Moneyexpress is a convenient cross-border remittance service provided by UnionPay. It has been offered in more than 57 countries and regions such as the United States, Japan, Singapore, Australia, the United Kingdom, Russia, Canada, South Korea and Hong Kong. Cooperation institutions include 18 local banks such as CIBC of Canada, Woori Bank of South Korea, BOC Hong Kong, HSBC of Singapore, as well as 34 mainstream remittance institutions such as MoneyGram, Wise, paysend and omipay. Through cooperative desks, official websites, mobile apps and other service channels provided by these institutions, overseas remitters can easily make cross-border remittances to UnionPay debit cards of 79 national and local banks, including industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of communications, China Merchants Bank, China Everbright Bank, Huaxia Bank and Bank of Dalian. Cardholders in China can directly collect the money in RMB to further consume or withdraw to avoid the trouble of foreign exchange.
Different from the traditional cross-border telegraphic transfer, MoneyExpress settles the exchange rate in advance and deposit the remittance into the remittee’s UnionPay account in RMB. Therefore, the payee does not need to handle the payment of remittance or pay the bank service fee; she/he can use the money directly. In general, the remittance is deposited into the payee’s account in real time or within 12 hours.
Sending institutions that support this service are as follows:
| Institution | Region | Service channels |
| Paysend | The UK, Canda | 1.Official websites |
| 2.Mobile APP | ||
| Wise | Countries and regions including the UK and France. (For details, please refer to Wise’s public notice.) | 1.Official websites |
| 2.Mobile APP | ||
| Canadian Imperial Bank of Commerce | Canada | 1.Official websites |
| 2.Mobile App | ||
| MoneyGram | The UK, Korea, Australia and other countries and regions. (For details, please refer to MoneyGram’s public notice.) | 1.Official websites |
| 2.Offline outlets (including branch outlets and other cooperative outlets) 3.Mobile APP | ||
| Golden Crown | Russia | 1.Mobile APP |
| 2.Official websites | ||
| 3.Service Points | ||
| Avosend | 1.Mobile APP | |
| 2.Official websites | ||
| Mifinity | The UK | 1.Official websites |
| 2.Mobile APP | ||
| Guavapay | Official websites | |
| Global Bank | USA | Branch Outlets |
| CITI Europe | Europe | Mobile APP |
| KB Card | South Korea | Mobile APP |
| Woori Bank | Branch outlets | |
| Hanpass | Mobile APP | |
| Tranglo | Malaysia | Mobile APP |
| WING | Cambodia | Mobile App |
| Bongloy | 1.Mobile APP 2.Branch outlets | |
| Pi Pay | 1.Official websites 2.Mobile APP 3.Branch outlets | |
| ABA Bank | Mobile APP | |
| AMK Finance | 1.Official websites | |
| 2.Mobile APP | ||
| 3.Branch | ||
| Geoswift | Hong Kong SAR | Official websites |
| Bank of China (Hong Kong)Limited | Mobile APP | |
| Easylink | 1.Official websites | |
| 2.Mobile APP | ||
| BOCOM(HK) | Mobile APP | |
| 33 Finance | Mobile APP | |
| Aleta Planet Pte. Ltd. | Singapore | Mobile APP |
| HSBC | Mobile APP | |
| ZHONGGUO REMITTANCE PTE LTD | Branch | |
| Lianlian | ||
| thunderbirds | ||
| ABC Bank | Mauritius | 1.Official websites |
| 2.Mobile APP | ||
| Rawbank | The Democratic Republic of the Congo | 1.Official websites |
| 2.Mobile APP | ||
| SBI | Japan | 1.Official websites |
| 2.Mobile APP | ||
| Japan Remit Finance | 1.Official websites | |
| 2.Mobile APP | ||
| 3.Branch | ||
| Payforex | 1.Official websites | |
| 2.Mobile APP | ||
| CB International Bank | Puerto Rico | 1.Official websites |
| 2.Mobile APP | ||
| UzPSB | Uzbekistan | 1.Official websites |
| 2.Mobile APP | ||
| OFB | Has not been commercially launched | |
| Kapitalbank | Branch | |
| Ipak Yuli | 1.Mobile APP | |
| Dushanbe City Bank | Tajikistan | 1.Mobile APP |
| Bano Pty Ltd | Australia | 1.Official websites 2.Mobile APP |
| RONG YI HUI PTY LTD |
1.Official websites 2.Mobile APP | |
| OmiPay | Mobile APP | |
| Vista Bank | Sierra Leone、Gambia | 1.Official websites |
| 2.Branch | ||
| Al Ansari | UAE | 1.Official websites 2.Branch |
| Switch APP | Iraq | Mobile APP |
| WorldCom | Israel | Cooperative desks |
| Rewire | Branch | |
| STB Union | 1、Mobile APP 2、Branch | |
| Pride Microfinance Limited | Uganda | Branch |
| KVB | New Zealand | 1、Branch |
| 2、Mobile phone | ||
| 2C2P | Thailand | Mobile APP |
Domestic receiving institutions of Mainland China that support MoneyExpress are as follows:
| Issuers | Debit card |
| Industrial and Commercial Bank of China Limited | √ |
| Bank of China | √ |
| China Construction Bank | √ |
| Agriculture Bank of China | √ |
| Bank of Communications | √ |
| Postal Savings Bank of China | √ |
| China Merchants Bank | √ |
| China Everbright Bank | √ |
| China CITIC Bank | √ |
| Hua Xia Bank | √ |
| Bank of Shanghai | √ |
| Bank of Beijing | √ |
| Linshang Bank | √ |
| Harbin Bank | √ |
| Hubei Bank | √ |
| Guilin Bank | √ |
| Bank of Chengdu | √ |
| Bank of Zhengzhou | √ |
| Bank of Hainan | √ |
| Guangxi Beibu Gulf Bank | √ |
| Bank of Ningxia | √ |
| Liaoshen bank | √ |
| Bank of Chongqing | √ |
| Bank of Qingdao | √ |
| Chang'an Bank | √ |
| Fudian Bank | √ |
| Bank of Guiyang | √ |
| Bank of Dalian | √ |
| HuiShang Bank | √ |
| Bank of Tianjin | √ |
| Tianjin Jincheng Bank | √ |
| Bank of Urumqi | √ |
| Bank of Zhangjiakou | √ |
| Zaozhuang Bank | √ |
| Bank of Xi'an | √ |
| Bank of Tangshan | √ |
| z-bank | √ |
| Xin An Bank | √ |
| Bank of Liuzhou | √ |
| Shanxi Bank | √ |
| Bank of Changsha | √ |
| Bank of Jiujiang | √ |
| Bank of Hunan | √ |
| Bank of Gansu | √ |
| Bank of Langfang | √ |
| Bank of Inner Mongolia | √ |
| Jinshang Bank | √ |
| Ordos Bank | √ |
| Qishang Bank | √ |
| Wuhan Rural Commercial Bank | √ |
| Shenzhen Rural Commercial Bank | √ |
| Guangzhou Rural Commercial Bank | √ |
| Haikou United Agricultural and Commercial Bank | √ |
| Guiyang Rural Commercial Bank | √ |
| Shaoguan Rural Commercial Bank | √ |
| Dalian Rural Commercial Bank | √ |
| Chengdu Rural Commercial Bank | √ |
| Yellow River Rural Commercial Bank | √ |
| Fujian Rural Credit Cooperative | √ |
| Hunan Rural Credit Cooperative | √ |
| Qinghai Rural Credit Cooperative | √ |
| Guangdong Rural Credit Cooperative | √ |
| Henan Rural Credit Cooperative | √ |
| Shanxi Rural Credit Union | √ |
| Jilin Rural Credit Bank | √ |
| Sichuan Rural Credit | √ |
| Hubei Rural Credit Cooperatives | √ |
| Guizhou Rural Credit Union | √ |
| Liaoning Rural Credit Cooperatives | √ |
| Shenzhen Baoan Guiyin Rural Bank | √ |
| Changchun Chaoyang Herun Village Bank | √ |
| Heshanzhujiang Rural Bank | √ |
| Guangdong Puning Huicheng County Bank | √ |
| Yanji Herun Country Bank | √ |
| Anji Country Bank | √ |
| Maoming Changjiang County Bank | √ |
| Dali Weishang Changjiang County Bank | √ |
| Baise Jingxi Changjiang County Bank | √ |
| Huncun Jiyin County Bank | √ |
| Guangxi Rongshui Liuyin County Bank | √ |