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Money in China: cash, cards, ATMs and paying by phone
Updated 9 November 2026
China runs on mobile payments. The easy setup for visitors: Alipay (or WeChat Pay) linked to your own card for daily spending, a bank card for hotels, and some cash as a backup.
How people pay
| Method | Where it works |
|---|---|
| Alipay / WeChat Pay (with foreign card) | Almost everywhere: restaurants, shops, street food, taxis, metro, tickets |
| Visa / Mastercard | International hotels, big malls, airports, some chain stores — not most small businesses |
| Cash (yuan, ¥/CNY) | Accepted by law, but small vendors may not have change |
Getting cash
- ATMs: Bank of China, ICBC, China Construction Bank and Agricultural Bank of China ATMs generally accept foreign Visa and Mastercard cards. Look for the card logos on the machine. Your bank may charge foreign ATM fees.
- Exchange: banks and airport counters exchange major currencies with your passport. Rates at banks are usually better than at airport kiosks.
- How much: ¥300–500 in cash is plenty as a backup for most trips.
Money tips
- Tell your bank you're travelling to China, so payments through Alipay aren't blocked.
- Bring two different cards in case one is declined.
- Tipping is not expected in China, except sometimes for private tour guides and drivers.
- Prices are almost always fixed in shops and restaurants; bargaining is normal at markets and with street vendors.
FAQ
Can I use my Visa or Mastercard in China?
In international hotels, malls and airports, yes. For everyday spending, link your card to Alipay or WeChat Pay — that works almost everywhere.
Do I need cash in China?
Not much. Carry ¥300–500 as a backup for places that do not take foreign-linked mobile payment or if your phone runs out of battery.
Do you tip in China?
Generally no. Tipping is not part of the culture in restaurants or taxis.