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China WFOE Cross-Border Payments & Capital Injection

Getting money into your company, paying overseas, and sending profits home — the flows that make a China company actually usable. Here's how they work, set up right by HCSG.

China-based · Hainan FTP specialists

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Money flows

directions: in from abroad, out to the world

routine profits move without separate forex approval

China WFOE cross-border payments are how your foreign-owned company moves money across China's border — receiving capital from abroad, paying overseas suppliers, and sending profits home. It starts with capital injection: your committed registered capital is paid in over time into a foreign-currency capital account, opened as part of bank onboarding. From there your company can pay overseas suppliers and receive payment from international clients, and move routine profits out of China without a separate forex approval. The flows sit between your bank and the rules, so the accounts have to be set up correctly from the start. HCSG structures your accounts and guides the cross-border flows so money moves cleanly in and out.

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At a glance

Cross-border money at a glance

directions

In from abroad, and out to suppliers, clients and home.

forex approval for routine remittance

No separate approval to move routine profits out of China.

foreign-currency account

Opened during bank onboarding for cross-border funds.

Over time

how capital is injected

Committed capital is paid in gradually, not all upfront.

The basics

How China WFOE cross-border payments work

Three flows, one well-set-up pair of accounts.

Money in

Capital & revenue

Your capital and payments from international clients arrive in the foreign-currency account.

Money around

Pay & get paid

Pay overseas suppliers and receive from clients, converting to and from RMB as needed.

Money out

Profit remittance

Move routine profits out of China — no separate forex approval is needed for that.

Capital injection, done sensibly

Your registered capital isn't paid all at once or handed to anyone — it's contributed over time into your foreign-currency capital account as your business needs it. There's no fixed legal minimum for most businesses; we usually recommend a credible, practical figure. HCSG structures the capital account and the injection so it supports your banking and operations from day one.

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Money in and out, without the guesswork

Cross-border flows feel daunting, but for a properly set-up company they're routine. HCSG sets your accounts up correctly and guides the payments, so paying a supplier abroad or taking profit home is a normal transaction — not a compliance puzzle you solve alone.

How we help

How HCSG handles this for you

We make your China company genuinely usable across borders.

Set up the right accounts

We structure the foreign-currency capital and RMB operating accounts for clean flows.

Plan capital injection

We help you inject capital over time in a way that suits your business and banking.

Guide cross-border payments

Paying overseas suppliers and receiving from clients — set up so it just works.

Keep profit remittance clean

We make sure routine profits move out smoothly, without a separate forex approval.

The outcome: a China company that can take money in, trade across borders, and send profit home — cleanly.

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Good to know

Questions founders ask us

Specific, net-new answers — not a repeat of the guide above.

Do I have to pay all my registered capital in at once?+

No. For most businesses there's no fixed legal minimum, and capital is contributed over time into your foreign-currency capital account rather than all upfront. We advise on a credible figure and the timing.

Can I move profits out of China?+

Yes. Routine profit remittance does not need a separate forex approval — the foreign-currency account set up during onboarding handles it. We make sure the accounts are structured so it's smooth.

In what currency can I inject capital?+

Capital can be injected in foreign currency into the capital account and converted as needed. Day-to-day domestic operations run in RMB. We set both accounts up to work together.

Can my WFOE pay overseas suppliers directly?+

Yes — that's a core reason to have a China company with the right accounts. We set up the cross-border payments so paying abroad is a normal transaction.

Is there a limit on what I can send in or out?+

Cross-border flows follow the rules and your bank's processes, and clean documentation keeps them moving. We structure the accounts and guide the paperwork so transfers aren't held up.

What's the difference between the capital account and the operating account?+

The foreign-currency capital account handles money from abroad and your capital; the RMB operating account runs day-to-day business in China. Most companies use both, opened together.

Does receiving foreign payments complicate my tax?+

Earning across borders has tax implications, which is why the setup should be planned with both banking and tax in mind. We coordinate the two so nothing is a surprise.

Can HCSG handle the whole money-flow setup?+

Yes. We structure the accounts, plan your capital injection, and guide your cross-border payments and profit remittance — so your company is usable from day one.

Still have questions? Contact our team

In this series

Keep reading

Open a corporate bank account in China Set up a WFOE in the Hainan FTP WFOE registered capital explained Our company-formation service

Published by the HCSG Publishing Department. This guidance reflects the current Hainan Free Trade Port policy framework and HCSG's advisory practice. For your specific situation, contact our team for a tailored consultation. Reviewed and maintained by the HCSG Publishing Department · Updated June 2026.

Want money to move cleanly in and out?

We'll structure your accounts and guide capital injection, cross-border payments and profit remittance — set up right from the start.

Set up your accounts right

China-based team · Hainan FTP specialists