How to top up an Alipay account from abroad?
Jul 11, 2025 am 03:26 AMYou can recharge your Alipay account from abroad, but the process is different from that in China. There are three main methods: First, through international bank transfer (Wire Transfer), you need to ensure real-name authentication of Alipay account, obtain the correct bank information for receiving payments, and initiate the transfer through the bank. Pay attention to filling in the correct reference notes, which usually takes 1-5 working days to arrive; second, bind Visa/Mastercard international credit card, some cards may be restricted due to regional or bank policies; third, ask friends in China or trusted services to recharge, but be wary of third-party risks. Each method has its own advantages and disadvantages and needs to be chosen according to personal circumstances.
You can top up your Alipay account from abroad, but the process is a bit different than if you were in China. The main challenge is that international bank transfers or credit card payments aren't always straightforward with Alipay. Here's how to do it effectively.

Use an International Bank Transfer (Wire Transfer)
One of the most reliable ways to add funds to your Alipay account from overseas is through a wire transfer from your local bank.

- Check if your Alipay account is verified — You'll need a real-name verified account.
- Get the correct bank details from Alipay — Go to the "Transfer" section and select "Transfer from abroad." It will show you the receiving bank information.
- Initiate the transfer through your bank — Provide the SWIFT/BIC code, bank address, recipient name (should match what Alipay shows), and the reference note (important! Alipay usually asks for a specific note to match the payment).
- Be aware of fees — Your bank may charge a fee, and there might be intermediary bank charges too.
- Processing time — It usually takes 1–5 business days depending on countries and banks involved.
This method works well if you're sending a larger amount and don't mind waiting a few days.
Link a Visa/Mastercard to Your Alipay Account
If you have an international credit or debit card (Visa or Mastercard), you can try linking it directly to your Alipay account.

- Open the Alipay app, go to “My,” then “Payment Methods.”
- Choose “Add Card” and follow the prompts.
- Some cards get declared due to regional restrictions or bank policies — this is normal.
- If accepted, you can use the card to recharge your Alipay balance or pay directly through it.
Keep in mind: Not all international cards are supported, especially those issued outside Asia. Also, some banks may block transactions to Alipay as they consider it a third-party payment platform.
Use a Local Chinese Friend or Service
If the above methods seem too complicated or unreliable, another common workaround is:
- Ask a friend in China to top up your Alipay using their local account.
- Or use a trusted online service that sells Alipay top-ups — though be cautious about scams.
- You send them money via PayPal, bank transfer, or even cash, and they add the equivalent amount to your Alipay.
?? Always double-check the trustworthiness of any third-party service.
Adding funds to Alipay from abroad isn't as smooth as domestic top-ups, but it's definitely possible. Depending on your location and banking options, one of these methods should work for you. Just make sure to follow the instructions carefully, especially with wire transfers — small mistakes like wrong reference notes can delay or block your payment.
Basically these are the methods, not complicated but it is easy to ignore details.
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