Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Can I send money over WeChat?

What started as an IM service now lets you pay for anything from your dry-cleaning bill to your groceries.

No reviews yet. Write a review
This product is not currently available via Finder. Visit the provider's website directly, or compare other options.

What is WeChat?

Known locally as 微信 or Weixin, WeChat is a social media app that’s become one of the most widely used in China. Because it’s governed by China’s strong censorship laws and messaging interception rules, the government can potentially review your messages and other data at any time. Given this, it’s no surprise that WeChat hasn’t yet caught on internationally. Additionally, President Donald Trump signed an executive order in January 2021, prohibiting transactions with companies behind eight Chinese apps, including WeChat Pay.

Can I use WeChat Wallet in the US?

Only if you have a bank account in China, Hong Kong, Malaysia or South Africa. It’s the only way to use WeChat Wallet in the US, but that might be impeded by the executive order signed by Trump.

WeChat Pay launched at the start of 2018, allowing tourists, expats and international students to pay at select stores in the States. See if your local grocery store participates by looking for the WeChat logo.

How do I request and send money with WeChat Wallet?

Follow these steps to request and send money with WeChat Wallet:

  1. Download the WeChat app. Unlike PayPal and similar services, you must download an app on your phone or computer. You can’t access WeChat Wallet through a website.
  2. Set up your WeChat account. Enter your phone number and subsequent verification code, complete your profile and create a password and ID for your account.
  3. Activate WeChat Pay by getting someone to send money to you. To activate WeChat Pay for the first time, ask a friend or loved one to send you either a red envelope — also called a hongbao — or a small payment.
  4. Add a credit card or Chinese bank account number. Enter your info and select your bank for verification through your mobile phone number. You may also need to add your ID or passport number.
  5. Set up your transfer. Choose the Me icon at lower right and choose Wallet from the list of services. Select Transfer and the contact you’d like to transfer money to or request money from.
  6. Indicate your transfer amount. Specify how much you’d like to send or receive, and add a note if you like. Choose Transfer again and enter your password to complete your transaction.

What happens when someone sends me money?

The money you’re sent on WeChat is automatically transferred into your WeChat Wallet — meaning you don’t accept or deny payment. Review your balance to manage how much money is in your WeChat account.

Are there restrictions for sending money with WeChat?

Yes. WeChat is not legally allowed to process international money transfers. Be aware that only wallets specific to the areas supported by WeChat — China, Hong Kong, Malaysia and South Africa — can send accessible money among one another.

Keep in mind that if you’re trying to send money from your wallet in China to someone in South Africa, WeChat will send the money, but now your recipient in South Africa will also have a Chinese wallet. Unless the user from South Africa heads to China, they can’t access the money.

Is sending money over WeChat Wallet safe?

WeChat encrypts your personal information, financial details and monetary transactions. However, WeChat doesn’t provide much information on other digital safeguards.

Because WeChat Wallet is based in China, it isn’t required to comply with American security standards. The Chinese government also monitors all social media devices, including WeChat. So it’s maybe safe from hackers, but your transaction isn’t private.

Pros

  • Free service. Unlike PayPal, which makes money by skimming a percentage of your transaction amount, WeChat’s developer Tencent makes money selling other products. WeChat Wallet is another way for Tencent to sell its products, but the service is free to use.

Cons

  • Limited service area. To use WeChat Wallet, your account must be registered in mainland China, South Africa or Hong Kong.
  • Potential for government prying. WeChat is governed by China’s laws that allow the government to monitor your messages and personal info.
  • No specified delivery. WeChat doesn’t advertise how long it takes for transfers to complete, which means you may need to look elsewhere for emergencies.

Compare other services that send money within the US

Name Product USFMT Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise logo
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
PayPal logo
Within minutes
From $0
Use PayPal to safely send money and receive payments from around the world in over 25 currencies with just an email address or mobile number. Try 3 months free of Spotify Premium when you sign up with PayPal.
loading

Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.

Name Product USFMT Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX logo
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Xe logo
Within minutes
From $0
Xe has fast transfers with low fees and a range of foreign currency tools.
MoneyGram  logo
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Instarem  logo
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
Xe logo
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Remitly  logo
Within minutes
From $0
Remitly has quick, affordable transfers around the world, with both express and economy options.
CurrencyTransfer  logo
24 hours
$0
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
WorldRemit  logo
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
OFX logo
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
PayPal logo
Within minutes
$0
Provides business solutions for small business owners in over 24 currencies worldwide. Try 3 months free of Spotify Premium when you sign up with PayPal.
Wise logo
Within minutes
From $8.16
Enjoy high maximum transfers into more than 40 currencies, while saving up to 90% over local banks.
Wise logo
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Wise logo
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
CurrencyTransfer  logo
24 hours
$0
Increase business efficiency with zero transaction fees and same-day transfers.
WorldRemit  logo
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
CurrencyFair logo
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
OFX logo
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
CurrencyFair logo
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Remitly  logo
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Remitly  logo
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Remitly  logo
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
PayPal logo
Within minutes
From $0
Use PayPal to safely send money and receive payments from around the world in over 25 currencies with just an email address or mobile number. Try 3 months free of Spotify Premium when you sign up with PayPal.
Xe logo
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
loading

Are you visiting from outside the US?

Select an option to continue

Kelly Suzan Waggoner's headshot
Editor-in-chief

Kelly Suzan Waggoner is a Personal Finance Editor at AOL and the former US editor-in-chief at Finder, where she worked with a talented team of expert writers and editors focused on helping readers to save money, earn money and grow their wealth. She joined Finder in 2016 as an editor, germinating the site from money transfers to include the wide scope of personal finance. Kelly has worked with publishers, magazines and nonprofits throughout New York City to develop best practices around editorial, SEO, plain language and accessibility, including Black Dog & Leventhal Publishers, HauteLife Press and Queerty. She is quoted on such sites as Lifehacker and CertifiKid, and ghostwrote Copyediting and Proofreading for Dummies, published by Wiley. Kelly earned a BA in English from Russell Sage College and a Poynter ACES Certificate in Editing from Poynter News University. She is trained in digital and website accessibility and plain language, and is a member of ACES: The Society for Editing and the Center for Plain Language. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma’s world domination. See full bio

Kelly Suzan's expertise
Kelly Suzan has written 40 Finder guides across topics including:
  • Plain Language Consultant
  • Editorial SEO
  • Digital and website accessibility

More guides on Finder

  • How does PayPal.Me work?

    Learn how to create a custom link for your PayPal account and what you can use it for.

  • Zelle review

    Need to send money at a moment’s notice? Zelle could be the app for you — especially if your bank is already a Zelle partner.

  • Cash App review

    See steps to sending money with Square’s Cash App, everything to need to know about safety, plus why it may have an edge on Venmo and Paypal.

  • Venmo Review

    Is the Venmo app right for you? We take a look at Venmo fees, transfers limits, safety, customer support and more to see if the app is worth the hype.

  • How to use Facebook Messenger payments

    Exactly how do you use Facebook Messenger to send or request money? Is it safe? Find out what happens when you use the app to send money to someone.

Ask a question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

20 Responses

    Default Gravatar
    TracyJanuary 26, 2018

    Hi. I am in south africa and have a friend in the usa that would like to transfer money to my wechat account..would this work?
    Regards

      AvatarFinder
      JudithJanuary 26, 2018Finder

      Hi Tracy,

      Thanks for getting in touch with finder. I hope you are having a fine day.

      No- I’m afraid it won’t work. To use the WeChat Wallet, your friend should have a WeChat account and should be registered in mainland China, South Africa or Hong Kong only.

      I hope this helps.

      Warm regards,
      Judith

    Default Gravatar
    DenJanuary 10, 2018

    Hi, I’am a Filipino citizen from the Philippines. what are the things that I need to open an wechat pay(Wallet).? Can I linked my bank card like BDO,BPI or metrobank. what are the procedure of it.?

      AvatarFinder
      RenchJanuary 11, 2018Finder

      Hi Den,

      Thanks for your inquiry.

      Unfortunately, WeChat Wallet is not available in the Philippines. You are currently in our finder US site. As I have checked from WeChat Philippines, wallet service is not available.

      Best regards,
      Rench

    Default Gravatar
    JasDecember 22, 2017

    Hi. My Chinese friend is in Thailand for business trip. Can she transfer money to my WeChat wallet even if she’s outside China?

      AvatarFinder
      JudithDecember 22, 2017Finder

      Hi Jas,

      Thanks for your question. I hope you are having a great day.

      Your friend could send money to you anywhere in the world as long as:

      1.) Her account is registered on mainland China, South Africa or Hong Kong.
      2.) Both of you have your own WeChat accounts.
      3.) Your WeChat account is added or listed on her WeChat contact list.

      I hope this helps.

      Cheers,
      Judith

    Default Gravatar
    JonoNovember 7, 2017

    Good day. I am a South African citizen living and working in China. Is it possible to transfer funds via WeChat from China to South Africa?

      AvatarFinder
      JudithNovember 7, 2017Finder

      Hi Jono,

      I hope all is well with you today. Thanks for contacting finder, a comparison website and general information service.

      As long as your recipient is one of your contacts in your WeChat account, you may send money through it. Please be reminded too that in order for you to use the WeChat Wallet, your account must be registered in mainland China and/or South Africa.

      I hope this helps.

      Best regards,
      Judith

      Default Gravatar
      TerryMarch 23, 2018

      A friend of mine send money to me from China wechat wallet to my account in china
      and it bounced back. Is it that if the receiver accounts are not registered to wechat wallet it can not be received?

      AvatarFinder
      RonMarch 26, 2018Finder

      Hello Terry,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      Note that this function only allows users to transfer money into their friend’s WeChat Wallet Balance, not directly into their bank account. Therefore, it is a must for the recipient to also have a registered Wechat wallet for them to receive the money. The recipient can pay it into their bank account once they’ve received it to their Wechat wallet account.

      Hope this helps!

      All the best,
      Ron

Go to site