According to the latest regulations in 2025, the supervision standards for large transfers on WeChat and Alipay are as follows:
### **WeChat Transfer Large Supervision Standards**
1. **Daily cumulative receipts exceed 50,000 yuan**: Will be automatically reported to the central bank's anti-money laundering system.
2. **Annual private account receipts exceed 500,000 yuan**: May trigger tax or anti-money laundering investigations.
3. **High-frequency trading**: An average of more than 20 transactions per month and a cumulative amount exceeding 100,000 yuan will be marked as a “suspicious account.”
4. **Large transfers at night (22:00-7:00)**: Exceeding 5,000 yuan may be delayed in arrival, and exceeding 60,000 yuan in a single day requires facial recognition.
5. **Cross-border transfers**: Single transaction exceeding 200,000 yuan overseas or exceeding 500,000 yuan domestically will be closely monitored.
### **Alipay Transfer Large Supervision Standards**
1. **Ordinary users**: Single transaction exceeding 50,000 yuan or daily cumulative exceeding 200,000 yuan may trigger risk control review.
2. **Three-factor authentication users**: Daily limit of 500,000 yuan, but single transactions exceeding 100,000 yuan require additional verification.
3. **Corporate users**: Daily transfers exceeding 2 million yuan may be subject to random checks.
4. **Abnormal transaction patterns**: Such as quick in and out, frequent transactions of round amounts (e.g., 500,000, 1 million) will be flagged by the system.
### **Common Supervision Rules**
- **Cash transactions**: Single transaction or daily cumulative exceeding 50,000 yuan will be reported.
- **Public to private**: Single transaction exceeding 200,000 yuan may trigger tax inspections.
- **Split transfers**: For example, splitting large funds into multiple smaller amounts (e.g., 50,000 yuan per transaction) may be identified by the system as money laundering behavior.
### **Random Inspection Mechanism**
- **WeChat/Alipay**: Single transaction exceeding 3,000 yuan may be randomly inspected, and for amounts above 100,000 yuan, the inspection rate can reach 10%.
- **Tax linkage**: Data from banks, WeChat, and Alipay has been integrated into the “Golden Tax System,” and abnormal transactions will be directly pushed to the tax bureau.
It is recommended to ensure compliance when making large transfers, and to avoid frequent or abnormal operations to prevent triggering regulatory reviews. If a higher limit is needed, apply for a corporate account or advanced certification.
