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Pay a Chinese supplier from Europe

Europe–China trade is usually counted in container volumes and freight trains. This page is about the last metre of it: the invoice in yuan that has to reach a company bank account in mainland China, and what it costs from London, from Kyiv, or from anywhere the euro is legal tender. Eight markets below — six of them sharing a single currency — each with today's reference reading and the pages written for it.

Eight European markets, and the pages written for each

Eight readings below, six of which are the same number: the euro markets share one rate and differ only in the language it is printed in. Each was taken minutes ago, and each market's own page carries the exact minute.

One currency moves, and it is not yours

Yuan moves, into your supplier's business account at a mainland Chinese bank, over CNAPS. The euro, the pound and the hryvnia are what you budget, quote and report in — they are measured against the invoice rather than converted into it. That is not a turn of phrase. Every European market here funds from a USDT or USDC balance you already hold: there is no euro pay-in, no SEPA, no card, no direct debit, no sterling and no hryvnia transfer. The rate at the top of each page is a timestamped reference reading rather than the rate a payment settles at.

  • Eight European markets, one route into China
  • Supplier is paid in CNY, into a company account
  • Funded from USDT or USDC — no SEPA, no card

One euro, one rate, six languages

Six of the eight markets below share a currency. An importer in Hamburg and an importer in Braga read the same number at the same moment, because there is only one euro and only one reading of it against the yuan. What differs between their pages is not the arithmetic — it is the language the arithmetic is written in, and the words each reader actually types: yuan in euro, yuan a euro, yuan en euro, yuan para euro, cambio yuan euro, yuan naar euro. Six phrasings of one question, in German, Spanish, French, Portuguese, Italian and Dutch.

The other two markets are something else. The United Kingdom prices in sterling and is by a distance the largest European source of people searching how to send money to China at all. Ukraine prices in hryvnia, and its readers search in Ukrainian rather than Russian, which is how its pages are written. Three currencies, eight markets, one destination — so read the page for the market you pay from rather than a European average, because there is no European average that would be right for you.

Where the money lands, and what it can start from

Whichever of the eight markets you pay from, the far end of this route is identical, and it is the one part of these pages that does not change with the language: the account taking delivery of the yuan must belong to a company, and that company's bank must sit on the Chinese mainland. A personal account fails that check in the server's response, not in a notice you can dismiss. A Hong Kong account fails it. So does the middleman who asks to be paid in his own name and undertakes to settle with the factory afterwards. Keeping it strict is deliberate, because a European import rarely comes apart in the shipping — it comes apart when the money reaches someone other than the company that issued the invoice, and by then it has already left.

The near end is just as uniform, and rather less comfortable. All eight markets fund from a USDT or USDC balance you already hold; this route carries no European pay-in rail in any currency, and nothing on this page should be read as a hint that one is being built. Declarations do not vary either — goods or services, because that is what the money buys. Size does vary, and not on a schedule: what gets published is a reading, never a fixed band, and it tracks whatever live liquidity supports at the moment you ask, which lately has meant anything between about 55 CNY and something near 65,000 CNY. That reading carries a timestamp rather than a lock. It is not guaranteed, and it is not a conversion of your euros, pounds or hryvnias.

Europe to China: the questions that keep recurring

Can I pay in euros, or from my account by SEPA?
No, and it is worth being blunt about it. Every European market on this page funds from a USDT or USDC balance you already hold. There is no euro pay-in, no SEPA transfer, no card, no direct debit, no sterling funding and no hryvnia funding. The euro, pound or hryvnia figure is there so you can price the invoice and put it through your books; what leaves your side is stablecoin, and what arrives on the other is yuan in your supplier's company account.
Why six pages for one euro rate?
Because the rate is one thing and the reader is another. Germany, Spain, France, Portugal, Italy and the Netherlands share the euro, so they share the reading against the yuan down to the decimal. They do not share a language, a search phrase, or the documents their own accountant expects to see. Six pages means each reader gets the same number in the words they use for it, rather than one page in a language five of the six do not work in. Take the one in your language; the figure will be identical.
My supplier gave me a Hong Kong account, or a personal one.
Then that account cannot be paid here, and it is worth asking why it was given. This route ends at a business bank account on the Chinese mainland, over CNAPS, and the check runs server-side rather than as advice. A mainland factory that invoices as a company can be paid as a company; if the invoice names one entity and the bank details name another, that mismatch is the thing to resolve with your supplier before the money moves, not after.
I am importing from China to Europe. Is the rate on this page what I will pay?
No. Every rate in this cluster is a timestamped reference reading, published so you can sanity-check a quote and budget a landed cost — not locked, not guaranteed, and not the rate a payment settles at. Quoting is done against live liquidity at the moment you actually start a payment, from roughly 55 CNY up to around 65,000 CNY. Customs, VAT and duty at your own border are a separate matter, and not one a payment page can settle for you.

Paying China from somewhere else

Price a supplier's invoice

Put in the yuan figure your supplier invoiced and the page works back to the balance needed to cover it. Nothing is committed at that point.

Price a CNY invoice