How to Send Money to China with Panda Remit (Step by Step 2026)

To send money to China with Panda Remit: create your account, verify your identity, enter the amount, add your recipient's Chinese bank account (or wallet), review the rate and fee, pay from your bank or card, and confirm. Panda Remit is built for the China corridor with competitive rates and lets you track the transfer.
Quick answer: To send money to China with Panda Remit: create your account, verify your identity, enter the amount, add your recipient's Chinese bank account (or wallet), review the rate and fee, pay from your bank or card, and confirm. Panda Remit is built for the China corridor with competitive rates, and lets you track the transfer.

Panda Remit is one of the go-to apps for sending money to China — it was built around this corridor, so it tends to have competitive rates and smooth delivery to Chinese bank accounts. Here's how to send, step by step.

Before you start: what you'll need

  • Your recipient's Chinese bank details (name as it appears on the account, and account/UnionPay number), or their supported wallet details.
  • Your payment method: bank account (usually cheapest) or debit/credit card.
  • Your ID to verify your account when you sign up.

Step by step

  1. Create your Panda Remit account (app or website) and verify your identity — a normal step for money transfers.
  2. Tap "Send" and enter how much you want to send.
  3. Choose China and see the rate and how much your family will receive in CNY.
  4. Pick how they receive — usually a bank deposit (UnionPay / a Chinese bank).
  5. Add your recipient's details (exact name + account). Double-check they match.
  6. Choose your payment method and confirm.

How to know when it arrives

Panda Remit gives you a tracking status and an estimated time. Many transfers to China arrive quickly; some take up to a business day, depending on the bank and how you paid.

A note on cost

Compare the final yuan your family receives — not just the fee. Panda Remit is usually very competitive on the China corridor, but it's always worth checking against Wise on your exact amount (we compare them in Panda Remit vs Remitly and cover China more broadly in Send money to China). Pay from your bank account or card — it's cheaper and keeps you clear of the 2026 1% US cash-remittance tax (digital transfers are exempt).

Frequently asked questions

Is Panda Remit good for sending to China?

Yes — it was built around the China corridor, with competitive rates and delivery to Chinese bank accounts. Compare the final yuan against Wise on your amount.

How long does it take to reach China?

Many transfers arrive quickly; some take up to a business day depending on the bank and your payment method. Panda Remit shows an estimate and lets you track it.

Can I send to Alipay or WeChat Pay?

Panda Remit focuses on bank deposits and some wallet options. For direct Alipay/WeChat delivery, Western Union and Xoom are also options — see our China guide.

Do I need my recipient's exact details?

Yes: their name exactly as on the account plus the account/UnionPay number. If anything doesn't match, the transfer can be delayed.

How much does it cost?

A small, competitive fee plus the exchange rate. Panda Remit shows you the final amount your family receives before you confirm — compare that number.

Reference information verified in July 2026. Fees, rates and times change and vary by amount and payment method. Always confirm the exact cost and how much your family will receive inside the app before sending.