4.3/5 from 233,515 reviews

Send money using PayID

Send money using PayID from our website or mobile app, in just a few clicks. Join over 10 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 10 million customers

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FCA regulated

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You send exactly

0 AUD
14.62 AUDOur fee
–
14.62 AUDTotal fees
=
985.38 AUDTotal amount we’ll convert
×
4.8101

Recipient gets

Should arrive in seconds

Get started

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 AUD with	Recipient gets(Total after fees)
	4,778.11 CNY
Transfer fee 0 AUD Exchange rate(1 AUD CNY) 4.77811 Exchange rate markup 6.65 AUD Cost of transfer 6.65 AUD

	4,739.77 CNY- 38.34 CNY
Transfer fee 14.62 AUD Exchange rate(1 AUD CNY) 4.81009 Exchange rate markup 0 AUD Cost of transfer 14.62 AUD

	4,670.21 CNY- 107.90 CNY
Transfer fee 0 AUD Exchange rate(1 AUD CNY) 4.67021 Exchange rate markup 29.08 AUD Cost of transfer 29.08 AUD

	4,588.82 CNY- 189.29 CNY
Transfer fee 15 AUD Exchange rate(1 AUD CNY) 4.65870 Exchange rate markup 31.47 AUD Cost of transfer 46.47 AUD

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How to send money using PayID in 3 easy steps

Enter amount to send in AUD

Pay in AUD using PayID.

Choose recipient

Select who you want to send money to and which pay-in method to use.

Send AUD using PayID, receive CNY

The recipient gets money in CNY directly from Wise’s local bank account.

Create free account now

What is PayID money transfer?

Making a PayID money transfer means no need to request or dig out a BSB or account number - you’ll just need your unique Wise PayID email, which you’ll see when you set up your payment.

To make a PayID money transfer with Wise you’ll need to have an account with a bank which supports PayID as a payment option. You may also be asked by your bank to verify your first Wise PayID payment. This should just mean responding to a call or SMS - and is all part of your bank’s process to keep your account, and your money, safe.

Learn more about using PayID transfers.

Online money transfer fees

How much does it cost to send money using PayID?

To send money using PayID with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

How long does a money transfer using PayID take?

A money transfer using PayID (AUD-CNY) should arrive by Friday 02:00. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

AUD

CNY

Should arrive

by Friday 02:00

Trust Wise with safe & secure money transfers

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
Read our reviews at Trustpilot.com.

Good application for international students

Muhammad Abubakar

Thank you so much wise team. I love this service its the best for business owners and also for solo trade that travels around the world it's the quick…

Ali lakhdim

So convenient and easy to use. As an example, I had just arrived overseas and was in queue at a coffee shop. Realised I had not converted any money…

Mark Maclean

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