China and India, the two most populous nations in the world, account for over 30% of the world’s population. They’re also economic powerhouses with thriving cross-border trade, tech collaboration, and a growing community of remote workers, freelancers, and business owners who operate globally.

With people and businesses engaging more frequently in international projects, the need to send money between China and India, especially in USD, has skyrocketed. For every person who needs to send money from either of these two countries, the question remains, “What’s the cheapest way to send USD from China to India?”.

The short answer is Grey. The long answer… that’s what the rest of this article is about.

Why sending USD can be tricky (and expensive)

Sending USD from China to India isn’t as straightforward as it sounds. Most traditional transfer methods have:

• High transaction fees and unfavourable exchange rates
• Lengthy processing times
• Bank limitations on currency types and transfer amounts
• Limited access to digital banking tools for seamless USD transactions

These challenges often mean you lose both time and money trying to complete what should be a simple cross-border payment.

Also read: Fastest and easiest ways to receive USD in China

Grey: The smarter and cheaper way to send USD from China to India

Grey is a global financial platform built for modern borderless living. It is perfect for people in China who need to send USD to India without the roadblocks of traditional banks.

Here’s how Grey helps you do it faster and at a lower cost:

1. Open a free virtual USD account

With Grey, you get a free USD account in your name. It works like a regular U.S. bank account and allows you to receive or hold USD. Once your funds are in your Grey account, you can send them directly to a recipient in India.

2. Send USD to India with low fees

Grey offers transparent and affordable rates for international transfers. You won’t deal with surprise deductions, currency losses, or inflated charges. What you send is what the receiver gets — clearly stated and easy to track.

3. Convert and control when needed

Grey allows you to convert USD at competitive rates and choose when to send. This means you avoid unfavourable exchange moments and get the best value.

Also read: How to send money from China to Egypt online

How to send USD from China to India using Grey

Step 1: Create a Grey account

Visit grey.co or download the app. Signing up is quick and only requires a few personal details.

Step 2: Complete KYC verification

Upload a valid ID and proof of address to secure your account. This ensures compliance and protects your funds.

Step 3: Fund your Grey USD account

Once verified, you’ll receive a virtual USD account. Use it to receive funds or top it up through supported methods.

Step 4: Add your recipient in India

Enter your recipient’s details (bank name, account number, IFSC code) and the amount you want to send.

Step 5: Convert and send

Choose whether to send USD or convert to INR before transfer. Grey will process the transaction immediately.

Also read: How to invoice clients in the USA as a freelancer in China

Why Grey is ideal for China-India transfers

• Low transfer fees with no hidden charges
• Competitive exchange rates for converting USD to INR
• Fast processing — no more waiting days for banks to release your funds
• Multi-currency support for freelancers, remote workers, and global teams

Also read: Best summer destinations in India for international travellers

Start sending USD from China to India

For a reliable, cost-effective, and digital-first way to send USD from China to India, Grey is your solution.

Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

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