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Cross-border Remittance
Home>Services & Products>Cross-border Remittance

UnionPay MoneyExpress is a cross-border remittance service that has been launched in 39 countries and regions including the US, Japan, Singapore, Australia, the UK, Russia, the UAE and Kyrgyzstan. Cooperating institutions include banks like DBS and PNB and specialized institutions like MoneyGram, XOOM, and Transferwise. Through these institutions’ offline outlets, official websites, and mobile APP, individuals outside the Chinese Mainland can easily make cross-border remittance to UnionPay cards issued by 13 banks in China, including ICBC, BOC, China Construction Bank, Bank of Communications, China Everbright Bank, and Hua Xia Bank. Domestic cardholders can get the remittance in RMB and then can make purchases or withdraw cash; they do not have to get a solution pay or settle foreign exchange.

Different from the traditional cross-border telegraphic transfer, UnionPay MoneyExpress will settle the exchange rate in advance and deposit the remittance into the remittee’s UnionPay account in RMB. Therefore, the payee does not need to get a solution pay or pay the bank service fee; she/he can use the money directly. In general, the remittance is deposited into the payee’s account within 12 hours.

Overseas institutions that support this service are as follows:
InstitutionRegionService channels
MoneyGramThe US,Japan,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)
XoomThe US1. Official websites
2. Mobile APP
TransferwiseCountries and regions including the UK and France. (For details, please refer to Transferwise’s public notice.)1. Official websites
2. Mobile APP
AlliedBankThe PhilippinesBranch outlets
ContactRussiaOffline outlets (including branch outlets and other cooperative outlets)
RIBKyrgyzstanBranch outlets
UAExchangeThe UAEOffline outlets (including branch outlets and other cooperative outlets)

Domestic issuers that support this service are as follows:
IssuersDebit cardCredit 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×
Linshang Bank×
Hunan Rural Credit Cooperative×
Qinghai Rural Credit Cooperative×
Guangdong Rural Credit Cooperative×
Henan Rural Credit Cooperative×
Note: Bank of Communications has suspended this service due to its network conditions. Please refer to the Bank’s public notice to know about what time the service will be available.