How can I get paid from abroad in Shenzhen?

A global payment account gives you account details in currencies such as USD, EUR or GBP, so clients and marketplaces can pay you locally in their country. You then convert to CNY and withdraw.

What does it cost to convert to CNY?

Costs are the conversion margin plus any withdrawal fee to your local bank in China. Compare both, as they vary a lot between providers.

Who regulates international bank accounts & e-wallets in Shenzhen?

Providers serving customers in China fall under People's Bank of China (PBoC). Payment businesses in China require a PBoC payment business licence. Foreign-linked wallets and accounts are subject to additional restrictions; confirm licensed status before use.

Who uses global payment accounts in Shenzhen?

Freelancers, remote workers, online sellers and small exporters in Shenzhen use them to receive foreign income without opening bank accounts abroad.

Shenzhen Digital Bank · International Bank Accounts & e-Wallets · China

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Eligibility, pricing, and availability vary by provider, residency, and regulation in China. Confirm the terms directly with each provider before opening an account.

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Check the regulator and any provider directly to confirm availability in China before opening an account.

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Local guide

International Bank Accounts & e-Wallets in Shenzhen: what to know

Global payment accounts help people in Shenzhen, China get paid by clients, marketplaces and platforms in other countries, then convert the money into CNY (Chinese yuan (renminbi)). They are popular with freelancers, online sellers and remote workers in Shenzhen.

Currency in China: CNY · Chinese yuan (renminbi)
Regulator in China: People's Bank of China (PBoC)(opens in a new tab)
Local accounts in China: Chinese accounts use a bank code plus account number (typically 16-19 digits); domestic interbank transfers ask for the recipient's full registered name and the bank's 12-digit CNAPS branch clearing code, while cross-border transfers use the bank's SWIFT/BIC.
Payments in China: Domestic interbank transfers use CNAPS (large-value) or IBPS (internet banking payment, small-value, near-real-time). Cross-border RMB flows require additional documentation.

Before you sign up in Shenzhen

Check which currencies you can receive, the conversion fee to CNY (Chinese yuan (renminbi)), and the withdrawal fee to a local account in China.

Sources: PBoC: payment system overview · SAFE: cross-border payment rules

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Frequently Asked Questions

Common questions about international bank accounts & e-wallets in Shenzhen

Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.