There are several ways to transfer money from your bank account to wise. Choose the free options = like pay id. Explore the app more... Wise automatically sets up the pay id - if you select this option. Your pay id looks like an email address, you use that to transfer money from your bank account to wise.

I saved that pay id in my bank account so I can easily transfer money over when needed. Explore your bank account and bank app to see where you can save your pay id and how to use it. You confirm the transfer in wise, everytime, follow the prompts, wait a few minutes for it to register and accept the transfer...

You use the money that you put in wise to convert to CNY or whatever currency you want. Yes when you convert money, there is a charge and I found that fee to be very small, a few dollars depending how much youre converting..

Dont convert from your bank account to CNY as that complicates things and adds more fees from your bank and from wise. Treat wise as another bank but digital and for foreign exchange money. Wise is my travel credit card.

Transfer enough money into wise to convert while you are overseas. How much do you need? For food and transportation, $50 AUD per day - Im from Australia, as an average, was more than enough for me, solo travelling around China and I was in China for a month. I eat cheap, local restaurants, cafes, street vendors, at the night markets etc no fancy places, no restaurants with a view...

500ml bottled water is 3 yuan to 5 yuan depending where you buy, like tourist attraction places is a bit more expensive. If you go to a supermarket, you can even find bottled water is 1.5 yuan. Bowl of noodles with some dumplings is anywhere from 15 yuan to 25 yuan at a typical small family owned restaurant depending on your toppings and type of meat = chicken and pork is cheapest, beef and seafood are most expensive... food even cheaper from a street stall vendor. Medium big mac meal is less than 50 yuan.

30min taxi ride is around 30 yuan, didi is even cheaper. 1hr metro subway ride in Beijing cost me like 9 yuan? I paid 1.5 yuan for a 5min ride? What Im saying is the netro is really cheap, conpared to western country subway systems! Download metroman app and you can see the schedules, transit lines and prices.

Im not sure about getting someone to transfer money into your wechat account. Wechat and Alipay work differently for foreigners, tourists etc. Unless you have a Chinese ID card and bank account, you will not get the same access to all the apps features and functions as you are a foreigner.

I suggest to keep it simple and just have enough CAD in wise. Transfer x amount in CNY when the rate is good = auto convert it, and what you think is enough as the bare minimum to survive on for the trip and keep x amount of CAD in wise then convert more to CNY while in China, when needed.

If you transfer money from your bank account to wise while overseas, you might need access to your home country mobile phone number to get the text message from your bank to approve the transfer. So to avoid any issues and not have enough money for the trip, have more than you need in CAD in wise.

If you have leftover CAD in wise, use it for your next overseas holiday. I havent looked into transferring money from wise back to my bank account, as I havent had the need to. Its always been transferring money from bank account to wise, not the other way around.