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Germany to China without the detour
Germany hosts large African, Turkish and Asian communities, and German firms pay contractors worldwide. Looking at Guangzhou, the picture is clear. European businesses pay Chinese suppliers and contractors, and Chinese students in Europe receive support from home.
Grey converts EUR to CNY in one step and pays into ICBC, Bank of China, China Construction Bank, Agricultural Bank of China or any other bank in China. Your recipient sees a normal CNY credit and never needs to open a Grey account.
How sending to China works
Sign up
Sign up with a passport or Aufenthaltstitel. Approval typically lands before you've finished adding your recipient in Guangzhou. Grey works with regulated partners in the EU.
Fund
Fund by SEPA transfer from any German bank. Most top-ups credit within minutes, and the EUR sits on Grey until you convert it for Guangzhou.
Send
Chinese banks reject payments where the name doesn't match the account, so copy it from the supplier's invoice. Then confirm the yuan figure and send.
Why the rate matters more than the fee
The CNY figure Grey quotes in Berlin is the figure ICBC credits. There's no second conversion on the China side to eat into it.
No adjustments after the fact
The EUR to CNY rate you see at confirmation is the rate applied. If the euros move between your tap in Berlin and settlement in Guangzhou, your recipient's amount doesn't.
That matters when you've promised a specific figure in yuan.
Why Germany to China deserves a proper rate
Anyone in Frankfurt who has sent to ICBC the old way knows this. When you wire dollars to a Chinese supplier, their bank converts at a rate you never see and sometimes holds the funds for review. Yuan lands as a domestic credit. Grey gives a sender in Berlin a locked rate, a visible fee and a CNY deposit that arrives whole.
Delivered like a local payment
Your recipient receives CNY at ICBC, Bank of China, China Construction Bank, Agricultural Bank of China or any other Chinese bank as an ordinary deposit. The transfer shows as settled in your Grey app in Berlin at the same moment.
Any Chinese bank
Enter the account number and bank name. The CNY posts directly to that account.
Save the recipient
Paying the same person every month? Save the details once and resend in three taps.
GreyTag for Grey users
If the person in Guangzhou is also on Grey, GreyTag moves the money instantly at no cost.
Funding, step by step
Most German senders top up in euros and convert to CNY on the day. German senders fund by SEPA from Deutsche Bank, Commerzbank, Sparkasse or N26. The euro balance sits on Grey until a payment is due.
Bank transfer
Deutsche Bank, Commerzbank, Sparkasse, N26 or any German bank to your Grey EUR account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the China transfer directly.
Wallet balance
Convert and send the same minute.
Term fees and rent in Guangzhou fall on fixed dates. Set a reminder, keep the balance ready, and the transfer from Berlin takes under a minute.
Who uses this corridor
Importers
Deposits and balance payments to factories in Guangzhou, Shenzhen, Yiwu and Ningbo.
E-commerce sellers
Recurring payments to suppliers on 1688 and Alibaba who accept bank transfer.
Students
Tuition at universities in Nanjing, Wuhan and Guangzhou, paid in yuan.
Agents and freight
Paying Chinese sourcing agents and forwarders in local currency.
Germany hosts large African, Turkish and Asian communities, and German firms pay contractors worldwide. On the China side, the picture is this. European businesses pay Chinese suppliers and contractors, and Chinese students in Europe receive support from home.
The case for Grey on this route
European businesses pay Chinese suppliers and contractors, and Chinese students in Europe receive support from home. Grey exists on this route so that the CNY arriving in Guangzhou is never a surprise to the person who sent it from Berlin.
Senders in Berlin see two numbers, fee and rate, before anything moves. CNY then lands in any Chinese bank.
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