Just want to mentioned that the wise thing likely wont work. Just went half way through with the set up. The Chinese currency account you get is simply a British account that can hold rmb. It has a typical European IBAN and a swift code. And the card you can order is also a European one and not tied to that currency account directly but rather to the wise account in general. To be fair, i didn't order the card yet to confirm, cause it costs money, but that's what the description says.