I. Directly Using Overseas Bank Cards

Overseas bank cards can be used at merchants displaying the logos of corresponding card organizations such as Visa or MasterCard. For UnionPay cards issued outside of China, they can be used at all POS merchants within China. If a merchant does not display a logo, you can ask the cashier whether card payment is accepted.

II. Cash Payment

Although mobile payment is convenient, China still respects the cash payment needs and consumption habits of some overseas visitors. Bank branches and ATM machines in all districts support cash withdrawal services for overseas visitors. Overseas visitors can go to the branches of their overseas banks located in China, bring valid identification and the corresponding overseas bank card, and handle RMB cash withdrawal at the bank’s business outlets, then use cash for payment.

III. Other Common Questions

1. How to Exchange Cash?

If you hold cash from other countries, you can directly exchange it for RMB at bank branches marked with currency exchange signs, foreign currency exchange agencies, individual foreign currency exchange 特许机构 (licensed institutions), or self-service exchange machines. Please consult the corresponding bank for the list of acceptable currencies.

2. Can I Withdraw RMB Cash Directly from an ATM?

Yes. You can withdraw RMB cash from ATMs displaying the logo of your card’s clearing organization. For withdrawal limits, please consult your issuing bank.

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