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How can I use the Alipay app to transfer money into a non-Chinese bank account?

Transferring money from China to a foreign account in person can be a real pain, requiring much form-filling and waiting in lines. Thankfully, the online Alipay system – think of it like China’s PayPal – makes the process a lot easier. However, in order to make such a transfer, Alipay requires users to have a Chinese ID, which means only foreigners with Chinese D Visas (aka ‘Chinese Green Cards‘) can use it. Here’s how those lucky folks can use the app. Everyone else looking to move money out of the country can try one of these methods.


Step-by-step guide

1. Open the Alipay app.

2. Press the “Alipay” button, then “More.”


A: Alipay

B: More


3. On the next page, tap “International Transfer” to enter the international payment page.


A: “International Transfer”


4. You will then have two choices: “Transfer money abroad immediately” and “Invite others to pay money abroad,” which will allow your family members or friends to make transfers through your phone.


A.”Transfer money abroad immediately”

B.”Invite others to pay money abroad” 



5. Fill in the transfer information of the receiving bank account. If you are using Alipay to send money overseas for the first time, follow the instructions below; otherwise, jump to step 7. 


A: “Receiving bank account”

B: Receiver’s name

C: Receiver’s nationality

D: Receiver’s address

E: Receiving bank

F: Receiving bank account

H: “Next”


6. Check whether the receiver’s country available in Alipay by tapping C in Step 4. This will bring up a drop-down menu of the country or regions to which you can transfer money via Alipay. Now jump to Step 8.



7. If you have used Alipay Purse to remit money overseas before, the following instructions are for you. The sample picture below shows five bank accounts that have been paid into before, including the receiver’s name and nationality, the receiver’s bank account and receiving bank’s SWIFT code.


A: Choose a receiving bank account

B: Start a new receiving bank account


8. Continue to fill in detailed payment information.


A: “Payment information”

B: Currency type

C: Amount

D: Purpose

E: Postscript

F: “Next”


9. The next screen will allow you to check the details of your payment information before continuing. Once you’ve tapped the confirm button, you only need to key in your payment password to finish the transfer.


A: “Receiving bank account”

B: Receiver’s name and nationality

C: Receiving bank’s SWIFT code

D: “Payment information”

E: Amount in target currency; below is the exchanged amount in yuan and the currency exchange rate.

F: Remittance fee

G: Total amount of money in yuan 

H: “Confirm payment information and pay”

Notice: The money you pay will reach the receiver’s bank account in three-to-five working days; do call them to make sure that the money has arrived. 


International payment fees when using Alipay Purse



Minimum fee (Cable charge included)

Maximum fee (Cable charge included)

Up to and including 100,000 yuan

0.06 percent

                70 yuan

120 yuan

100,001 yuan or more

0.08 percent

                140 yuan

260 yuan

Payment fee = Amount paid x Rate + 60 yuan cable charge
The payment fee is charged by Alipay to cover bank fees within China; fees charged by the receiving bank must be paid by the receiver.


International payment limit

Payment method

Both smartphone app and via website

From Alipay balance

350,000 yuan per payment/per month (based on currency exchange rate over $50,000).

From Alipay’s Yu’ebao short-term saving service

50,000 yuan per payment/per day; 200,000 yuan per month.

Fast payment of bank card

Up to bank’s set limit.

Online bank

350,000 yuan per payment/per month (based on currency exchange rate over $50,000).

Notice: You can pay money only in yuan if you use Alipay Purse to transfer money overseas.


Useful Chinese words and phrases


guójì huìkuǎn 

International payment





shōukuǎn zhànghù 

Receiving bank account


shōukuǎn yínháng 

Receiving bank


huìkuǎn rén 







Currency exchange rate



Remittance fee



Remittance fee rate


huìkuǎn xiàn’é 

Remittance limit


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2 Responses to How can I use the Alipay app to transfer money into a non-Chinese bank account?

  • Im experiencing a big problem with alipay right now unfortunately.
    I was sent money on august 10th, from alipay in china, that was supposed to go directly into my bank account in canada.
    So far it’s been 17 days without a word as to whats happening, and the fee has already been taken out of the account.

    The banking information on both sides was correct but im wondering why it’s taking so long, Im worried that everything has been lost.
    Any information would be greatly appreciated.
    Thank you in advance.

  • There is an option a person without Chinese permanent residency/citizenship can explore through Alipay… That is if you have a registered business use that to apply for a offshore business Alipay account which allows you to “collect” money from Chinese “customers”.

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