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B1 noun 9 min read

汇款

huikuan

Practice it Examples Notes & Tips 汇款 in 30 Seconds

Explanation 汇款 in your Level:

At the A1 level, you don't need to use the word '汇款' (huìkuǎn) yet. Instead, you focus on simple words like '钱' (qián - money), '给' (gěi - give), and '银行' (yínháng - bank). You might say '给钱' (give money) or '去银行' (go to the bank). However, it is good to recognize '汇款' if you see it on a sign at the bank. Think of it as a formal way of saying 'sending money.' At this stage, just remember that '汇' means 'to send/converge' and '款' means 'money.' If you see these two characters together, someone is moving money through a bank. You don't need to worry about the complex grammar yet; just know it's a 'bank word.'

At the A2 level, you are starting to handle basic practical tasks. You might need to go to a bank in China to pay your rent or send money. You should learn '汇款' as a noun. You might hear a bank teller say '请汇款' (Please remit/send the money). You can use simple sentences like '我要汇款' (I want to remit money). You should also learn the basic partner word '汇款单' (huìkuǎndān), which is the paper form you fill out to send money. At this level, you are moving beyond just 'giving money' to understanding that banks have specific names for these actions. You should be able to recognize the word in an app or on a website.

B1 is the level where '汇款' becomes an essential part of your vocabulary. You are now expected to handle more complex situations, such as explaining why you are sending money or asking about transaction fees. You should use the correct measure word '笔' (bǐ) and say '一笔汇款.' You should also understand the difference between '汇款' (formal remittance) and '转账' (electronic transfer). You can form sentences like '汇款手续费是多少？' (How much is the remittance fee?) and '这笔汇款什么时候到账？' (When will this remittance arrive?). This is the level where you use the word correctly in professional and administrative contexts.

At the B2 level, you should be comfortable using '汇款' in business discussions and more formal writing. You should understand related terms like '国际汇款' (international remittance) and '电汇' (telegraphic transfer/wire transfer). You can discuss the advantages and disadvantages of different remittance methods. You should also be able to use '汇款' in passive sentences, such as '这笔汇款已经被银行拦截了' (This remittance has been intercepted by the bank). You are expected to understand the nuances of financial security and be able to read bank terms and conditions that include this word. Your usage should sound natural and professional.

At the C1 level, you use '汇款' with precision in specialized fields like finance, law, or economics. You understand the historical and economic significance of remittances (侨汇) in China. You can use the word in complex structures and idiomatic expressions. For example, you might analyze how '跨境汇款' (cross-border remittance) policies affect international trade. You can distinguish between '汇款' and more legalistic terms like '交付' (delivery of payment) or '清算' (settlement). You are capable of writing formal business proposals or legal complaints regarding failed or fraudulent remittances. Your vocabulary around this topic is deep and nuanced.

At the C2 level, you have a masterly command of '汇款' and all its technical variations. You can participate in high-level debates about global financial systems, anti-money laundering (反洗钱) regulations, and the impact of digital currencies on traditional '汇款' systems. You understand the literary or archaic uses of the characters '汇' and '款' in classical Chinese. You can read complex financial audits and legal statutes involving remittance law without difficulty. You can use the word with perfect tone and register, whether you are giving a keynote speech at a financial summit or negotiating a multi-billion dollar international contract.

Practice it Examples Notes & Tips

汇款 in 30 Seconds

汇款 (huìkuǎn) is a formal B1-level Chinese word for 'remittance' or 'sending money' through official channels like banks.
It is commonly used as a noun ('a remittance') with the measure word '笔' (bǐ), or as a verb ('to remit').
It is more professional than '寄钱' (jìqián) and specifically implies a formal process compared to '转账' (zhuǎnzhàng).
Essential for banking, business, and international tuition payments, it often involves forms (汇款单) and fees (手续费).

The Chinese word 汇款 (huìkuǎn) is a fundamental term in the world of finance and daily administration, specifically categorized at the B1 level of the CEFR. At its core, it refers to a remittance—a sum of money sent from one party to another, typically through a bank or a specialized money transfer service. While in English we might simply say 'send money' or 'transfer,' 汇款 carries a slightly more formal or official weight, often associated with the process of filling out forms or executing a specific transaction through a financial institution.

Etymological Breakdown: The character 汇 (huì) means to converge, to collect, or to remit. It suggests the movement of various streams into one place. The character 款 (kuǎn) refers to a sum of money, a fund, or a clause in a document. Together, they literally describe the 'remitting of funds.'
Usage Contexts: You will encounter this word most frequently when dealing with international bank transfers, sending tuition fees to a university, or when overseas workers send support back to their families. It is the standard term used on banking slips and mobile banking apps in China.

我需要去银行办理一笔汇款到国外。 (I need to go to the bank to process a remittance abroad.)

In the modern digital age, while '转账' (zhuǎnzhàng - transfer) is used for moving money between digital wallets like WeChat Pay or Alipay, 汇款 remains the dominant term for more formal, structured, or cross-border transactions. It implies a paper trail and a formal procedure. For instance, if you are paying for an international order via a bank wire, you are making a 汇款. If you are sending money to a relative via a postal service, that is also a 汇款.

这笔汇款预计在三个工作日内到账。 (This remittance is expected to arrive within three working days.)

Grammatical Role: While 汇款 can function as a verb ('to remit'), it is very commonly used as a noun ('a remittance'). When used as a verb, it often takes a direct object or is preceded by '给' (to/for) to indicate the recipient.

请确认您的汇款信息是否正确。 (Please confirm if your remittance information is correct.)

In summary, 汇款 is a vital word for anyone navigating the Chinese financial system, studying abroad in China, or conducting business. It covers everything from the physical act of sending money at a counter to the digital confirmation of a multi-million dollar corporate payment. Understanding its formal nuance helps learners distinguish between casual money sharing and serious financial transactions.

Using 汇款 correctly requires an understanding of its collocation with specific verbs and measure words. Because it is a formal term, it pairs with formal verbs. The most common measure word for 汇款 is 笔 (bǐ), which is used for sums of money, transactions, or deals.

Common Verb Pairings

办理 (bànlǐ) 汇款: To process or handle a remittance. This is used when you are at the bank counter or in an app performing the action.
收到 (shōudào) 汇款: To receive a remittance.
确认 (quèrèn) 汇款: To confirm a remittance (often used by businesses after receiving payment).
拦截 (lánjié) 汇款: To intercept or stop a remittance (often in the context of fraud prevention).

由于系统故障，这笔汇款被延迟了。 (Due to a system failure, this remittance was delayed.)

When using 汇款 as a verb, the structure is typically [Subject] + 给 (to) + [Recipient] + 汇款. Alternatively, you can use it as a standalone verb: [Subject] + 汇款 + [Amount]. However, in modern Mandarin, it is much more common to use it as a noun phrase like '进行汇款' (to carry out a remittance).

你可以通过网上银行给父母汇款。 (You can remit money to your parents through online banking.)

For students, a common sentence pattern involves explaining the purpose of the money. Use the structure: 这笔汇款是用来 [Purpose] 的 (This remittance is used for...). This is very helpful when banks ask for the reason for a transfer.

这笔汇款是用来支付下学期学费的。 (This remittance is used to pay for next semester's tuition.)

Negative Sentences: If a remittance fails, you might say: 汇款没有成功 (The remittance was not successful) or 汇款被退回了 (The remittance was returned).

如果账号错误，汇款会被银行退回。 (If the account number is wrong, the remittance will be returned by the bank.)

Mastering these patterns ensures that you can handle financial interactions in Chinese with confidence, whether you are the sender or the receiver. Pay close attention to the measure word '笔', as using '个' or '件' would sound unnatural to a native speaker.

In contemporary China, you will hear 汇款 in specific environments that demand formal financial terminology. While mobile payments (Alipay/WeChat) have made small transfers effortless, the word 汇款 still holds its ground in several key areas.

1. At the Bank (银行): When you walk into a branch of the Bank of China or ICBC, the signs for the service counters will often include '汇款业务' (Remittance Services). When the teller asks, '您要办理什么业务？' (What service would you like?), your response would be '我要办理汇款' (I want to process a remittance).
2. International Business (国际贸易): In emails between companies, 汇款 is the standard term. A supplier might send an email saying, '请在发货前完成汇款' (Please complete the remittance before shipment). It sounds much more professional than the informal '打钱' (sending money).

银行职员：请填写这张汇款单。 (Bank Clerk: Please fill out this remittance form.)

You will also hear this word in the news, particularly in reports about the economy. Economists discuss '侨汇' (qiáohuì), which refers to remittances sent home by citizens working abroad. This is a significant part of the global economy, and the word 汇款 is the baseline for these discussions.

新闻报道：今年海外汇款总额创下了新高。 (News Report: The total amount of overseas remittances hit a new high this year.)

Another place you might encounter this word is in anti-fraud announcements (防诈骗提示). Chinese police and banks frequently post warnings like '不要给陌生人汇款' (Do not remit money to strangers). Because scams often involve large, formal bank transfers, the word 汇款 is used to emphasize the seriousness of the action.

警示牌：谨防电信诈骗，切勿给不明账户汇款。 (Warning sign: Beware of telecom fraud; never remit money to unknown accounts.)

In summary, while you might use '给钱' (give money) with friends, 汇款 is the word of the adult, professional, and institutional world. Hearing it usually signals that a formal financial process is underway.

Even intermediate learners often stumble when using 汇款. The mistakes usually fall into three categories: confusing it with similar words, using the wrong measure word, or misapplying its formality level.

Mistake 1: Confusing 汇款 with 转账 (zhuǎnzhàng): 转账 is the general term for 'transferring' money between accounts, especially electronically. 汇款 specifically implies 'remitting' or 'sending' money, often over a distance or through a third-party service. While they are often interchangeable in casual speech, you shouldn't call a simple WeChat transfer to a friend a '汇款'—it sounds too stiff and official. Use '转账' for apps and '汇款' for banks or international wires.
Mistake 2: Using the wrong measure word: Students often use '一个' (yī gè) for everything. However, for 汇款, you must use '一笔' (yī bǐ). Saying '一个汇款' is a clear sign of a non-native speaker. '笔' is used for transactions, debts, and sums of money.

❌ 错误：我收到了一个汇款。
✅ 正确：我收到了一笔汇款。

Another common error is confusing 汇款 with 存款 (cúnkuǎn - deposit) or 取款 (qǔkuǎn - withdrawal). Remember: 存 (cún) is putting money in, 取 (qǔ) is taking money out, and 汇 (huì) is sending money away.

Learners also sometimes forget that 汇款 can be a verb-object (VO) compound. If you want to say 'I remitted the money,' you can say '我汇了款' (I remitted money) or '我汇款了.' You cannot say '我汇款钱' because '款' already means money. Adding '钱' (qián) at the end is redundant and grammatically incorrect.

❌ 错误：我要汇款钱给老师。
✅ 正确：我要汇一笔钱给老师。 / 我要给老师汇款。

Finally, be careful with the word 拨款 (bōkuǎn). While both involve moving money, 拨款 means 'to allocate funds' or 'to grant money,' usually from a government or a large organization to a specific project. 汇款 is the act of sending it, while 拨款 is the official decision to distribute it.

To truly master 汇款, you need to know how it compares to its synonyms and near-synonyms. Choosing the right word depends on the formality, the method of transfer, and the relationship between the parties.

汇款 vs. 转账 (zhuǎnzhàng): 汇款 (Remittance): More formal. Often implies cross-border or bank-to-bank via a specific service. Focuses on the 'sending' aspect.
转账 (Transfer): More common for digital and daily transactions. Focuses on the 'moving' of numbers from one account to another.
汇款 vs. 寄钱 (jìqián): 寄钱 (Send money): Very informal. Literally 'to mail money.' You use this with family and friends. '我给家里寄了点钱' (I sent some money home). 汇款 is the professional version of this.
汇款 vs. 交付 (jiāofù): 交付 (Deliver/Pay): High-level formal Chinese. Used in legal contracts. It means to hand over or deliver payment. 汇款 is the physical action, while 交付 is the legal fulfillment of a payment obligation.

比较：
1. 妈妈，我给你寄钱了。(Casual)
2. 客户已经办理了汇款。(Business)
3. 双方已完成资金交付。(Legal)

In some specialized contexts, you might hear '汇付' (huìfù). This is a technical term in international trade (Remittance payment method), often contrasted with '信用证' (Letter of Credit). Unless you are a logistics or finance professional, 汇款 is the word you should stick with.

Another related word is '打钱' (dǎqián). This is very colloquial, often used in internet slang or between close friends. For example, '快给我打钱' (Quick, send me money). It’s the equivalent of saying 'shoot me some cash' in English. Never use '打钱' in a bank or an official email!

如果你想显得更有礼貌，可以说：“我已经把钱汇到您的账户了。” (If you want to sound more polite, you can say: "I have already remitted the money to your account.")

By understanding these nuances, you can navigate different social levels in China—from the casual streets to the high-rise office buildings—using the appropriate financial terminology for each situation.

How Formal Is It?

Fun Fact

The character 汇 contains the 'water' radical (氵), which is appropriate because money in many cultures is metaphorically compared to liquid (liquidity, cash flow).

Pronunciation Guide

UK /hweɪ kwʌn/

US /hweɪ kwɑn/

The stress is balanced between the two syllables, but in Mandarin, the tones (4th and 3rd) are more important than stress.

Rhymes With

对款 (duìkuǎn) 退款 (tuìkuǎn) 贷款 (dàikuǎn) 存款 (cúnkuǎn) 罚款 (fákuǎn) 拨款 (bōkuǎn) 欠款 (qiànkuǎn) 筹款 (chóukuǎn)

Common Errors

Pronouncing 'hui' as 'who-ee'. It should be a single diphthong like 'way'.
Getting the tones wrong. 4th tone (falling) on 汇 and 3rd tone (dipping) on 款.
Confusing 'kuan' with 'kun'. Ensure the 'a' sound is distinct.
Stressing the second syllable too much, making it sound like a question.
Mumbling the 'h' sound in 'hui'.

Difficulty Rating

Reading 3/5

The characters are not overly complex but are specific to financial contexts.

Writing 4/5

The character '汇' has a specific stroke order that can be tricky.

Speaking 3/5

Tones are clear, but must be distinguished from '会款' (meeting funds - non-existent).

Listening 3/5

Easy to recognize in a bank or airport setting.

What to Learn Next

Prerequisites

钱 (Money) 银行 (Bank) 给 (Give) 寄 (Send/Mail) 单 (Form/List)

Learn Next

手续费 (Processing fee) 到账 (To arrive in an account) 汇率 (Exchange rate) 利息 (Interest) 贷款 (Loan)

Advanced

洗钱 (Money laundering) 资本管制 (Capital control) 外汇储备 (Foreign exchange reserves) 清算系统 (Settlement system) 数字货币 (Digital currency)

Grammar to Know

Measure Words for Money

一笔汇款 (A remittance), 一笔钱 (A sum of money).

Separable Verbs (VO)

汇了一次款 (Remitted once).

Purpose with 是...的

这笔汇款是给爸爸买药的。

Passive Voice with 被

汇款被银行拦截了。

Prepositional Phrases with 给

我给朋友汇款。

Examples by Level

我去银行汇款。

I go to the bank to remit money.

Subject + Verb + Object.

这是我的汇款。

This is my remittance.

Simple identification sentence.

我要汇款。

I want to remit money.

Using '要' for desire/intent.

汇款在这里。

The remittance is here.

Locative sentence.

给老师汇款。

Remit money to the teacher.

Prepositional phrase '给' + Recipient.

汇款多少钱？

How much is the remittance?

Question about quantity.

汇款成功了。

The remittance is successful.

Verb + Resultative complement '成功'.

不汇款。

Do not remit money.

Negative '不'.

请填写汇款单。

Please fill out the remittance form.

Polite imperative '请'.

汇款手续费太贵了。

The remittance fee is too expensive.

Subject (noun phrase) + Adjective.

你可以网上汇款。

You can remit money online.

Adverb '网上' modifying the verb.

我收到了一笔汇款。

I received a remittance.

Use of measure word '笔'.

汇款需要护照吗？

Does remitting money require a passport?

Question using '需要'.

汇款已经寄出了。

The remittance has already been sent.

Resultative complement '寄出'.

他给我汇款了五百块。

He remitted 500 yuan to me.

Double object construction.

汇款的时候要小心。

Be careful when remitting money.

...的时候 (When...).

这笔汇款是用来付房租的。

This remittance is for paying rent.

是...的 construction for purpose.

请确认汇款路径是否正确。

Please confirm if the remittance path is correct.

Whether... or not (是否).

由于信息错误，汇款被退回了。

Due to incorrect information, the remittance was returned.

Passive '被' construction.

国际汇款通常需要三天时间。

International remittances usually take three days.

General statement about duration.

他在办理汇款业务。

He is processing a remittance transaction.

Continuous aspect with '在'.

我们需要核对这笔汇款的金额。

We need to verify the amount of this remittance.

Verb '核对' (to verify/check).

汇款人必须签名。

The remitter must sign.

Noun '汇款人' (remitter).

电子汇款比邮寄更方便。

Electronic remittance is more convenient than mailing.

Comparison using '比'.

银行对跨境汇款有严格的审查。

Banks have strict reviews for cross-border remittances.

Preposition '对' indicating the object of the review.

汇款额度超过了当天的限制。

The remittance amount exceeded the daily limit.

Verb '超过' (exceed).

请保留好汇款凭证，以备查询。

Please keep the remittance voucher for future reference.

Conjunction '以备' (to prepare for/in case of).

这笔汇款涉及商业秘密。

This remittance involves trade secrets.

Verb '涉及' (involve/relate to).

汇款手续费将从总额中扣除。

The remittance fee will be deducted from the total amount.

Future '将' and '从...中' structure.

他通过非法渠道进行汇款。

He remitted money through illegal channels.

Prepositional phrase '通过...渠道'.

由于汇率波动，汇款金额有所减少。

Due to exchange rate fluctuations, the remittance amount decreased slightly.

Phrase '有所' + Verb (to some extent).

确认收到汇款后，我们会立即发货。

After confirming receipt of the remittance, we will ship immediately.

...后 (After...).

该项政策旨在简化中小企业的汇款流程。

This policy aims to simplify the remittance process for SMEs.

Formal phrase '旨在' (aims to).

大额汇款必须申报来源。

Large remittances must declare their source.

Noun '来源' (source/origin).

汇款系统遭遇了黑客攻击。

The remittance system suffered a hacker attack.

Verb '遭遇' (suffer/encounter).

这笔汇款的受益人身份尚不明确。

The identity of the beneficiary of this remittance is not yet clear.

Formal word '尚' (still/yet).

金融机构有义务监控可疑汇款。

Financial institutions have an obligation to monitor suspicious remittances.

Noun '义务' (obligation/duty).

汇款滞后导致了合同违约。

Delayed remittance led to a breach of contract.

Noun '滞后' (lag/delay).

反洗钱法对异常汇款有明确规定。

Anti-money laundering laws have clear provisions for abnormal remittances.

Preposition '对' + Object + '规定'.

该公司的汇款记录显示存在财务造假。

The company's remittance records show financial fraud.

Verb '显示' (show/indicate).

汇款制度的演变折射出全球金融体系的变革。

The evolution of the remittance system reflects changes in the global financial system.

Metaphorical verb '折射' (reflect).

侨汇对于发展中国家的国际收支平衡至关重要。

Remittances are crucial for the balance of payments in developing countries.

Idiomatic phrase '至关重要' (extremely important).

区块链技术正重塑传统的汇款模式。

Blockchain technology is reshaping traditional remittance models.

Progressive aspect '正' (in the process of).

汇款中介机构的监管真空亟待填补。

The regulatory vacuum for remittance intermediaries urgently needs to be filled.

Formal phrase '亟待' (urgently needs).

这笔汇款被视为政治献金而引发争议。

This remittance was seen as a political donation and sparked controversy.

Passive/Status phrase '被视为' (be seen as).

汇款手续费的透明化是金融普惠的重要一步。

Transparency in remittance fees is an important step for financial inclusion.

Noun '透明化' (transparency).

汇款路径的复杂性增加了审计的难度。

The complexity of remittance paths increases the difficulty of auditing.

Noun '复杂性' (complexity).

洗钱者往往利用零散汇款来规避监控。

Money launderers often use fragmented remittances to evade monitoring.

Verb '规避' (evade/circumvent).

Common Collocations

办理汇款

收到汇款

电子汇款

国际汇款

汇款手续费

汇款单

确认汇款

汇款人

撤销汇款

汇款凭证

Common Phrases

汇款到账

— The remittance has arrived in the account. Used to check status.

我的汇款到账了吗？

跨行汇款

— Inter-bank remittance. Sending money to a different bank.

跨行汇款可能需要更长时间。

实时汇款

— Real-time remittance. Instant transfer of funds.

我们支持实时汇款服务。

异地汇款

— Non-local remittance. Sending money to a different city.

异地汇款手续费有优惠。

境外汇款

— Overseas remittance. Sending money out of the country.

境外汇款有额度限制。

自动汇款

— Automatic remittance. Regularly scheduled payments.

我设置了每月自动汇款。

汇款路径

— Remittance path. The route money takes between banks.

汇款路径选择不当会导致延迟。

汇款限额

— Remittance limit. The maximum amount allowed to be sent.

今天的汇款限额已满。

汇款通知

— Remittance notice. An alert that money has been sent.

我收到了银行的汇款通知。

虚假汇款

— Fake remittance. A scam involving non-existent transfers.

谨防虚假汇款诈骗。

Often Confused With

汇款 vs 转账

转账 is moving numbers between accounts; 汇款 is remitting money, often across distances.

汇款 vs 拨款

拨款 is an institutional allocation of funds; 汇款 is the act of sending money.

汇款 vs 存款

存款 is putting money into your own account; 汇款 is sending it to someone else.

Idioms & Expressions

"汇款如流"

— This is a modern figurative expression. It suggests money flowing in smoothly and constantly.

生意兴隆，汇款如流。

Informal/Figurative

"钱货两清"

— Money and goods are both settled. Often follows a successful remittance.

只要汇款一到，我们就钱货两清。

Neutral

"落袋为安"

— Money is only safe once it is in the bag (received). Used regarding confirming a remittance.

没收到汇款前不算数，落袋为安嘛。

Informal

"分文不差"

— Not a cent missing. Used when confirming the exact amount of a remittance.

汇款金额分文不差。

Formal

"量入为出"

— Spend according to income. Related to managing how much one can remit.

我们要量入为出，不能盲目汇款。

Formal/Literary

"一诺千金"

— A promise worth a thousand gold pieces. Used when someone promises to remit money.

他一诺千金，肯定会按时汇款。

Literary

"坐地起价"

— To raise prices on the spot. Often related to high remittance fees during crises.

有些小银行在汇款手续费上坐地起价。

Informal

"礼尚往来"

— Courtesy demands reciprocity. Often used when families remit money back and forth.

亲戚之间汇款也是礼尚往来。

Neutral

"细水长流"

— Small streams flow far. Encouraging regular small remittances rather than one big risky one.

汇款要细水长流，不要一次花光。

Neutral

"开源节流"

— Increase income and decrease expenditure. General financial advice involving remittances.

通过开源节流，他每个月都能给家里汇款。

Formal

Easily Confused

汇款 vs 汇款

Both involve money and the character 款.

汇款 is sending money; 贷款 is borrowing money from a bank.

我汇款还贷款。 (I remit money to pay back the loan.)

汇款 vs 退款

Both end in 款.

汇款 is sending payment; 退款 is getting a refund.

汇款失败后，银行给我退款了。

汇款 vs 罚款

Both end in 款.

汇款 is a general transfer; 罚款 is a penalty/fine.

他因为交通违章交了罚款。

汇款 vs 筹款

Both end in 款.

汇款 is sending existing money; 筹款 is raising new money (e.g., for charity).

学校正在为灾区筹款。

汇款 vs 取款

Opposite actions at the bank.

汇款 is sending; 取款 is withdrawing cash.

我先取款，然后再办理汇款。

Sentence Patterns

我要汇款 [Amount] 给 [Person]。

我要汇款一千元给妈妈。

这笔汇款是用来 [Action] 的。

这笔汇款是用来交学费的。

请确认 [Information] 是否正确。

请确认汇款账号是否正确。

由于 [Reason]，汇款被 [Result]。

由于账号错误，汇款被退回了。

通过 [Method] 进行汇款。

通过网上银行进行汇款。

该汇款涉及 [Subject]。

该汇款涉及国际贸易纠纷。

旨在 [Goal] 的汇款政策。

旨在打击洗钱的汇款政策。

[Subject] 折射出 [Abstract Concept]。

汇款额的增长折射出经济的复苏。

Word Family

Nouns

汇款人 (Remitter)

收款人 (Payee/Recipient)

汇款单 (Remittance form)

汇款额 (Remittance amount)

Verbs

汇 (To remit)

汇付 (To pay by remittance)

汇入 (To remit in)

汇出 (To remit out)

Adjectives

汇款的 (Remittance-related)

银行

账户

利息

货币

外汇

How to Use It

frequency

High in financial and administrative contexts; medium in daily life due to the rise of '转账'.

Common Mistakes

Using '个' as a measure word. → 使用 '笔'.
In Chinese, specific nouns require specific measure words. Money transactions always use '笔'.
Saying '汇款钱'. → 直接说 '汇款' 或 '汇一笔钱'.
The character '款' already means money. Adding '钱' at the end is redundant.
Confusing 汇款 with 贷款. → 根据语境选择.
汇款 is sending money; 贷款 is borrowing money. Mixing them up at a bank could be very problematic!
Using 汇款 for small WeChat transfers. → 使用 '转账'.
Using 汇款 for a 10-yuan coffee payment is too formal and sounds unnatural.
Misplacing the recipient in the sentence. → 给 [Person] 汇款.
The recipient should follow the preposition '给', not the verb '汇款'.

Tips

Use '笔' for accuracy

Always pair '汇款' with the measure word '笔'. It makes you sound much more like a native speaker and shows you understand financial Chinese.

Formal is safer

When dealing with any official institution in China, use '汇款'. It signals that you are taking the transaction seriously and understand the procedure.

Tone check

Make sure the 4th tone on '汇' is sharp. If you say it with a 2nd tone, it sounds like '回' (return), which might confuse the teller.

Learn '到账'

Always learn '汇款' together with '到账' (to arrive). You will almost always use them in the same conversation.

Fill the form

Practice writing your name and account details in Chinese characters, as you will need this for the '汇款单'.

Anti-fraud

If someone you don't know asks for a '汇款', it is almost certainly a scam. Formal '汇款' is rarely used in casual social situations.

Bank hours

International '汇款' often has a cut-off time (e.g., 3 PM). If you remit after this, it won't be processed until the next day.

App usage

In banking apps, look for the icon that looks like an envelope or a card with an arrow. It will likely be labeled '汇款'.

Confirming receipt

After you send a '汇款', it is polite to send a message saying '汇款已办妥' (The remittance has been handled).

HSK Tip

This word frequently appears in HSK 4 and 5 reading sections. Memorize it as part of the 'Bank/Economy' word cluster.

Memorize It

Mnemonic

Imagine a Way (Hui sounds like Way) for Cash (Kuan sounds like Cash) to travel across the world. It is the Way of Cash.

Visual Association

Visualize a bank counter with a sign that has a picture of a globe and a dollar sign with an arrow pointing across the ocean.

Word Web

Bank Money Transfer International Fee Recipient Account Form

Challenge

Go to a Chinese banking app (or a demo version) and try to find the button for '汇款'. Write down the steps you see in Chinese.

Word Origin

The word is a compound of two characters. '汇' (huì) originally meant water flowing together or converging. '款' (kuǎn) historically referred to a sincere desire or a clause/item, later evolving to mean money or funds in the Song Dynasty.

Original meaning: Flowing funds or money moving in a stream.

Sino-Tibetan (Sinitic).

Cultural Context

Be careful when discussing 汇款 in the context of 'underground banks' (地下钱庄), as this is illegal and sensitive in China.

In English-speaking countries, we often use 'wire transfer' or 'bank transfer.' 汇款 is the direct equivalent of these formal terms.

The 'Qiaopi' Museum in Shantou documents the history of early remittances. The movie 'Coming Home' (归来) touches on the importance of family support across distances. News articles about 'Belt and Road' projects often mention '跨境汇款' (cross-border remittance).

Practice in Real Life

Real-World Contexts

At the Bank

我要办理汇款。
手续费是多少？
请给我一张汇款单。
汇款什么时候能到？

Business Email

请查收汇款凭证。
我们会尽快安排汇款。
汇款金额已确认。
请提供您的汇款路径。

Family Talk

钱汇给你们了。
收到了吗？
别省着花，我再汇。
汇款手续费太贵了。

Online Shopping

支持银行汇款吗？
汇款后请告知。
上传汇款截图。
汇款已超时。

Legal/Fraud Warning

切勿给陌生人汇款。
汇款需谨慎。
核实对方身份。
异常汇款预警。

Conversation Starters

"你通常用什么方式给家里汇款？"

"你知道国际汇款的手续费一般是多少吗？"

"办理汇款的时候，你需要带哪些证件？"

"如果你汇款汇错了账号，你会怎么办？"

"你觉得手机汇款安全还是去银行柜台汇款安全？"

Journal Prompts

描述一次你去银行办理汇款的经历。你遇到了什么困难吗？

写一段关于如何防范汇款诈骗的建议。

如果你有一大笔钱要汇给一个远方的朋友，你会告诉他这笔钱是用来做什么的？

比较一下传统的汇款方式和现在的移动支付转账。

想象你是古代的一个商人，你需要给远方的伙伴寄钱，你会怎么做？

Frequently Asked Questions

10 questions

It can be both! As a noun, it means 'a remittance' (e.g., 一笔汇款). As a verb, it means 'to remit' (e.g., 我给你汇款). In modern usage, it is often used as a noun with the verb '办理' (to process).

转账 (zhuǎnzhàng) is a general term for transferring money between accounts, commonly used for mobile apps like Alipay. 汇款 (huìkuǎn) is more formal and usually refers to bank-mediated transfers, often international or involving specific remittance services.

Usually, no. For WeChat Pay or Alipay, the standard term is '转账'. Using '汇款' for a 5-yuan transfer to a friend sounds very strange and overly formal.

Always use '笔' (bǐ). For example, '三笔汇款' (three remittances). Never use '个' or '件'.

It is '汇款手续费' (huìkuǎn shǒuxùfèi). '手续费' means processing or service fee.

A '汇款单' is the physical or digital form you fill out to initiate a remittance. It requires the recipient's name, account number, and bank details.

No, it can be domestic (within the same country), but it typically implies a formal bank process rather than a quick digital transfer.

You can say '汇款还没到账' (huìkuǎn hái méi dàozhàng).

Yes, especially for large bills like tuition (学费) or rent (房租) where a formal bank record is needed.

The most common informal/slang way to say 'send money' is '打钱' (dǎqián).