XTransfer
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How to Register - XTransfer

How to Register

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

4.5396 Ratingsapp store
4.2167 Reviewsgoogle play
Register B2B Account

Exchange Rate Converter

Amount
Result
Cross-Border Transfer Steps
1Prepare Documents
Prepare company-related documents
Register on the XTransfer website
Our customer service will provide one-on-one support
2Submit Application
Submit documents online
Upload with one click
Simple operation, no complicated process required
3Preliminary Review
Professional team conducts compliance checks
Ensure enterprise information security
The whole process is professional, efficient, transparent, and secure
4Approval Granted
Use immediately
Quickly start cross-border payments
Connect with banks in different countries worldwide
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New user special：enjoy free settlement for ¥100,000!

Get it for free now

Our Strength

    24/7 RealTime Online Currency Exchange

    24/7 RealTime Online Currency Exchange

    Whether it's a holiday, weekend, or late at night, redeem anytime you want!

    Constant Access to Market-Beating Rates

    Constant Access to Market-Beating Rates

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

    FX limit orders

    FX limit orders

    Set limit orders and automatically exchange at your preferred rate

    Hong Kong/Chinese mainland Company Registration

    Hong Kong/Chinese mainland Company Registration

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

Send Money to China, the Most Cost-Effective Choice

The Fastest & Easiest Way to How to Register

Projects
Settlement Time
Ease of Operation
Transfer Cost
Account Opening Time
Fund Management
Compliance & Risk Control
XTransfer
As fast as 1 second
Fully online process with clear steps
Clear and transparent fee structure
Instant activation, ready to use
Supports multi-currency collections
Professional team supporting common collection scenarios
Bank Transfer
1–3 business days
Delays may occur due to information issues
High cost, often including hidden fees
Long review and approval process
Relatively basic functionality
General-purpose financial risk control
Overseas Local Bank Account
Fast, but dependent on account maintenance
Stable, but affected by local banks
High ongoing maintenance costs
Usually takes weeks or even longer
Depends on the local bank
Compliance requirements must be handled by yourself

Partner

BARCLAYS
Deutsche_Bank
DBS
BANK OF CHINA

Our licenses

China

China

HK MSO License

HK MSO License

Singapore

Singapore

UK API License

UK API License

Netherlands

Netherlands

US MSB

US MSB

CA MSB

CA MSB

AU RSP

AU RSP

How to Register

For exporters engaged in cross-border B2B business, a stable and compliant US dollar collection account is the core of ensuring the safety of funds and improving profits. It is not only a channel to receive overseas payments, but also an important part of the global capital management of enterprises. Through professional foreign trade collection platforms like XTransfer, companies can obtain better exchange rates, lower transaction costs, and effectively avoid anti-money laundering risks in international trade, so that every transaction is at ease.

Cross-Border Traders Around You
Are Using XTransfer

Grateful To Have You By Our Side

186******43
186******43China 2025/5/22

方便快捷！

很方便，出差可以手机操作

VedaJudithw
VedaJudithwNigeria 2026/1/4

Confidently Secure System

We transact with peace of mind regarding security.

rush brittaney
rush brittaneyVietnam 2025/12/17

Perfect for Exporters

Receiving USD payments from international clients is now much easier.

Mayers Whaley
Mayers WhaleyNigeria 2025/10/1

The Best Decision I Made This Year

Switching to XTransfer was the best operational decision I made for my business. The ROI is incredible.

Sharilyn Pierce
Sharilyn PierceUnited States 2025/9/4

Helpful for Traders

Essential for our import/export business. The interface is functional but feels a bit out-dated and could use a refresh.

老先明生_
老先明生_Hong Kong 2025/9/4

Exceptional Customer Support

Their support team is phenomenal. They resolve issues in minutes, not hours or days.

XTransfer at your fingertips

Facing the payment needs across different countries and currencies, XTransfer provides a unified collection and management solution, allowing businesses to complete major payment and settlement processes without repeatedly handling complex banking procedures. Whether for daily small payments or long-term multi-currency, multi-market trade settlements, XTransfer makes cross-border fund transfers more efficient, secure, and compliant.
Use the exchange rate calculator below to quickly understand the conversion relationships between different currencies, providing reference for payment and settlement decisions.

USDUSD
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USDUSD
CNYCNY
MYRMYR
IDRIDR
USDUSD
NGNNGN
CNYCNY
IDRIDR
USDUSD
VNDVND
USDUSD
GHSGHS
USDUSD
MXNMXN
USDUSD
EUREUR
USDUSD
XOFXOF

How to Register

Recommend a US dollar collection scheme suitable for SOHO and small and micro foreign trade enterprises.

XTransfer is an ideal choice for SOHO and small and micro foreign trade enterprises. It has a low account-opening threshold: an offshore company is not required; you can apply using the qualifications of a mainland China or Hong Kong-based company. The platform is simple to operate and provides exclusive customer manager support, which can effectively solve the pain points encountered by small and micro enterprises in international collection, such as strict bank audit, high handling fees, slow receipt of accounts, etc., and help to easily develop the global market.

How do I convert US dollar proceeds into RMB after receiving them?

The settlement process can be completed within the compliance collection platform, which is very convenient. The usual steps are as follows: 1. The US dollar payment enters your collection account on the platform. 2. Initiate a foreign exchange settlement instruction in the platform’s backend, and the system will display the real-time exchange rate. 3. Confirm the settlement amount and exchange rate and submit the application. 4. After the platform is approved, RMB funds will be automatically transferred to your bound domestic bank account.

The customer wants to pay in USD using a credit card. Does my receiving account support this?

Most collection accounts that focus on B2B wire transfers do not directly support credit card payments. B2B trade is usually a large transaction, and the mainstream payment method is bank wire transfer (T/T). If your customers insist on using credit cards, consider some payment gateways that support B2B credit card collection, but be aware that their fees are usually much higher than wire transfers and may not be suitable for large payments.

Which is better to open a bank account in Hong Kong or use a third-party collection platform to collect US dollars?

Each has its own advantages and disadvantages, but third-party platforms are more SME-friendly. 1. Hong Kong account opening: high threshold, high cost (need to go to Hong Kong, deposit requirements), follow-up maintenance complex. The advantage is that the account offers comprehensive features. 2. Third-party platform: opening an account is simple and fast, with low cost, focusing on collection and perfect wind control. For the vast majority of small and medium-sized foreign trade enterprises, the third-party platform is a more cost-effective choice.

How can you determine whether a U.S. dollar receiving account is secure and compliant?

To determine its security compliance, the following key points need to be checked: 1. License qualification: check whether the platform holds a payment or financial service license in major markets (such as Hong Kong, the United States, Europe, etc.). 2. Bank Partnerships: Determine whether the partner banks are large, internationally recognized institutions. 3. Wind control system: Check whether the platform has a clear and strict anti-money laundering (AML) process and transaction monitoring mechanism. 4. User Reviews: Refer to genuine user reviews and feedback within the industry.