Chinese yuan to US dollar Exchange Rate | CNY to USD - XTransfer

Chinese yuan to US dollar exchange rate

YOUR CHOICE FOR GLOBAL TRADE PAYMENT

Pay to China & get paid globally
Free to open business accounts
24/7 instant payment
Exchange USD/RMB, no limit, no block

CNY to USD

Amount

Result

1 CNY = 0.145047 USD

01:31 Exchange Rate

Send money

Solve Crossborder Payment Difficulties, Start with a Compliant Entity!

Learn More

CNY to USD AI Predictive Analysis

XTranser is the first platform for B2B foreign trade finance in China. It provides safe, convenient and low-cost international collection solutions for small, medium and micro enterprises, with 0 account opening fee and 0 handling fee. New users can receive up to 200000 RMB free foreign exchange settlement quota for registration. The CNY/USD market is currently slightly volatile, with investors focusing on global economic dynamics and policy changes, and AI forecasts can help users grasp trends.

Learn more

As of February 20, 2026

analysis of influencing factors:	Fed policy, inflation data
potential resistance level:	0.1450
Forecast time range:	The next 1–2 weeks
Market sentiment:	Cautiously optimistic
Technical Brief Analysis:	Exchange rates are in a volatile pattern
Recent volatility:	0.0002
Operational Recommendations:	Keep watching, timely layout
AI Confidence Index:	Medium
Potential support level:	0.1446
trend prediction:	The next 1–2 weeks

AI analysis is for reference only. Please judge based on actual conditions.

Pay and get paid in local currency. Save up to 80% on your currency exchanges.

Get it for free now

Send Money to China

XTransfer is a professional cross-border trade payment platform that enables users to transfer funds to China safely, quickly, and conveniently. Supporting account opening and transfers for business users, XTransfer provides efficient, low-cost international remittance services to meet your global payment needs.

AI-integrated, for reference only

1 USD to CNY Historical Exchange Rate Trends

1 USD = -- CNY

00:09 Exchange Rate

USD - CNY+0%

History

Invalid DateInvalid Date

CNY - Chinese Yuan

The RMB was issued in 1948 when the People's Bank of China was established. It is the only legal currency in China. In recent years, the internationalization of the RMB has accelerated and it has been included in the Special Drawing Rights (SDR) basket of the International Monetary Fund. Its influence in cross-border trade, foreign exchange reserves and digital payments continues to rise.

Supporting unit:1 angle, 1 point
Denomination of banknotes:1 yuan, 5 yuan, 10 yuan, 20 yuan, 50 yuan, 100 yuan (taking the fifth series of the Renminbi as an example)
Reserve currency:Yes, the Renminbi is part of the IMF's Special Drawing Rights (SDR) currency basket.
Banknote material:Primarily composed of cotton lint pulp.
Metal composition:Aluminum alloy (early), stainless steel copper zinc alloy, steel core copper-plated alloy, steel core nickel-plated.
Currency symbol:¥
language:en
Main unit:1 yuan
ISO code:CNY
Currency name:Renminbi
Exchange Rate System:Managed floating exchange rate system
Central Bank:People's Bank of China
Safe-haven currency:It has certain regional hedging functions but has not yet become a major global safe-haven currency.
Coin denomination:1 jiao, 5 jiao, 1 yuan
Countries of Use:The official currency in China is the Renminbi, and some countries and regions also accept Renminbi payments in trade.
Cross-border payment:The Cross-Border Interbank Payment System (CIPS) has extended its clearing network to cover 25 countries and regions worldwide.

USD - Dollar

The US dollar officially became the official currency of the United States in 1792, initially adopting the gold and silver standard. After World War II, the US dollar became the world's main reserve currency in the Bretton Woods system. In 1971, the United States abolished the peg of the US dollar to gold and switched to a floating exchange rate. Today, the US dollar is still the dominant currency in global trade, investment and financial markets, enjoying a high degree of international credit and widespread use.

Supporting unit:1 cent
Denomination of banknotes:$1, $5, $10, $20, $50, $100
Reserve currency:The US dollar is the world's primary reserve currency.
Banknote material:Made primarily of 75% cotton and 25% linen.
Metal composition:Alloys such as copper, nickel, and zinc
Currency symbol:$ or US$
Paper currency size:156mm × 66mm (All denominations have the same size)
language:en
Main unit:1 US dollar
ISO code:USD
Currency name:US dollar
Cents per dollar:100
Exchange Rate System:Floating exchange rate system
Central Bank:Federal Reserve System
Safe-haven currency:The US dollar is usually regarded as a safe-haven currency.
Coin denomination:1¢, 5¢, 10¢, 25¢, 50¢, $1
Countries of Use:The United States (including some overseas territories) and certain countries and regions that use the US dollar as their official or circulating currency.
Cross-border payment:The dollar cross-border payment network covers approximately 200 countries and regions worldwide.

CNY

To determine the best time to exchange Chinese Yuan (CNY) for US Dollars (USD), a number of factors need to be considered, including the current exchange rate situation, exchange rate trends, market liquidity, individual needs, and the macroeconomic environment. Below are some analyses and recommendations to help you make a more informed exchange decision.Ⅰ Current Exchange Rate Situation and Short-term TrendAs of February 6, 2025, 1 RMB is equivalent to 0.1372 USD. Although the exchange rate fl...

Click to read

USD

The United States Dollar, commonly referred to as the USD, is the official currency of the United States and plays a pivotal role in the global economy. Introduce USD currency as a key player in international trade and finance, where it accounted for nearly 48% of all SWIFT payments by mid-2024. Furthermore, the USD serves as a crucial global reserve currency, comprising 58.36% of official foreign exchange reserves by late 2022. Its dominance is further highlighted by its involvement in nearly 9...

Click to read

Our Strength

24/7 RealTime Online Currency Exchange

Whether it's a holiday, weekend, or late at night — whenever you want, exchange Chinese yuan to US dollar anytime!

Constant Access to Market-Beating Rates

Enjoy secure and compliant exchange at competitive rates with 0 exchange loss

FX limit orders

Set a limit order to automatically exchange at your preferred Chinese yuan to US dollar rate

Hong Kong/Chinese mainland Company Registration

XTransfer connects you with licensed secretaries to register your company and activate global payment reception quickly and remotely.

FAQ

With Chinese yuan to US dollar exchange rate fluctuations, will I receive less money?

Yes, the real-time exchange rate fluctuations between Chinese yuan and US dollar directly impact your trade profits. Due to the time lag in international payments, if CNY depreciates or USD strengthens at the time of settlement, the actual amount of USD you receive will decrease due to exchange losses. Therefore, monitoring the trend of Chinese yuan and choosing the right exchange rate window is key to ensuring your trade proceeds do not shrink.

Why is the bank's exchange rate different from the one I found online?

The exchange rates found online are usually mid-market rates, which serve only as a market reference and are not the bank's actual transaction price. When performing currency settlement, banks deduct a "spread" (the difference between buying and selling prices) from the real-time mid-market rate to cover transaction costs. This spread causes the final amount you receive to be lower than the theoretical value calculated at the mid-market rate. Therefore, when calculating the actual profit of trade orders, you should rely on the bank's real-time "buying rate" rather than the reference rate.

Are AI-predicted exchange rates for Chinese yuan to US dollar accurate?

AI predictions for CNY to USD are trend references based on historical big data and market sentiment models. While AI can capture the patterns of CNY through algorithms, it is difficult to 100% foresee sudden international political events or policy adjustments. Therefore, the predicted value of Chinese yuan to US dollar should serve as a supplementary suggestion for choosing a settlement window, rather than an absolute guarantee of the transaction price.

Are there any hidden fees when exchanging CNY to USD?

In cross-border transactions involving Chinese yuan to US dollar, intermediary bank deductions are the most common hidden cost. When CNY is sent through non-direct banking routes, correspondent banks will deduct a service fee, resulting in the actual amount of USD received being less than expected. To ensure your CNY order profits are not eroded, it is recommended to confirm whether the receiving bank supports the "Full Pay" (OUR) mode before initiating the Chinese yuan exchange to avoid extra fees during US dollar credit.

Why do different banks offer different exchange rates for Chinese yuan to US dollar?

This is because there is no unified fixed exchange rate globally; financial institutions add their own "spread" to the international mid-market rate of CNY to USD. Different banks have varying position management and operational costs for CNY, which directly determines the fluctuations in their CNY settlement prices. Therefore, when converting Chinese yuan to US dollar, businesses will find slight differences in real-time quotes, and choosing a channel with a lower spread can yield more US dollar.

How to conduct international cross-border payments conveniently?

The key to efficient international settlement lies in shortening the intermediate transfer links of global currencies. Through XTransfer, a one-stop foreign trade financial service platform, enterprises can quickly open multi-currency global collection accounts online without queuing at physical branches, enabling real-time payment, collection, and settlement. The compliance declaration consulting and exchange settlement services provided by XTransfer effectively solve the challenges of slow arrivals and opaque fees, making it a more convenient choice for SMEs handling bulk trade settlements.

Is it really safe to send money online via XTransfer?

XTransfer is absolutely secure. Your funds are protected by our top-level security measures to ensure every transaction is safeguarded. If there is a delay, we will refund the service fee to compensate your loss.

Disclaimer: The exchange rate data on this page is collected from public sources for reference only. Due to frequent fluctuations, XTransfer cannot guarantee accuracy or timeliness. Please refer to the real-time quotes from banks, related institutions, or trading systems.