, the SWIFT code auto-fills. Below the SWIFT code, enter the routing number and the recipient’s bank account number.

Step 3: Entering Sender’s Information in Alipay

You need to select a reason for the transfer. In this example, I selected personal travel as there is no option for helping out foreign friends sending money home.

Step 4: Terms and Conditions

After filling out the sender’s information, you will be direct to a terms and conditions page where you need to review the terms of the transfer before proceeding.

Step 5: Submit the Transfer

Before submitting the wire transfer, Alipay asks follow-up questions based on what is listed for the reason for the transfer.

Final Thoughts

Prior to sending money home with Alipay, check to ensure all the information on the recipient end is correct. If listed incorrectly, you will still get docked all the transfer fees from Bank of Shanghai and the recipient bank to get the money back.

It also couldn’t hurt to do a practice transfer with a small amount. You can also save the recipient information in Alipay making it much easier to send money home the second time around.

Have you sent money internationally using Alipay before? Share your experience in the comments below!

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  • It seems that the amount of the transfer has been changed. I tried to transfer money yesterday and it lets me just for 17000 RMB transfer, not 30000 RMB

    • Hi, Can you please provide me the screenshots of transfer procedure for reference purpose. I want to get it done through one of my Chinese friend.

  • The limit transfer is about 2500 USD and money goes really fast. I transfered on Monday and Tuesday was on my account in the European bank. I think it’s worth to have the dollar account so you don’t loose money on exchanging 2 times.

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