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You'll need the recipient's ",{"_key":1509,"_type":860,"marks":1510,"text":1512},"k281",[1511],"k275","SWIFT\u002FBIC code",{"_key":1514,"_type":860,"marks":1515,"text":1516},"k282",[],", account number and name, the receiving bank's address, and a stated purpose for the transfer.",[1518],{"_key":1511,"_type":881,"externalUrl":1519,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Funderstanding-swift-code",{"_key":1521,"_type":856,"children":1522,"markDefs":1540,"style":885},"k294",[1523,1527,1531,1536],{"_key":1524,"_type":860,"marks":1525,"text":1526},"k290",[991],"Cost",{"_key":1528,"_type":860,"marks":1529,"text":1530},"k291",[],": Fees vary by bank (full comparison below), but as a rule of thumb, online transfers run about HK$65–130, while branch transfers cost HK$210–260. Some transfers also pass through an ",{"_key":1532,"_type":860,"marks":1533,"text":1535},"k292",[1534],"k286","intermediary bank",{"_key":1537,"_type":860,"marks":1538,"text":1539},"k293",[],", which can tack on extra charges depending on the receiving bank's arrangements.",[1541],{"_key":1534,"_type":881,"externalUrl":1542,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fwhat-is-an-intermediary-bank",{"_key":1544,"_type":856,"children":1545,"markDefs":1554,"style":885},"k300",[1546,1550],{"_key":1547,"_type":860,"marks":1548,"text":1549},"k298",[991],"Limits",{"_key":1551,"_type":860,"marks":1552,"text":1553},"k299",[],": RMB wires can only go to an account in your own name, capped at RMB 80,000 a day. If you send in HKD instead, the recipient converts it on the mainland side, a setup with its own, slightly different limit calculation (more on this in the RMB-vs-HKD section below).",[],{"_key":1556,"_type":856,"children":1557,"markDefs":1566,"style":885},"k306",[1558,1562],{"_key":1559,"_type":860,"marks":1560,"text":1561},"k304",[991],"Best for",{"_key":1563,"_type":860,"marks":1564,"text":1565},"k305",[],": Individuals making regular, larger transfers to their own mainland account, or businesses handling compliant transfers through an existing banking relationship.",[],{"_key":1568,"_type":856,"children":1569,"markDefs":1574,"style":980},"k310",[1570],{"_key":1571,"_type":860,"marks":1572,"text":1573},"k309",[],"Option 2: Payment Connect (launched June 2025)",[],{"_key":1576,"_type":856,"children":1577,"markDefs":1585,"style":885},"k316",[1578,1581],{"_key":1579,"_type":860,"marks":1580,"text":1207},"k314",[991],{"_key":1582,"_type":860,"marks":1583,"text":1584},"k315",[]," is a joint initiative between the Hong Kong Monetary Authority (HKMA) and the People's Bank of China, opened to the public in June 2025. It links Hong Kong's Faster Payment System (FPS) with the mainland's Internet Banking Payment System (IBPS), letting users on either side send money instantly through their mobile banking app without needing to pay a bank.",[],{"_key":1587,"_type":856,"children":1588,"markDefs":1597,"style":885},"k322",[1589,1593],{"_key":1590,"_type":860,"marks":1591,"text":1592},"k320",[991],"Why it stands out",{"_key":1594,"_type":860,"marks":1595,"text":1596},"k321",[],": No same-name requirement, so you can send to any mainland individual; available 24\u002F7 with instant settlement; fee waivers during the current promotional period across participating banks, including HSBC, Bank of China (Hong Kong), and Hang Seng; and you only need a phone number or account number to identify the recipient, no SWIFT code required.",[],{"_key":1599,"_type":856,"children":1600,"markDefs":1616,"style":885},"k332",[1601,1604,1608,1612],{"_key":1602,"_type":860,"marks":1603,"text":1549},"k328",[991],{"_key":1605,"_type":860,"marks":1606,"text":1607},"k329",[],": HK$10,000 per person per day, HK$200,000 per year (calculated per participating institution). This limit runs ",{"_key":1609,"_type":860,"marks":1610,"text":1611},"k330",[991],"independently",{"_key":1613,"_type":860,"marks":1614,"text":1615},"k331",[]," of the RMB 80,000 same-name cap, so you can use both in parallel. It's currently geared toward person-to-person payments tuition, medical bills, utility payments rather than business-to-business transactions, though businesses can receive payments sent by individuals.",[],{"_key":1618,"_type":856,"children":1619,"markDefs":1627,"style":885},"k338",[1620,1623],{"_key":1621,"_type":860,"marks":1622,"text":1503},"k336",[991],{"_key":1624,"_type":860,"marks":1625,"text":1626},"k337",[],": Open your banking app, select \"Payment Connect\" or \"Transfer to Mainland China,\" enter the recipient's phone number or account number, confirm the amount and exchange rate, and you're done. The app displays part of the recipient's name for verification before you confirm.",[],{"_key":1629,"_type":856,"children":1630,"markDefs":1638,"style":885},"k344",[1631,1634],{"_key":1632,"_type":860,"marks":1633,"text":1561},"k342",[991],{"_key":1635,"_type":860,"marks":1636,"text":1637},"k343",[],": Small, recurring payments, supporting family back home, or covering a student's tuition and living costs.",[],{"_key":1640,"_type":856,"children":1641,"markDefs":1654,"style":885},"k353",[1642,1646,1651],{"_key":1643,"_type":860,"marks":1644,"text":1645},"k350",[],"For a deeper walkthrough, see our ",{"_key":1647,"_type":860,"marks":1648,"text":1650},"k351",[1649],"k346","guide to cross-border FPS transfers",{"_key":1652,"_type":860,"marks":1653,"text":1052},"k352",[],[1655],{"_key":1649,"_type":881,"externalUrl":1656,"linkType":359},"https:\u002F\u002Fwww.aspireapp.com\u002Fhk\u002Fblog\u002Fcross-border-fps",{"_key":1658,"_type":856,"children":1659,"markDefs":1664,"style":980},"k357",[1660],{"_key":1661,"_type":860,"marks":1662,"text":1663},"k356",[],"Option 3: BoC Speed Remit (a dedicated fast channel)",[],{"_key":1666,"_type":856,"children":1667,"markDefs":1672,"style":885},"k361",[1668],{"_key":1669,"_type":860,"marks":1670,"text":1671},"k360",[],"BoC Speed Remit is a proprietary fast-transfer service from Bank of China (Hong Kong), built for sending money to Bank of China group banks on the mainland including Bank of China itself, Nanyang Commercial Bank, and Chiyu Banking Corporation.",[],{"_key":1674,"_type":856,"children":1675,"markDefs":1691,"style":885},"k371",[1676,1679,1683,1687],{"_key":1677,"_type":860,"marks":1678,"text":1592},"k367",[991],{"_key":1680,"_type":860,"marks":1681,"text":1682},"k368",[],": It's ",{"_key":1684,"_type":860,"marks":1685,"text":1686},"k369",[991],"fee-free",{"_key":1688,"_type":860,"marks":1689,"text":1690},"k370",[],", settles quickly, and skips the usual SWIFT paperwork entirely. For anyone banking with BOC on both sides of the border, it's one of the cheapest options available.",[],{"_key":1693,"_type":856,"children":1694,"markDefs":1702,"style":885},"k377",[1695,1698],{"_key":1696,"_type":860,"marks":1697,"text":1549},"k375",[991],{"_key":1699,"_type":860,"marks":1700,"text":1701},"k376",[],": Only works between BOC group banks, you can't use it to send to ICBC, China Construction Bank, or China Merchants Bank, for example. RMB transfers still follow the same-name rule, and the standard RMB 80,000 daily cap applies.",[],{"_key":1704,"_type":856,"children":1705,"markDefs":1713,"style":885},"k383",[1706,1709],{"_key":1707,"_type":860,"marks":1708,"text":1561},"k381",[991],{"_key":1710,"_type":860,"marks":1711,"text":1712},"k382",[],": Existing BOC Hong Kong customers sending to a BOC-network bank on the mainland. If the receiving bank falls outside that network, you'll need a standard wire instead, our Bank of China wire transfer guide covers how that compares.",[],{"_key":1715,"_type":856,"children":1716,"markDefs":1721,"style":980},"k387",[1717],{"_key":1718,"_type":860,"marks":1719,"text":1720},"k386",[],"Option 4: E-Wallets (AlipayHK \u002F WeChat Pay HK)",[],{"_key":1723,"_type":856,"children":1724,"markDefs":1729,"style":885},"k391",[1725],{"_key":1726,"_type":860,"marks":1727,"text":1728},"k390",[],"Both AlipayHK and WeChat Pay HK support cross-border transfers to the mainland, and unlike bank wires, they allow transfers to accounts that aren't in your own name, generally limited to relatives. 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Payment Connect and e-wallets typically settle ",{"_key":2740,"_type":860,"marks":2741,"text":2742},"k906",[991],"instantly",{"_key":2744,"_type":860,"marks":2745,"text":2746},"k907",[],", 24\u002F7. BoC Speed Remit usually lands within a few hours. A standard SWIFT wire generally takes ",{"_key":2748,"_type":860,"marks":2749,"text":1171},"k908",[991],{"_key":2751,"_type":860,"marks":2752,"text":2753},"k909",[],", depending on the cut-off time and whether an intermediary bank is involved. Submitting after the cut-off, or around a public holiday, can push that timeline out further if you need funds to arrive quickly, Payment Connect or Speed Remit are the better bet.",[],{"_key":2756,"_type":856,"children":2757,"markDefs":2762,"style":980},"k914",[2758],{"_key":2759,"_type":860,"marks":2760,"text":2761},"k913",[],"Can I send money to a friend or family member on the mainland?",[],{"_key":2764,"_type":856,"children":2765,"markDefs":2778,"style":885},"k922",[2766,2770,2774],{"_key":2767,"_type":860,"marks":2768,"text":2769},"k919",[],"A standard RMB bank wire can only go to an account in your own name, you ",{"_key":2771,"_type":860,"marks":2772,"text":2773},"k920",[991],"can't",{"_key":2775,"_type":860,"marks":2776,"text":2777},"k921",[]," send directly to a friend or relative that way. If you need to support family, consider:",[],{"_key":2780,"_type":856,"children":2781,"markDefs":2786,"style":885},"k926",[2782],{"_key":2783,"_type":860,"marks":2784,"text":2785},"k925",[],"(1) Payment Connect, which has no same-name restriction and works for any mainland individual;",[],{"_key":2788,"_type":856,"children":2789,"markDefs":2794,"style":885},"k930",[2790],{"_key":2791,"_type":860,"marks":2792,"text":2793},"k929",[],"(2) e-wallets like AlipayHK or WeChat Pay HK, generally limited to relatives, with a daily cap around RMB 20,000; or",[],{"_key":2796,"_type":856,"children":2797,"markDefs":2802,"style":885},"k934",[2798],{"_key":2799,"_type":860,"marks":2800,"text":2801},"k933",[],"(3) an HKD wire, which some banks permit under specific conditions worth confirming directly with your bank.",[],{"_key":2804,"_type":856,"children":2805,"markDefs":2810,"style":980},"k938",[2806],{"_key":2807,"_type":860,"marks":2808,"text":2809},"k937",[],"Can Payment Connect replace a bank wire entirely?",[],{"_key":2812,"_type":856,"children":2813,"markDefs":2818,"style":885},"k942",[2814],{"_key":2815,"_type":860,"marks":2816,"text":2817},"k941",[],"Not yet, the two serve different purposes. 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If you're using Payment Connect, all you need is the recipient's phone number or account number — no SWIFT code required.",[],{"slug":2844,"title":2845},"payments","Payments",{"_type":144,"alternativeText":2847,"height":145,"url":2848,"width":147},"How to Send Money to China from HK: Step-by-Step Guide","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F5fb889ea170b61a0a4450fc673a7de52\u002Fshared-hk-zh-hk-5fb889ea_cover_shared-cover.jpeg",[2850,2857,2865,2872,2878],{"_key":959,"_type":856,"children":2851,"level":1105,"listItem":2621,"markDefs":2856,"style":885},[2852],{"_key":2853,"_type":860,"marks":2854,"text":2855},"k1",[],"Personal bank transfers are capped at RMB 80,000 a day, and the receiving account must be in your own name.",[],{"_key":2858,"_type":856,"children":2859,"level":1105,"listItem":2621,"markDefs":2864,"style":885},"k5",[2860],{"_key":2861,"_type":860,"marks":2862,"text":2863},"k4",[],"Payment Connect (launched June 2025) has a separate daily cap of HK$10,000, with promotional fee waivers — and it doesn't require the same-name restriction.",[],{"_key":2866,"_type":856,"children":2867,"level":1105,"listItem":2621,"markDefs":2871,"style":885},"k8",[2868],{"_key":965,"_type":860,"marks":2869,"text":2870},[],"A branch wire typically costs HK$210–260; doing it online can cut that by half or more.",[],{"_key":973,"_type":856,"children":2873,"level":1105,"listItem":2621,"markDefs":2877,"style":885},[2874],{"_key":976,"_type":860,"marks":2875,"text":2876},[],"Sending in HKD versus RMB changes your cost structure entirely, the right choice depends on what you're using the money for.",[],{"_key":2879,"_type":856,"children":2880,"level":1105,"listItem":2621,"markDefs":2885,"style":885},"k14",[2881],{"_key":2882,"_type":860,"marks":2883,"text":2884},"k13",[],"Business remittances follow a completely different rulebook, with no same-name restriction but heavier documentation requirements.",[],[2887,2893],{"_key":959,"_type":856,"children":2888,"markDefs":2892,"style":885},[2889],{"_key":2853,"_type":860,"marks":2890,"text":2891},[],"Picking the wrong channel to send money from Hong Kong to mainland China can quietly cost you thousands of dollars a year in fees. And it's an easy mistake to make, because most people default to whatever their bank offers without checking if there's a cheaper, faster option sitting right there in their banking app.",[],{"_key":2858,"_type":856,"children":2894,"markDefs":2898,"style":885},[2895],{"_key":2861,"_type":860,"marks":2896,"text":2897},[],"This guide walks through all five channels, the regulatory rules that catch people off guard, a full fee comparison across Hong Kong's major banks, and the real cost difference between remitting in RMB versus HKD. By the end, you'll know exactly which option fits your situation whether that's a monthly transfer to family, a supplier payment, or payroll for a mainland-based hire.",[],"2026-07-09T00:00:00.000Z",{"_type":139,"metaDescription":2901,"metaTitle":2847,"socialShareImageUrl":2902},"Master cross-border transfers from HK to Mainland China. 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