I have two accounts with China Merchants bank. One of the cards I have here, the other one my mother has in my own country.
I transfer money through Merchants Bank online banking system (very easy once you know how) and ask her to withdraw it in and put it in my home bank account.
I do about 10,000rmb each time, and it costs me only a 10 yuan transfer fee.
Very simple, very safe (I trust my mother) and very cheap. And the only effort for me is transfering some money online and sending my mum an email to withdraw it. She does all the hard work.
Been doing it for more than a year, no hassles
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