Payroll that was taxed and paid to your account is the clean story — ‘borrow a friend’s quota’ is not a remittance strategy.
Individuals moving salary or after-tax income abroad rely on bank FX practice for personal remittances, with employment income evidence and IIT compliance usually central. Employer assistance and timing around departure clearance often matter. The live individual/expat FX route page owns checklist depth — this wiki is the map entry. Tax clearance when leaving is the tax related pages. Personal FX quota misuse and corporate cash disguised as salary are failure modes.
4 questions before you choose the route.
This page identifies the right question and evidence. It does not determine the legal outcome on a reader’s facts.
Is the income on your China account?
Source.
SourceIIT withheld/filed?
Tax.
IITWhich bank personal FX process?
Live route.
BankLeaving China soon?
Clearance related pages.
ExitWorking rule: Map the regulated role before marketing or launch in China.
The signal ledger.
These facts move the question beyond a label and into a product, money-flow and control analysis.
Bring a compact evidence docket—not a pitch deck.
Give a compliance team or counsel the operating facts that reveal the perimeter.
Questions people ask before they build.
Short answers for orientation. The right result can change with the service model and current rules.
Can the employer wire USD payroll abroad directly?
Sometimes via compliant payroll structures; many expats still remit personally. Facts and bank products differ.
Where is the deep individual FX route?
Primary authorities
Reviewed sources support orientation, not a fact-specific assessment.