How to buy Chinese yuan (CNY) online

Learn how to get the best value when buying renminbi.

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One of the easiest and most cost-effective ways of buying foreign currency is to order online and get it delivered to your door, or to order online and then pick it up in-store.

This guide explains where you can buy CNY in cash online and how to find the best rates when you do.

Quick guide: How to buy CNY online in 4 easy steps

  1. Compare the rates at different services and look for any fees which may apply.
  2. Choose the option that's best for you and then specify a pick-up or delivery location.
  3. Provide any details necessary and make your payment.
  4. Collect your CNY.

How buying foreign currency works

Compare online currency exchange services

Name Product Description Minimum Order Amount Maximum Order Amount Delivery/Pickup Method Commission Fees
Travelex Foreign Currency
Travelex makes it easy to exchange and get the best rate on over 40 currencies so you can be prepared for your next holiday.
$500
$5,000
In Store or At Airport
$0
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Compare up to 4 providers

Where's the best place to buy Chinese yuan?

The best place to buy depends on your situation. For example, a foreign currency delivery might be cheaper for someone living in the city than in the country. Or, if you don't know exactly how much RMB you'll need, you might get a smaller amount now and then top up at a currency exchange later if needed.

There are four main options to get Chinese yuan as physical cash.

Blue icon of a desktop screen Image: Infogram

Online

Pros

  • Typically the most cost-effective choice
  • Can choose between pick-up or delivery
  • Lets you compare a wider range of options to get the best deal

Cons

  • Requires planning ahead and takes time for the delivery

Blue icon of cash Image: Infogram

In-person at a money changer

Pros

  • It's usually quick and convenient to find a money changer near you
  • Lets you pay with cash or card in person
  • Rates will sometimes be negotiable

Cons

  • Rates can vary widely between different options
  • Comparing options is more difficult in person

Blue icon of a bank Image: Infogram

At a bank

Pros

  • Can often order money online from your bank
  • You may be able to find a wide range of currencies with some banks

Cons

  • Higher fees in comparison to other options will often apply
  • Exchange rates are usually non-competitive compared to smaller currency exchanges

Blue icon of a plane Image: Infogram

At the airport

Pros

  • A convenient option for travellers
  • You can often order online ahead of time for more favourable rates

Cons

  • Will usually be one of the most expensive options

Find out more about travel money when heading to China

What's the exchange rate right now?

Live Rate

= ¥ 4.4678

Refreshing in: 60s | Sun, Dec 05, 05:40PM GMT

Compare money transfer services

If you've decided a money transfer service is the best option for you, you can use the table below to compare what's out there.

If you want to send money to China, enter the details of the transfer into the calculator to see the rates and fees.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 1 day AUD 75.00 4.468 CNY
44,343
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Go to site Show details
AUD 250 1 - 2 days AUD 0.00 4.45 CNY
44,499
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Go to site Show details
AUD 10 Within an hour AUD 2.99 4.419 CNY
44,173
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details
AUD 1 Same day AUD 3.99 4.414 CNY
44,124
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details
AUD 1 1 - 2 days AUD 75.00 4.449 CNY
44,161
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 200 1 - 2 days AUD 50.00 4.455 CNY
44,325
Exclusive: New customers sending over 500 AUD from Australia use code FINDER50 to get 50 AUD off. Pay zero fees on your first transaction. Valid till 31 December 2021. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
Go to site Show details

Compare up to 4 providers


The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.


If you want to transfer money to China, you can learn more about it and what to watch out for in our guide on sending money to China.

Frequently asked questions

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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