WeChat is the one of the popular payment channels in China along with Alipay. It is the most suitable option for expats and foreigners in China as creating WeChat account does not require Chinese ID card. Also, everyone from road side vendors to big shopping malls accept WeChat payment making life easier. Besides vendor payments, you can easily transfer money from your WeChat account to any of your friend’s account. For example, when your Chinese friend pay money for you at the restaurant, you can instantly transfer the amount using WeChat.
In this article let us explain the step by step process of transferring money to another WeChat account.
What You Need for Money Transfer?
Before doing money transfer between WeChat accounts you should have the followings:
- Your own WeChat account. You can download and install WeChat app from any of the mobile app stores.
- You have added the receiver in your account as a friend.
- Verified WeChat Pay account.
- You have added a payment method using your bank card or have sufficient balance in your WeChat Wallet.
Remember, you can’t do international money transfer using WeChat Pay even you have account from other available countries. If someone sends red envelope, you can only use the money in China from your balance to pay vendors or top-up mobile. You need to verify the account with Chinese bankcard in order to transfer the red envelope money to your bank account.
How to Do Money Transfer in WeChat Accounts?
Now let us go through the step by step process.
- First open your WeChat app and choose the friend you want to send money under “Chats” section.
- Once the receiver is selected, tap on the + button next to the input box.
- You will see multiple options and tap on the “Transfer” button.
- On the next screen, enter the amount to be transferred to the selected person.
- You can also enter a note for the receiver to understand the purpose of the money transfer.
- In our example, we enter 6000 RMB and add a note “Insurance”.
- Finally tap on the “Transfer” button.
- WeChat will automatically select the payment mode based on the available balance. If you have sufficient balance in the Wallet then the WeChat balance will be used for payment. Otherwise the connected bank card will be used for the payment.
- If you have multiple cards or want to add a new payment card, then touch the payment option as shown in the above picture.
- You will be seeing all the connected bank cards along with the WeChat balance and the option to add a new card.
- Once the payment mode is finalized, authorize the payment using Face ID or Touch ID or password.
- Now that the money is transferred from your side and you will see a message in the chat section like below. You can tap on the message to view details of the transfer.
- Once the receiver accepts the money transfer, you as a sender will receive a confirmation message. WeChat will also change the previous message from the transfer symbol to the tick mark with the “Accepted” word.
- You can tap on any of the messages to see more details on the time of receipt.
Sending Reminder to Receiver
WeChat will automatically cancel the transaction and return the amount if the receiver did not receive the money within 24 hours. It is possible for you to tap on the chat message or transaction and send a reminder. The reminder will also be received as a chat message by the receiver. Sending reminder helps in case if the receiver forgot to accept the money.
Accepting Money at Receiver Side
- The sender will instantly receive the message on money transfer in his / her WeChat account. The note message entered by you will be shown in the message (we have entered a note “insurance”).
- He / she can tap on the message and accept the money to transfer.
- Receiver will get the transferred amount to his/her WeChat Wallet balance. He/she can either spend the money from the balance or withdraw the money to the bankcard.
Receive Money Without Being Friends
Sometimes, you may go with your friends or colleagues and spend money on-behalf of all. If you know all the people in the group, then use Split Bill option to share the bill with them. If you don’t know the people, then you need to add them as your friend. Alternatively, ask them to send money to your account without adding them as a friend.
Follow the below instructions to receive money from unknown people not in your WeChat contact list.
- Open WeChat and go to “Me > Services > Money” option.
- You will see multiple options under the QR code.
- Tap on “Receive Money” to view another QR code.
- Anyone can scan this “Receive Money” QR code and send money to your WeChat account.
- You can set specific amount by tapping on the “Set Amount” option. Otherwise, the sender can type any amount and send to you.
- Unlike your vendor payment code, “Receive Money” code is permanent and fixed. You can tap on the “Save Image” and save the QR code to your photo library on the phone. If required, you can print out this code and collect money from anyone. This is the way small shop owners collect the money by printing and pasting the “Receive Money” code on the cash counter.
Handling WeChat Payment Failure
If you have any problem in your account, WeChat will stop the payment and will not allow you to send or receive money. This generally happens when you changed the passport or ID card and did not update the details in WeChat Pay. In such a case, you will see an error message like below while trying to transfer the money. Tap on the “View Solution” and update your correct ID card details along with your photo. If everything goes fine, you will be able to transfer the money immediately.
Remember to provide correct source of the fund, especially when you are living in China without a job as a family member. In case if your WeChat account is blocked, learn more on how to unblock the account.
FAQ on WeChat Money Transfer
Well, WeChat enables a very simple way to transfer money to your friends and receive money from anyone. However, remember the followings before sending money to any unknown person.
After you transferred the amount, there are no ways to stop the money transfer. Even the receiver can’t reject the transfer.
The amount will be deducted from your balance or bankcard instantly and the receiver can also accept the money immediately without any delay. However, if the receiver did not accept, the transfer will be in waiting for acceptance status for 24 hours from the time of sent.
WeChat will automatically cancel the payment transaction, if the receiver did not accept the transfer within 24 hours. The sender will receive the amount back in WeChat balance or linked bankcard.
No. There will be no separate receipt or invoice (called fapiao in Chinese) issued for WeChat transfers. So, only use money transfer within your informal friends circle. When you need a fapiao, pay through appropriate channel with the proof.
Avoid using money transfer to personal accounts on shopping malls. Instead show your vendor payment bar code / QR code so that the cashier can scan with the scanner. Go to “Me > Services > Money” section on the app to view your vendor payment code. You can also find the vendor code quickly by tapping the + button on the top right corner of the WeChat app and then tapping “Money” option.
The vendor payment code is valid for one minute and for only once. WeChat will generate a new payment code every time. This is to avoid fraud activities by using the payment code offline.
Yes, and we highly recommend to setup the password for accessing vendor payment code to avoid accidental use.
No. It is possible to transfer the amount to anyone’s bankcard in China if you have verified WeChat Pay setup.
Earlier we noticed there was an option for the payment delay in the settings to send the money instantly, after 2 hours or after 24 hours. However, we do not see this option is available any more.
WeChat records all transaction history of sent and received money for you to check anytime. Go to “Me > Services > Wallet” and tap on “Transactions” showing on top right corner. You can view the items month wise or select the category from the dropdown to view the transactions.
WeChat does not deduct any amount when transferring money to other’s account. However, there is a nominal fee when you want to withdraw the money from Wallet to your bankcard. 1000 RMB is a free withdrawal limit and you need to pay 0.1% for the remaining amount exceeding 1000 RMB.
How can I pay from Africa to China using wechat ?
I want to buy certain things but I don’t know how to send money. Please help out,thank you..
Are you sure you understood what you read because everything is well captured.
im from Philippines. i have boyfriend from china he send me red pocket. and I can’t open it. what will i gonna do to open it?
I live in France, and I have tried many times to binding my visa card on wechat pay without success.
Lately, a chinese friend sent me a money transfer and I’m asked to binding a card once again, but it keeps showing the message “Requested function unavailable. Try again later” It happens like this since 2 weeks, I have no idea what happened. I thought that wechat pay is already available for foreigners who holding the foreign visa/master cards. Can you help me to clarify this issue? Thank you
You can link VISA and MasterCard in WeChat Pay and pay for vendors who accept foreign payments. You can receive the money to your Wallet and spend from the balance. However, in order to transfer the Wallet money in RMB, you need to link China Mainland bankcard and verify real name with phone number. That means, you can’t transfer RMB from Wallet to foreign VISA card. It is only possible to transfer money to local bank account.
Hope this helps.
Please my WeChat stopped sending money but can receive .. I don’t know what the problem is .. I have money on my WeChat pay sent by a friend who want to purchase clothing’s with it and now I can’t transfer out .. HELP
I would like to verify, it the amount did not claim yet and its almost one week, is the money return to the sender? how much the deduction, money was transferred to the Philippines thru wechat send money.
Yes, the money should be returned to sender if not accepted by the receiver. You will get the message when the receiver accepted the money.
hi is it possible that the receiver not yet received the money but deducted in my account ?thank you
Yes, first the amount will be deducted from your account when sending the money. Later, if the receiver did not accept the money, it will be automatically returned back to your account.
Good day I have a question. I opened my wechat in China then I realized when I left China to my country after updating my wechat I noticed the password changed . They now said I have been blocked for entering wrong password, they said I should try the password again after 3 hours. I tried retrieving my password but it’s not possible. I need to remove my money from my wallet am not coming back to China again . I need help.
You can contact WeChat help center to reset your password. This is possible.
However, you can’t withdarw the money outside China. Mostly you have to send to someone in China or pay to vendor who accepts WeChat Pay.
Hello im from philippines i have wechat pay but the bank card i link is from my chinese boyfriend is it okay if my boyfriend send money i can change it in cash in any chinese person..?
This means your boyfriend verified the account with his credentials. Basically, it is his own account on your phone. You can spend the money online, for cash conversion it will go back to the connected bank account. You can’t transfer from one bankcard to WeChat Pay and move the money to other bankcard which is not linked/verified.
i have a wechat account from singapore , however i can’t seem to receive any red packet or money transfer to my wechat account. i have already bind one visa card to my wechat account. but when my friends sent me any redpacket or funds transfer , the system keep asking me to verity my account, when i re-key my previous card account . it say that my card was already bonded.
1) how do set up so i could receive/sent red packets?
2) I do not have a china bank card/
– there are some china bank in singapore , if i open one account from there can i use the card to actives?
You can check this article on WeChat Pay for foreigners – https://www.webnots.com/wechat-pay-guide-for-foreigners/.
Basically, you can use the foreign credit cards for paying to vendors and NOT for receiving money to your Wallet. Without Chinese card, you can’t receive red packets. Singapore banks are not in the legal boundaries of China mainland, so we don’t see having account from those banks can help.
im here in dong guan china. and i install wechat. the problem is i cant find where to transfer money to the phil.? bec my wechat dont have iremit option.? can you help me with this. and im new here.
The China WeChat app (called WeiXin 微信) is different from the international app. This is much confusion as the app’s features, especially Wallet, are different in these two versions. If you are using local Chinese phone number then you will get the local version and you can’t transfer money outside China.
The legal money transfer option is to go to bank and show your earning proof to send money cross border. Your proof should be valid within 12 months and you may need to get this from the local tax paying authority based on your Individual Income Tax (IIT) payments.
Hope this helps.
Hi, I am at Singapore. Is there a way form me to transfer money from Singapore to Dong Guan through weChat?
No, not possible across countries.
Am in Ghana and I have the wechat pay can I receive the rmb in my balance and can I also transfer to my friend in China ?
I need help.. I just made a transfer through WeChat pay and it was successfully but the recieve denied that he never received any money .. is there any way to generate a proof of transfer?
You can view the transaction history to confirm the payment was sent to the receiver. If there is a dispute, you should approach WeChat help center for assistance.
I’m from Malaysia, I want to wechart to sent wallet to China how I do it
Unless, you have a verified Chinese WeChat account you can’t do international transfer and send the money to bank accounts.
How do I send money from Canada to China on WeChat?
You can’t do international money transfer.
Good day, I need help using wechat pay, i received the red envelope but when i click it, they are asking for bank card information. I tried filling it up but still i can not receive the money via wechat. A friend send me a money from china and i am the receiver from philippines, please help me how to setup an account here in philippines to have easy transaction between china to philippines. Thank you
WeChat is not an international’s money transfer app. You can’t take the Red Pocket money to your bank account unless you are living in China. You can only use from the Wallet balance. Check this article for more details – https://www.webnots.com/how-to-send-red-packet-in-wechat/.
What I have to do to receive money from China through wechat
If you are in China, simply follow the process as explained in the article. It is not an international money transfer app.
how about someone send a red packet but suddenly the receiver doesnt have any bank card, is there any way to send back the red packet?
Yes, within China you can use WeChat Wallet to send and receive money without bankcard.
why I can’t send or receive money within China without bank card
Someone should send the money to you and you should accept within 24 hours with local number and verify the identity. After receiving the amount will be in your Wallet and you can spend or send to someone. Unless you have a bankcard linked, you can’t withdraw the money to your bank account.
Can i send money to the philippines tru wechat pay? Im in china now..thnk you
You can’t do international money transfer using WeChat, it is applicable for mainland China. However, you have an option in Alipay for international wire transfer which you can try.
How about someone sent money from red packet? how can I transfer it to my bank card at withdraw it?
You need to have a verified Chinese phone number with a linked bankcard to transfer the money to your bank account. Otherwise, you can only spend by keeping it in the WeChat Wallet balance.
My WeChat was opened in Canada but I moving to China.
How will my wallet work?
Can I attach different bank accounts with different currencies to my WeChat Wallet?
Thank you very much!
We don’t think you can transact on multiple currencies. It works based on your local phone number and physical verification with bank card. After arrival in China, open a new account with China number and verify with your local bank card.
Please do advise me how to collect money from wechat money transfer.. He transfer some money on my wechat account hes from china and im from the philippines.. What to do inorder for me to claim money transfer via wechat?? Should i go to bank? What to do? To turn money transfer into cash and claim it?
You can directly spend from WeChat Wallet, or add a valid bank card and transfer the money to the card’s account.
last December 2 I send money to wechat in philippines until now the reciever did not take the money coz I got wrong spelling the name….what will I do I wait it to send it back to my wechat account but until now no…pls help me wat to do.thanks
WeChat will automatically return the money if the receiver does not accept within 24 hours. Also, you should add the person as a friend and transfer money to avoid this.
Hi i just ask if i can send money to my name using wechat because I’m here in hk now and planning to have my vacation in the Philippines these month and thinking if its posible to send money withe same sender and receiver,hope to help me on my essue thankbyou
This is a strange question!!! You can’t send money to your own WeChat id [let the money be there, why one need to send and receive the same]. You can top-up WeChat from your bank card or transfer money to your card. Or send/receive from someone else.
how to convert yuan to philippine peso when transfered the money in wechat acccount?
It’s not a currency conversion tool, you need to withdraw to your China bank card and remit from the bank.
What if i sent money to wrong person accidentally but using another person’s bank account? For example, i was confused that time. I sent the money to mr so & so and i key in his phone number but i key miss so & so’s bank account number. Mr so and so received the text nessage regarding the money but he doesn’t know where to claim the money, then miss so and so checked her account but it is empty. Who will receive the money? Does the money go back to my wechat account?
If the recipient does not accept within 24 hours of transfer then the money will return back to the sender.
How to.refund from mainland china. Im Indonesia. I want to send to Indonesia but wrong klik the mainland please helpme
We don’t think it is possible to send money outside China based on your account’s country. You should withdraw or spend from the Wallet if your account is in good status. If it is blocked then contact WeChat support for assistance.
Less can be done if you are outside China.
Why can’t I send money all of a sudden? I have successfully sent 500, 200 and 200 but when I tried again. I couldn’t send anymore.
Have you experienced such? My money is stuck in my wallet. I am loosing hope. Please help.
Check your WeChat account is not blocked for suspicious activities. If account is blocked and money is struck in wallet then you need to contact them though their help center.
I received money transfer from wechat and I have accepted. But it is not showing in the account my balance is zero
You should activate the WeChat Payment and have mainland China or other accepted countries account. If that’s fine then contact them to resolve the dispute.
I can’t find a wallet on my wechat, I have searched but I couldn’t find it
Go to “Me > Pay” and then you will see “Money” and “Wallet” options.
Hi Sir. My sister is working in China. Is it possible that her boss can send money from wechat to BDO Account?