CNY to EUR

Converting Chinese Yuan into Euro explained

This page follows the price relationship between Chinese Yuan (CNY) and Euro (EUR) and sets it next to the cost of an actual conversion at a range of providers. As of October 30, 2026, 1 CNY buys 0.134484 EUR, and one EUR is worth 7.4358 CNY.

The figure at the top is the interbank mid rate. It sits exactly halfway between what wholesale traders pay for CNY and what they ask for it. Treat it as a neutral benchmark: it contains no profit margin and no fees, which is exactly why few consumer services pass it on unchanged.

The amount that lands in the other account comes down to two separate costs: the gap between the provider’s rate and the mid-market rate and the fee you see on the order screen. In the sections below we explain how those costs work, show how they add up on a real amount and give concrete ways to get closer to the mid-market rate when converting CNY to EUR.

Paying less when you change CNY into EUR

Compare the total cost, not the fee alone. A small fee on its own says little when the margin is high. The number that matters is the EUR amount after every cost, and that already includes both margin and fee.

At foreign tills and cash machines, you may be asked whether to pay in CNY or in the local currency. This is called dynamic currency conversion. It usually comes with a steep markup. Pick the local currency so your bank or card issuer handles the exchange.

Timing can also matter. Rates quoted on a Saturday or Sunday can include a weekend surcharge. When there is no deadline, you can set a target rate and let the provider convert only when it is reached. It takes the guesswork out, but the target may never be reached.

Also check how you fund the transfer. A credit card may be treated as a cash advance by your card issuer, while a regular bank transfer to the provider is usually the cheapest way in. Combining several small payments into one larger transfer reduces what you pay in flat fees.

How GoldexPay compares CNY to EUR providers

We start from the live mid-market rate for CNY/EUR. Each provider’s published fee and markup are applied on top, to calculate what actually arrives in EUR. The comparison covers 8 providers, placed side by side.

The figures refresh every half hour, so the page reflects the market of October 30, 2026. Always check the final quote in the provider’s app or website, and it can differ slightly from our calculation.

We are not owned by any provider. Some links on this page are affiliate links. The order is never affected by them: the provider that delivers the most EUR comes first, whether or not we have a link to it.

Mid-market rate versus the rate you get

The majority of services do not convert at the rate of 0.134484 itself. Instead they shift the rate in their own favour and earn on the difference. People call this the markup. A markup of 2%, for example, means that for every 100 CNY you convert, about 2 CNY worth disappears before the money arrives.

Besides the hidden margin, a lot of services ask for a separate fee. This is usually a fixed amount per transfer, a share of what you send or a mix of both. With international bank payments other banks along the route may take their own cut, and those only show up at the end.

Be wary of services that advertise free transfers. The cost often sits in the rate instead. What really counts is the final EUR figure for an identical CNY amount, and the comparison table on this page is ranked on exactly that.

Safety checks before you convert CNY to EUR

Only use providers that are regulated. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Regulated firms have to safeguard client funds and that offers protection if the company fails.

Double-check the recipient details before you confirm. Mistakes are rarely fixed quickly with transfers abroad. Watch out for pressure, urgency or a last-minute change of account details. Verify through a channel you trust.

For large amounts, expect extra checks. You may need to show proof of the source of funds, such as a payslip, sale agreement or bank statement. Some providers lower their margin on request for larger customers. Ask whether you can fix the rate in advance.

CNY and EUR around the world

Chinese Yuan is used in China. Euro is what people pay with in Germany, France, Netherlands, Spain, Italy. That is useful to know for anyone who earns in one of these currencies and spends in the other.

The reasons for changing CNY into EUR vary: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. What suits one case may not suit another: a one-off large payment calls for the best rate, while regular small amounts are more sensitive to fixed fees.

The way money is paid out also differs per country. Account formats differ: IBAN in one place, account and routing numbers in another and in certain countries payout to a mobile wallet is the norm. Check which details the provider needs before you start.

Bank transfer or money transfer service for EUR?

With a classic international transfer, the bank sends the payment through SWIFT. Along the way one or more intermediary banks may handle it, sometimes taking a fee at each step. Delivery usually takes one to several working days, and the exact cost is not always clear in advance.

Many money transfer apps use a different model. They hold balances in both currencies, so no money physically crosses the border: you pay in locally and the recipient is paid out locally. That is often faster and cheaper, with the final EUR amount fixed upfront.

Speed is not down to the provider alone: funding method, verification and holidays in the sending and receiving country. A first transfer can take longer as the provider completes its checks. Get verified before you need to send if the money has to arrive on a set date.

Chinese Yuan against Euro: the last twelve months

Over the past twelve months, the CNY/EUR rate has changed by +10.51%. During that year the top of the range was 0.134807 EUR for one CNY, and the low point came in at 0.120224. The current 0.134484 sits somewhere inside that range.

The spread between the year’s extremes shows how much the rate can move in practice. On a large conversion, the moment you choose can make a noticeable difference to what arrives, occasionally more than the difference between providers.

The rate reflects news, economic data and supply and demand on the market. These figures describe the past and say nothing about what comes next. If you are waiting for a particular level, a rate alert is a calmer option than trying to predict the market.

Sample calculation for 5,000.00 CNY

Take an amount of 5,000.00 CNY. Converted at the pure mid-market rate (0.134484), you can work out the upper limit of what the recipient could get. No service pays out that exact figure, since the margin and fees are taken out along the way.

Looking at all 8 providers we track, Revolut gave the best result: the recipient gets 669.06 EUR after all costs. The difference between that figure and the mid-market amount is what the conversion actually cost you.

Bear in mind that rankings shift with the amount you send. Fixed fees weigh heavily on small sums, whereas the margin in the rate becomes the bigger cost on larger transfers. Run your own figure through the converter to see the ranking that applies to you.