Power Your Business
with RMB

Send, receive and manage payments to China faster, cheaper and more efficiently.

Lower Fees Save more on every transaction
Priority Support Dedicated account manager
Advanced Tools Reports, API, Automation
Secure & Compliant Bank-grade security & full compliance
Open Business Account Explore Features
RMBDESK Business dashboard on laptop and phone
Account Features
Multi-currency Accounts
Bulk Payments
Supplier Management
Real-time Rates
Transaction Reports
Team Access
API Integration
Automated Payments
Business Advantages
  • Better Exchange Rates Access wholesale rates and save more
  • Faster Settlements Priority processing for business payments
  • Dedicated Account Manager Personal support for your business
  • Secure & Compliant KYC, AML and bank-grade security
Choose Your Business Plan
Starter
Perfect for small businesses
Free
  • Up to 50 transactions per month
  • Standard rates
  • Basic reports
  • 24/7 Email support
Most Popular
Professional
For growing businesses
$29/month
  • Up to 500 transactions
  • Better exchange rates
  • Advanced reports
  • Priority support
  • API Access
Enterprise
For large organizations
Custom
  • Unlimited transactions
  • Best exchange rates
  • Dedicated manager
  • Custom integrations
  • Priority settlement

Accounts

One business profile, individual or company accounts, and full KYB verification for every team that trades with China.

Business profile One account for your company, with its own verification, limits and team.
KYB verification Company registration, directors and beneficial owners verified before you send.
Multi-currency balances Hold and track balances across every currency corridor you use.
Already have an individual account? You can add a business profile without losing your payment history.

Payments

The same quote-then-pay flow as Send Money, with higher limits and priority settlement for business accounts.

Quote first See your rate, fee and the CNY your supplier receives before you commit.
Priority settlement Business payments are routed with priority processing once compliance clears.
Bank or mobile money Pay from your local collection method of choice, same as on individual accounts.
See how a payment works end to end →

Beneficiaries

Save your suppliers once, screen them once, and reuse them on every future payment.

Saved supplier list Store bank, Alipay or WeChat details for every supplier you work with.
Beneficiary screening Each supplier is screened the first time they're added, not on every payment.

Transactions

Every payment stays visible from creation to completion, with a full history for your team.

StatusWhat it means
Awaiting PaymentQuote accepted, waiting for your funds to arrive
Compliance CheckIdentity and beneficiary screening in progress
RMB ProcessingChecks passed, settlement to your supplier under way
CompletedYour supplier has received payment

Rates & Orders

Live rates for every corridor, locked in for 30 seconds the moment you request a quote.

Live market rates Pulled from our FX partners and updated continuously.
30-second lock Your quoted rate holds for 30 seconds so the number you see is the number you pay.
Better business rates Business accounts get a lower spread than individual accounts.
View live rates →

Team & Access

Add teammates to your business account and control who can send, approve or just view payments.

Multi-user access Invite finance, operations or founders onto the same business account.
Role-based permissions Decide who can create payments versus who can only view transaction history.

Reports & Statements

Export your payment history for bookkeeping, audits or your own finance team.

Volume reports See total volume and payment counts over any date range.
CSV export Download your full transaction history for reconciliation.
Per-supplier statements Filter history by beneficiary to track spend with a single supplier.

Settings

Manage your business profile, notification preferences and security settings in one place.

Business profile Update company details, registration documents and contact information.
Security Password, two-factor authentication and login activity for your account.