Euro to yuan, worked backwards from the invoice
You negotiate in euro. What binds is a figure in yuan, and the time in between is yours.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
100, 1,000 and 10,000 yuan to euros at this rate
- ¥100
- ≈ €12.82
- ¥1,000
- ≈ €128.21
- ¥10,000
- ≈ €1,282.13
- €1,000.00
- ≈ ¥7,799.52
- €10,000.00
- ≈ ¥77,995.24
- €100,000.00
- ≈ ¥779,952.42
Set the invoice in yuan
Enter the invoice in yuan and choose how you would fund it.
You send about
1,490.82 USDT
≈ €1,282.13
1 USDT ≈ ¥6.71
Most people start in the same wrong place: take the euro budget, divide by today's rate, quote the result to the supplier. Your supplier, though, books the payment against the yuan total on their invoice, and that is where this flow begins. You enter the CNY amount that must arrive and see what it costs in USDT or USDC from your Unigox Wallet. Nothing in euro sits between the two, because this route has no euro pay-in leg.
- CNY total fixed before funding
- Deposit and balance priced separately
- The recipient is a Chinese company
The yuan total is fixed. What you spend falls out of it.
Euro to yuan: the invoice figure stays put while you compare routes. What changes is the balance — USDT or USDC from your wallet.
- You plan in
- Euro
- What binds
- The CNY total
- Funded from
- EUR · USDT · USDC
EUR
Bank transfer in the eurozone, then USDT
USDT
Native Unigox Wallet
USDC
Native Unigox Wallet
Recipient gets
ChinaCNY
The exact yuan stated on the invoice, paid to the recipient in China.
How do I turn a euro budget into a yuan invoice?
For negotiating, dividing by the reference above is enough, and that is all it is meant to do. For paying, the direction reverses: you set the exact CNY figure to be credited to the company account in China, and the flow names the USDT or USDC needed to produce it. There is no second, silent conversion between the two, because this route has no euro collection side.
Limits apply per payment rather than per order: roughly 55 CNY up to about 65,000 CNY is served, read from live liquidity. A deposit and a balance are two payments, priced separately and checked separately.
Four things without which nothing gets priced
Feasibility is decided by the recipient, not by the amount. Settle it before you agree payment terms — not once the goods are in production.
- 01
The recipient is a company
The credit goes to a business account on the Chinese mainland. If your contact names a personal account that is not a form-filling slip, it is a different transaction: the route refuses it server-side, and an account in Hong Kong is refused the same way.
- 02
The company is named twice
Once in Latin script, up to 50 characters, and once as the registered Chinese name in characters. Ask for both early. A supplier who will not produce the registered Chinese name will not produce a matching commercial invoice later either.
- 03
Purpose and relationship, per payment
Goods or services, supplier or service provider — stated on every single payment rather than stored once against the recipient. Without them nothing is priced.
- 04
The amount fits the band
Convert the ceiling of about 65,000 CNY into euro yourself before you commit to a deposit split. Thirty-seventy on a larger order produces a balance that can hit the top.
Checks run per payment and start again the moment recipient details change. An account number corrected today is re-checked before the next invoice, not after it.
From recipient details to a tracked CNY payment
- 01
Add the recipient
Choose the supported China destination and enter the recipient details exactly as provided.
- 02
Enter the CNY invoice
Add the amount, purpose, relationship and optional invoice reference before pricing.
- 03
Choose how to fund
Select USDT or USDC from your native Unigox Wallet.
- 04
Review and follow the payment
Confirm the exact source and destination amounts, then follow the status from the same flow.
Pay from where your money already is
Unigox Wallet
Choose USDT or USDC
- Choose USDT or USDC
- Review the required wallet amount
- The recipient still receives CNY
Stablecoin rates and top-ups
Why you should not let a supplier quote you in euro
Plenty of Chinese exporters happily give a European buyer a euro price. It is meant kindly and it is usually convenient. What it does is fold the exchange rate into a figure you can no longer take apart: the euro price contains the rate the supplier calculated at and the cushion they built in for the wait until payment. You see neither, and you certainly cannot negotiate them.
Ask for the CNY total instead. It can be sanity-checked against the reference above, it is the figure the supplier books against internally, and it is what their bank sees when it reconciles the credit. On this route it is also a precondition: payout is CNY into a Chinese business account. An invoice denominated in euro or dollars against an offshore account is a different payment, and not one this route serves.
The honest side effect belongs here too. Once the invoice stands in yuan, you carry the currency risk between agreement and payment. That is not a drawback to argue away. You carried that risk before as well — through a markup you never saw. Now it sits where you can see it and time it.
- Ask for the CNY total even when the supplier volunteers a euro price.
- Check whether the pro forma states the conversion rate and its date. If not, the markup is invisible.
- A euro-denominated offer cannot be reinterpreted as a CNY payment; it has to be reissued.
Deposit, balance, and a ceiling that belongs in the negotiation
European importers almost always work with split terms: a deposit to start production, the remainder before or after shipment. On this route each tranche is its own payment — its own price, its own check, its own declared purpose, its own invoice reference. A price does not carry over to the next tranche.
Which leads to something better known before you negotiate: the limits bind per payment. An order split along genuine payment terms is measured as two amounts. Splitting a single payment artificially to get under a limit is something else, and not something to do here.
At the other end sits the floor, and it catches people more often than they expect. Sample costs, a testing fee, a courier charge — items like that occasionally fall below it. Rolling them into the next invoice is usually more sensible than forcing them through on their own.
- Every tranche is priced independently and checked independently.
- The invoice reference travels with each payment so your books and the supplier's describe the same transaction.
- The floor and ceiling that apply are shown when you price the individual tranche.
Why the amount is denominated in a token and not in euro
Choose USDT or USDC and the pre-check skips the fiat collection side entirely. That is a property of the path the payment takes, not a display decision. The amount you are asked to provide is therefore quoted in the token: the token buys the payout.
Which puts the euro-yuan question one step to the side of your actual cost. USDT and USDC both track the dollar peg, so the EUR/CNY mid-market rate remains a usable sanity check. It is simply not the arithmetic applied to your invoice.
And the flip side, stated plainly: if you want to settle an agreed yuan total out of the euro balance on your business account, this is not the place. There is no euro pay-in for this payment route — not by transfer, not by direct debit, not by card. It changes nothing about the negotiation, since the CNY total remains the right basis, but you will be settling it through your bank.
Built for the way the eurozone pays China
Two things shape this flow: China is a major sourcing corridor for the eurozone, and the invoice at the end of it is written in yuan and paid into a mainland company account.
Questions before the first deposit
01My supplier invoices in euro. Can that still work?
Not as a euro invoice. This route credits CNY to a Chinese business account, so the invoice has to be agreed in yuan. Many suppliers who quote in euro will reissue in CNY when asked. One who will not is paid another way.
02How many yuan do I get for 1,000 euro?
Multiply by the indicative reference above; that is enough for the negotiation. Your payable amount is quoted in USDT or USDC inside the flow and confirmed against the actual invoice, because that is the side this payment really has.
03Can I hold a rate for the negotiation?
The reference on this page is not a held price. A binding amount with a limited life only comes into existence in the payment flow, against a specific invoice, at the moment you want to fund.
04Are the deposit and the balance one payment or two?
Two. Each is priced and checked on its own and carries its own declared purpose. Both should quote the same invoice number so your supplier and your accounts tie them to one commercial invoice.
05What happens if the invoice is above the ceiling?
The pre-check refuses it before anything has been spent and states the band that applies. Tranches along your genuine payment terms are separate payments; splitting one payment artificially to get under a limit is not something we support.
Agree the yuan total first, then fund it
Open the payment flow, add the recipient and compare EUR, USDT, USDC before funding.
Calculate the yuan totalRelated China guides
Built primarily for businesses
Built for importers and repeat supplier payers. A private individual paying a business invoice runs the same checks and gets the same quote — the recipient on this route is always a company.