International Money Transfer Services to ChinaWe navigate strict currency rulesand customs procedures

International Payments & Logistics in China

Secure and Compliant Cross-Border Operations in One of the World’s Most Controlled Economies

China represents one of the largest and most influential markets globally, with vast international trade flows and growing demand for cross-border financial services. However, unlike liberal financial hubs, China’s system is governed by strict capital controls, centralized currency regulations, and complex customs procedures. Whether sending or receiving international payments or coordinating imports and exports, businesses and individuals must comply with detailed rules imposed by Chinese financial institutions, customs, and tax authorities.

We help international clients, Chinese residents, and foreign companies navigate the complexity of international payments and logistics involving China. From handling bank documentation to managing customs declarations, we structure each operation to comply with the State Administration of Foreign Exchange (SAFE), the People’s Bank of China (PBOC), and the General Administration of Customs (GACC).

China’s Regulatory Landscape for Cross-Border Transfers

China operates a managed currency regime, meaning that foreign currency inflows and outflows are monitored and often restricted. All foreign exchange transactions must pass through authorized banks, which enforce strict documentation and purpose-verification processes. Large sums, personal remittances, dividends, and service payments are subject to quota limits and require a contract, invoice, or other supporting documents.

Common difficulties include:

• Blocked incoming payments due to vague sender information
• Outbound transfers denied without regulatory registration
• Transfers over USD 50,000/year for individuals triggering investigations
• Export payments held if not matched to customs records

We ensure your financial operations meet all approval criteria by preparing proper documentation, structuring transactions under legal categories, and communicating with local banks and currency bureaus.

Sending Money into China: What You Need to Know

Inbound transfers into China — whether personal, business, or investment-related — are subject to tight review by both commercial banks and SAFE. Personal recipients must show a valid reason, such as family support or salary. Businesses need invoices, contracts, and proof of services or product delivery.

Key restrictions include:

• Foreign exchange accounts must be registered and regulated
• Each payment must match a declared purpose (coded by SAFE)
• Currency conversion (USD/EUR to CNY) is not automatic — only allowed with bank approval
• Foreign investors must file with local authorities to inject capital legally

We assist by:

• Preparing bilingual contracts and transfer declarations
• Structuring income (consulting, investment, etc.) within legal thresholds
• Matching the purpose code with bank and SAFE requirements
• Providing proof-of-relationship or service for personal remittances

Sending Money from China Abroad

Chinese individuals are limited to USD 50,000 per year in foreign exchange conversions for personal use. For corporate transfers (e.g., service fees, overseas purchases), companies must register with SAFE, provide contracts, and show tax clearance where applicable.

Common outbound scenarios include:

• Parents sending tuition and living expenses abroad
• Chinese businesses paying for foreign software or services
• Real estate payments abroad (only allowed under specific conditions)
• E-commerce sellers withdrawing international earnings

Banks may request:

• Copy of ID, tax registration, or business license
• Invoice and contract in Chinese with payment terms
• Evidence that the service was rendered or goods received

We support clients by:

• Filing registration with SAFE for outbound payments
• Drafting documents that comply with China’s legal and banking format
• Managing conversion approvals and wire execution

Importing Goods into China

China’s customs system is digitized but highly detail-oriented. Goods imported into the country are classified under HS codes and assigned duties, VAT, and inspection obligations. Documentation must be complete and match the declared purpose. Delays or seizures are common if goods are misclassified or underdeclared.

To import goods, you must:

• Be a registered importer with a valid customs code
• Submit commercial invoices, packing lists, and certificates of origin
• Use correct HS codes and match them to SAFE codes if tied to payments
• Coordinate inspection, quarantine, and certification for sensitive items

We coordinate this process by:

• Working with licensed Chinese customs brokers
• Verifying tax categories and anticipated costs (duties + VAT)
• Filing cargo information in advance for port clearance
• Handling logistics with bonded zones or free trade areas if applicable

Exporting Goods from China

China is the world’s largest exporter, but exporters still need to navigate regulation and documentation. All exports must be declared digitally, invoices must match payment records, and customs reports must align with financial reports.

Exporters must:

• Hold an export license and customs registration
• Provide VAT invoices and use the electronic customs system
• Coordinate foreign currency settlement with their bank
• Show that they received payment from abroad or have a valid contract

We help exporters:

• Prepare declarations and filing via the Chinese customs portal
• Coordinate cross-border currency receipts with SAFE rules
• Align export documentation with payment purposes to avoid mismatches

Who Uses Our Services in China?

We work with:

• Foreign investors transferring funds into China under capital or service categories
• Chinese freelancers receiving payments from overseas clients
• Businesses managing import/export operations or digital services
• Cross-border e-commerce sellers needing payment structuring and tax support
• Families sending or receiving legal remittances

Step-by-Step Process for China

1. Assessment: Define the nature of the transaction (type, size, counterparties)
2. Documentation: Prepare bilingual contracts, invoices, and legal forms
3. Registration: Coordinate SAFE filings, tax clearance, and customs codes
4. Execution: Complete the transfer or shipment legally and efficiently
5. Reporting: Align with local institutions (banks, tax offices, customs)

Key Barriers We Help Overcome

• Transfers rejected by banks for lack of documentation
• SAFE blocks on exceeding annual limits or unclear purpose codes
• Customs penalties for inaccurate declaration of goods
• Delayed payments for exports due to mismatched financial and customs data

Working with Chinese Institutions

We interface with:

• SAFE (State Administration of Foreign Exchange) — for capital and FX flows
• PBOC (People’s Bank of China) — for monetary policy and payment compliance
• GACC (General Administration of Customs) — for all import/export declarations
• Chinese commercial banks — ICBC, Bank of China, CCB, etc.

Why Clients Choose Us for China

• Full compliance structuring for any transaction or cargo
• Bilingual document support (English + Mandarin)
• Coordination with Chinese banks and customs brokers
• Clear audit trail for reporting, tax, and legal defense

Get Started with International Operations in China

Whether you're receiving funds, sending money, importing inventory, or exporting goods — we help you do it legally and efficiently. Our services include:

• Transfer documentation and bank liaison
• SAFE registration and quota management
• Customs preparation and clearance coordination
• Tax declaration and reporting support

Let us structure your international payment and logistics activity in China — and keep your operation safe, smooth, and fully compliant.