CAD → CNY
4.9875
Use This RateDaily Indicative Rates
Daily indicative quotes across all VG branches · final execution is confirmed by live branch quote · large inquiries may lock a rate for 30 minutes
— TODAY'S RATES —
Major Currencies → CNY
CNY settlement is routed through the Hong Kong offshore (CNH) market into major mainland commercial banks
USD → CNY
6.8005
Use This RateHKD → CNY
0.868329
Use This RateAUD → CNY
4.9247
Use This RateEUR → CNY
7.9985
Use This RateGBP → CNY
9.2514
Use This RateJPY → CNY
0.043441
Use This RateSGD → CNY
5.3676
Use This RateDisclaimer
The rates shown are VG Financial Service's daily indicative reference quotes and are provided for information only — they do not constitute a binding offer. The final settlement rate is the live quote provided by the branch at the time of inquiry. FX rates fluctuate continuously with the market; for large-value transactions, we recommend calling any branch to lock the rate for 30 minutes and avoid intraday volatility.
— CONVERTER —
Exchange Calculator
Enter an amount to estimate the received amount; final settlement follows the branch live quote
→
49,875
Our quote is typically tighter than retail market spreads. The actual rate depends on amount, same-day market conditions, and settlement method. Includes compliance review / SWIFT rail / offshore settlement costs.
— WHY THE GAP —
Why VG's Quote Differs from XE's Mid-Market Rate
01
The mid-market rate is a wholesale interbank price
The "mid-market rate" shown on XE, Google, and Bloomberg is the wholesale price quoted between banks on the interbank FX market, where minimum trade size typically starts at USD 1 million. No retail customer — including at a bank branch — can transact at this rate.
02
The spread covers real operating costs
Every settled rate necessarily contains a spread. For us, that spread funds FINTRAC compliance audits, risk officers, SWIFT network fees, the legally required 5-year recordkeeping, and our 6-branch operation. VG quotes are all-in — no wire fees, no intermediary deductions, no hidden charges.
03
Large transactions are negotiable
For amounts above CAD 50,000, VG quotes can tighten further from the standard spread. Settlement is routed through the Hong Kong CNH market — where deep liquidity and tight spreads are structurally unavailable to retail banks operating only in domestic CNY.
— RATE LOCK —
Large-Value Inquiry · 30-Minute Rate Lock
Markets move continuously, and during the 6-hour settlement window the rate can shift. VG offers a 30-minute rate lock: once you obtain a quote by phone, the rate is held for 30 minutes — giving you time to complete KYC documentation and source-of-funds transfer without exposure to intraday volatility.
Call any branch · provide the amount · receive a quote
The quote is locked the moment it is given, valid for 30 minutes
Sign within the window and the locked rate is honored at settlement
Extended lock available on request for transactions above CAD 50,000
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