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
Today's indicative rate 1 NZD = 3.55 CNY · NZ$6.50 fee on NZ$100 · Delivery time: a few minutes
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. Built for people sending money from New Zealand to China.
Rewards you earn: a welcome rate on your first NZD 500 on top of our live NZD→CNY rate, then cashback that pays your fees on every transfer and steps up the more you send.
Clear fees. Cashback on every transfer.
Unlike promo rates that vanish after transfer #1, your cashback keeps paying your fees — and steps up the more you send.
Live rate · 13 Nov 2026, 12:25 pm Auckland time
1 NZD = 3.55 CNY
Last 17 days, one point per day
Indicative — see the live rate in the app
What arrives in China
| You send | Fee | They get |
|---|---|---|
| NZ$100 | NZ$6.50 | 332.2 CNY |
| NZ$500 | NZ$8.50 | 1,746.29 CNY |
| NZ$1,000 | NZ$11 | 3,513.9 CNY |
Indicative, at the standard rate. Your exact rate, fee and amount are shown in the app before you confirm.
Registered, safe & DIA-supervised
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Worked examples
What arrives in China
| You send | Fee | Your recipient gets |
|---|---|---|
| NZ$100 | NZ$6.50 | 332.2 CNY |
| NZ$500 | NZ$8.50 | 1,746.29 CNY |
| NZ$1,000 | NZ$11 | 3,513.9 CNY |
Indicative; the rate is confirmed when you send. Your exact rate, fee and the amount your recipient receives are always shown in the app before you confirm.
Today's rate
What 500 NZD sends to China
At today's rate, this is roughly what your recipient in China receives for 500 NZD, before the transfer fee.
Your recipient gets
~ CNY
Indicative example based on a 500 NZD transfer at today's rate. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Sending from New Zealand
Send money from New Zealand to China (NZD to CNY)
Paying in New Zealand dollars
You pay for your transfer in New Zealand dollars (NZD) by card, in the TopRate app. Any charge your payment method adds comes on top of the transfer fee, and your exact total is shown in the app before you confirm.
What your recipient in China gets
Your recipient receives Chinese Yuan (CNY). The NZD you send is converted to CNY, and the app shows the exact CNY amount your recipient gets before you confirm. The worked examples above show what arrives for common NZD amounts at today's quote.
The NZD to CNY rate
Today's indicative rate is 1 NZD = 3.55 CNY. Rates move through the day, and the rate is confirmed when you send.
Sending somewhere else from New Zealand? See every way to send money from New Zealand.
Delivery
How your money reaches China — methods & speed
Delivery time to China: a few minutes. Your exact delivery estimate is shown in the app before you confirm.
Bank deposit
Direct to All major local banks and other major banks
Payout methods
- Bank deposit
Supported banks
- All major local banks
Simple process
How to send money from New Zealand 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, as New Zealand's AML/CFT rules require.
- 3
Enter recipient details
Add your recipient's China bank details.
- 4
Send and track
Confirm and track your NZD to CNY transfer in real time.
Paying for your transfer
Ways to pay from New Zealand
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
Card Payment
Adds NZ$0.50 + 0.5%
Google Pay
Adds NZ$0.50 + 0.5%
Apple Pay
Adds NZ$0.50 + 0.5%
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?
You'll see the delivery estimate for your transfer to China in the app before you confirm, and you can track it until it arrives.
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 and referrals — 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?
Two ways, and they stack: every new customer gets our special rate on their first $500 for 30 days, and you earn cashback as fee credit on every send to China after that.
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. Your special rate to China is a reward you earn, and the cashback and referral credit you build keep paying your TopRate fees on the transfers that follow. 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. Every new customer gets the special rate on their first $500, no referrals needed, and cashback pays your fees on every send to China after that. Referring a friend adds fee credit on top.
TopRate app
Ready to send NZD to China?
Download the app and send in minutes — with our special rate on your first NZD 500. 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.
Trusted across NZ & Australia