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Earn your special rate sending to China
Everyone else gives you their rate — you earn yours.
Your family receives more in CNY, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to China from New Zealand — low fees, great rate
Send NZD to CNY at competitive exchange rates, straight from the TopRate app — built for the China community in New Zealand sending money home to family and friends. Trusted by thousands sending money to China.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live NZD→CNY rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live NZD → CNY rate
Rate updated in real time
Your first transfer is free— no fees on your first send to China
4.8App Store4.7Google Play
Real savings, real people
From the China community in New Zealand
Verified
“Transparent fees, a rate that beats my bank, and the money arrives fast. TopRate is the only app I use to send money home now.”
Daniel O.
Sydney, NSW · Verified customer
Fast & flexible delivery
How your money reaches China — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Bank deposit
1-2 business days for bank transferDirect to All major local banks and other major banks
Payout methods
- Bank deposit
- Cash pickup
Supported banks
- All major local banks
Simple process
How to send NZD to China
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's China bank or mobile wallet details.
- 4
Send and track
Confirm and track your NZD to CNY transfer in real time.
Safe & registered
Registered, safe & DIA-supervised
TopRate Transfer is registered on New Zealand's Financial Service Providers Register (FSPR) and supervised for AML/CFT by the Department of Internal Affairs (DIA). Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
How long does it take to send money to China from New Zealand?
Bank transfers to China typically take 1-2 business days. Cash pickup may be available for faster delivery through our partner network. You'll see the exact delivery estimate in the app before you confirm.
What is the NZD to CNY exchange rate?
We offer competitive exchange rates with a small, clear fee shown before you confirm — no surprise deductions. Open the TopRate app to see today's NZD to CNY quote and exactly how much your recipient receives.
How do I send money to China?
Download the free TopRate app, verify your identity, add your recipient's China bank details, and pay. You can track your transfer in real time from start to finish.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is registered on New Zealand's Financial Service Providers Register (FSPR), supervised for AML/CFT by the Department of Internal Affairs (DIA). Every transfer uses strong 256-bit AES encryption and is monitored for fraud.
Is your NZD to CNY rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in China receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to China?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to China holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to China. Referring a friend just accelerates it.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send NZD to China?
Join thousands of happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to China in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
4.8App Store4.7Google Play
FSPR-registered remittance provider256-bit encryption
Trusted across NZ & Australia
Trusted across NZ & AustraliaScan to join