Exchange Monero (XMR) to Chinese Yuan (CNY) by Bank Transfer

Monero to yuan rate: what the payout depends on

Monero trades on the market around the clock, and its yuan payout rate changes along with the coin’s price. The chart shows the movement of the coin itself, and the data for this direction is in the block below.

Monero XMR→Bank transfer CNY

Exchange rate, 1 XMR =

3,826.94 CNY

Exchange data as of November 2, 2026 · floating rate

Minimum amount

0.093 XMR

Maximum amount

1,851.852 XMR

Reserve

898,742.27 CNY

The rate floats and is locked only after the network confirms your transfer the required number of times. Until then, the final amount may change. If you want to know the result in advance, select the paid “Fixed rate” option in the form.

XMR to CNY - Monero Price in Chinese Yuan

The exchange rate for this direction is 1 XMR = 3,826.94 CNY. This is the price at which BTCChange24 exchanges Monero for yuan paid to a bank account, not an exchange market quote.

The exchange rate may differ from XMR/CNY quotes on exchanges. The service fee is already built into it, and it is calculated differently for different amounts. To check the price for your amount, choose Monero XMR and Bank transfer CNY in the exchange form and enter the amount: you will see the final amount to receive before the order is created.

How many yuan you get for your XMR

Enter the amount of Monero in the calculator to see the estimated yuan amount. For popular amounts, the figures are already calculated in the table.

You sendXMR

You receive

≈ 3,826.94

CNY

Go to exchange

Rate for this amount: 1 XMR = 3,826.94 CNY

Why the amount for 1 XMR varies

The rate in this direction depends on the exchange amount, so each row of the table has its own rate. The calculator and the table use the same rules as the exchange form.

The calculation is an estimate. The exact amount will be known once the rate is locked by network confirmations.

How to exchange Monero for yuan: step-by-step guide

The exchange has three steps: create an order, send XMR, and wait for the yuan to arrive in your account.

1. 1

   Create an order

   Choose the pair, enter the amount, and fill in your bank details and contacts.

   You send

   Monero1 XMR

   You receive

   Bank transfer≈ 3,826.94 CNY

   Recipient details

   • Card number
   • IBAN
   • Account holder name
   • Bank name
   • Telegram or WhatsApp
   • E-mail

   Create order
2. 2

   Send XMR

   Transfer the exact amount to the address that appears in your order.

   Send exactly

   1 XMR

   To the address in your order

   The address appears once the order is created

   Waiting for network confirmations
3. 3

   Receive yuan

   The operator processes the order manually and transfers CNY to your bank account.

   Payout sent

   ≈ 3,826.94 CNY

   to your bank account

   Payout time: 30 minutes to 72 hours

Step 1. Create an order

Choose Monero XMR and Bank transfer CNY in the exchange form, then enter the amount. You will immediately see how many yuan are due for payout.

Open the XMR to CNY exchange form

Next, fill in the order fields:

• card number;
• IBAN;
• account holder name;
• bank name;
• Telegram or WhatsApp;
• e-mail.

Before you create the order, compare the details with the data in your banking app. Enable paid options only if you need them.

Step 2. Send XMR

The created order shows the address and the transfer amount. Send exactly this amount to exactly this address from your wallet or exchange.

• Check the address against your order, including both the beginning and the end of the string.
• If you withdraw coins from an exchange, account for its withdrawal fee: the amount from your order must arrive at the exchanger’s address.
• Save the transaction ID, as you will need it for any contact with support.

Step 3. Wait for the yuan in your account

After the transfer is confirmed on the network, the operator will process the order and send the yuan to the specified account. If you have questions, contact support on the website or in Telegram.

Order limits and yuan reserve

You can exchange from 0.093 XMR to 1,851.852 XMR in a single order.

The direction’s reserve currently has 898,742.27 CNY available. If your amount falls outside the limits or exceeds the reserve, the form will tell you, and support will advise you on the best next step.

How long it takes for yuan to reach your bank account

The total time has two parts: the network must confirm your transfer, and then the operator manually makes the payout.

Network confirmations

Until your transfer has the required number of confirmations, the rate is not locked and the order does not move forward. The required number is listed in the “Rules”. Speed also depends on network load.

Manual payout

The payout in this direction takes 30 minutes to 72 hours. If you need the yuan sooner, the form offers the paid “Urgent payout” option.

What to check if the payout is delayed

1. Find the transaction ID in your wallet or on the exchange.
2. Open the transaction in a block explorer and check how many confirmations it has.
3. Compare the amount and recipient address with your order.
4. If everything is correct but the payout period has passed, contact support.

In your message, include the order number and the transaction ID. Do not send Monero again.

Fees for exchanging Monero to yuan

BTCChange24 does not charge a separate exchange fee: it is included in the rate. The form shows the final amount you will receive before you create the order.

Costs of sending XMR

When you send Monero, you pay the network fee, which does not go to the exchanger. The amount depends on your wallet and network load. If you withdraw from an exchange, its own withdrawal fee also applies.

Paid form options

• “Personal payment to friends and family”;
• “Urgent payout”;
• “Payment screenshot required”;
• “Receive in a single payment”;
• “Priority support”;
• “Tip for the service”;
• “Fixed rate”.

None of them is required. The form shows how the selected options change the final amount before you create the order.

How to compare exchanger offers

Enter the same amount of XMR in different services and compare how many yuan you end up with. A stated commission percentage is not useful for this, because the final amount is what matters.

How to fill in bank details for a yuan payout

The yuan are sent using the details you entered in the order, and the payout depends on their accuracy. Check the fields before you send Monero.

• Card number and IBAN. Copy them from your banking app or documents without spaces or extra characters.
• Account holder name. Write it exactly as it appears at the bank. If the account belongs to another person, consider the “Personal payment to friends and family” option.
• Bank name. Enter the full name of the bank where the account is held.
• Telegram or WhatsApp. The operator will contact you about the order through this messenger.
• E-mail. Enter an address that you actually check.

Found a mistake after creating the order? Do not send XMR. Create a new order or contact support first.

Security: what to watch for when exchanging XMR to CNY

Use only the address from your own order

Use the address from the current order page, not from past exchanges or messages. Ignore messages “from the exchanger” that show a different address.

Keys and seed phrase stay with you

The exchange does not require your wallet seed phrase, view or spend keys, passwords, or bank codes. The order fields are all you need.

The account must be the one you intended

A bank transfer is hard to recover if it goes to the wrong place. If the yuan are meant for another person, use the “Personal payment to friends and family” option and double-check the account holder name and details.

Contact only official support

Resolve order questions through the chat on the website or in Telegram, the link to which is provided by the site itself. Do not reply to strangers who offer to help with your exchange.

If the Monero to yuan exchange does not go as expected

XMR sent, but the order status has not changed

Find the transaction ID. If you cannot find it, the transfer may not have left your wallet or exchange. If you have it, wait for confirmations and compare the amount and address with your order.

The yuan total differs from the calculation

The rate floats and is locked after confirmations, so the amount may move with the market. Next time, choose “Fixed rate” to know the result in advance.

A different amount of Monero was sent

Do not try to fix this with an additional transfer. Write to support with your order number, the amount actually sent, and the transaction ID.

Mistake in IBAN, card number or bank name

If you have not sent Monero yet, create a new order with the correct details. If the transfer has already gone out, contact support right away: the details can still be corrected until the payout is made.

Order completed, but the yuan are not in the account

Check the order status and the payout period, then review your transactions in the banking app. If the money still has not arrived, send the operator your order number and the bank name.

Questions about exchanging Monero to yuan

Summary: exchanging XMR to CNY at BTCChange24

Before you send Monero, check the XMR amount, the yuan calculation, the bank account details, and the address from your order again. Keep the transaction ID until the yuan arrive in your account.