How to Use a Chinese ATM and Exchange Currency in China

Planning a trip to China? Understanding how to withdraw Chinese yuan, exchange foreign currency and use international bank cards can make everyday travel much easier. Although mobile payments are widely used across the country, cash remains a useful backup for small shops, local markets, transport and situations where a digital payment is unavailable.

For international visitors, the key is to prepare more than one payment method. You can withdraw Renminbi (RMB) from compatible ATMs, exchange foreign banknotes at authorized service points, or use an eligible overseas bank card through supported payment services.

This guide explains how to use a Chinese ATM, where to exchange money, what international travelers should know about bank fees and exchange rates, and how to combine cash with Alipay and WeChat Pay during your China trip.

1. What Currency Is Used in China?

The official currency of mainland China is the Renminbi (RMB), commonly referred to as the Chinese yuan (CNY). The symbol is ¥, and the currency code is CNY.

RMB banknotes currently in circulation include denominations of ¥1, ¥5, ¥10, ¥20, ¥50 and ¥100. Coins are also used for smaller amounts, although banknotes and mobile payments are more commonly encountered by many visitors.

When you see prices displayed as ¥50 or RMB 50, they refer to the same amount: 50 Chinese yuan.

Should You Carry Cash in China?

Yes. Mobile payments are an important part of everyday life in China, but carrying some RMB cash is still a sensible travel precaution. Cash can be useful at small businesses, traditional markets, local food stalls and in situations where your phone battery, internet connection or payment app is unavailable.

You do not usually need to exchange a large amount of money before arrival. A practical approach is to prepare a small amount of RMB for immediate expenses and use ATMs or authorized exchange services when you need more.

2. Can Foreign Bank Cards Be Used at ATMs in China?

Yes. Many ATMs in mainland China support international bank cards, allowing overseas visitors to withdraw RMB directly from their foreign-currency accounts.

However, not every ATM accepts every international card. Before inserting your card, check the payment network logos displayed on the machine.

International Card Networks to Look For

• Visa: Look for the Visa logo on the ATM.
• Mastercard: Check whether the machine displays the Mastercard logo.
• UnionPay: UnionPay cards and compatible international cards may be supported.
• JCB: Some ATMs accept cards issued through the JCB network.
• American Express: Acceptance depends on the ATM and its supported services.

ATM compatibility depends on the machine, card network and overseas issuing bank. A card that works at one ATM may not necessarily work at another.

Which Chinese Banks Have ATMs for International Visitors?

Major commercial banks operate ATM networks across Chinese cities. You may find compatible machines at international airports, railway stations, shopping districts, hotels and bank branches.

• Bank of China (BOC): Offers ATM services for major international card networks at supported machines.
• Industrial and Commercial Bank of China (ICBC): Has an extensive ATM and branch network.
• China Construction Bank (CCB): Operates ATMs in major cities and commercial areas.
• Agricultural Bank of China (ABC): Provides banking services through branches and ATMs.
• Bank of Communications: Offers ATM services in many urban locations.

For your first withdrawal, using an ATM inside or immediately beside a bank branch is a practical choice. If you encounter a problem, staff may be available to help during branch opening hours.

3. How to Withdraw RMB from a Chinese ATM: Step-by-Step

Withdrawing Chinese yuan from a compatible ATM is generally similar to using an ATM in your home country. The main difference is that the machine may offer Chinese and English language options, and your bank may apply international withdrawal fees.

Step 1: Find an ATM That Accepts Your Card

Choose an ATM displaying the same international card network logo as your bank card. ATMs at major airports, commercial bank branches and busy urban areas are convenient places to start.

Step 2: Insert Your Bank Card

Insert your card and follow the instructions on the screen. Some machines may allow you to tap or use other supported card functions, but inserting the card is a common method.

Step 3: Select English

If the ATM offers a language selection screen, choose English. The exact wording and screen layout vary by bank and machine.

Step 4: Enter Your PIN

Enter your bank card PIN and keep the keypad covered while doing so. If your card uses a PIN format that the machine does not accept, do not repeatedly guess. Contact your card issuer to confirm whether your card is enabled for overseas ATM withdrawals.

Step 5: Choose Cash Withdrawal

Select the cash withdrawal option, which may appear as Withdrawal or Cash Withdrawal. If the machine asks you to choose an account type, follow the instructions provided by your issuing bank. The available options may vary by card.

Step 6: Enter the Amount in RMB

Enter the amount you want to withdraw in Chinese yuan. The ATM may apply a transaction limit, and your overseas bank may have a separate daily withdrawal limit.

For example, Bank of China states that the single ATM withdrawal limit for foreign cards at its ATMs is RMB 3,000. This is a Bank of China machine-specific limit, not a universal limit for every ATM in China. Other limits and applicable fees may be determined by the overseas card issuer.

Step 7: Confirm the Transaction and Collect Your Cash

Review the transaction details before confirming. Collect your cash, card and receipt if one is printed. Check that the amount received matches the amount displayed on the screen.

Important: If the ATM does not dispense cash but your account appears to have been charged, keep the receipt or transaction details and contact both the ATM operator and your card issuer.

4. ATM Fees, Withdrawal Limits and Exchange Rates

Before withdrawing cash in China, it is worth understanding the possible charges. The total cost may include fees from the Chinese ATM operator, your overseas bank and the currency conversion process.

Possible ATM Charges

• Local ATM fee: Some ATM operators may charge a fee for international card withdrawals.
• Overseas bank fee: Your home bank may charge an international cash withdrawal fee.
• Foreign exchange fee: Your card issuer may apply a foreign currency conversion fee or exchange-rate margin.
• Cash advance interest: If you use a credit card to withdraw cash, your card provider may treat it as a cash advance, potentially triggering additional fees and interest.

Check your bank's overseas withdrawal policy before departure. A debit card designed for international travel may offer more favorable withdrawal conditions than a standard credit card.

What If the ATM Offers Currency Conversion?

Some ATMs may offer to convert the withdrawal amount into your home currency before completing the transaction. This is sometimes called Dynamic Currency Conversion (DCC).

Compare the displayed exchange rate and fees carefully. If you are comfortable allowing your own bank or card network to handle the conversion, choosing to be charged in RMB rather than accepting an ATM's home-currency conversion may help you avoid an unfavorable conversion rate. Your own bank's exchange rate and fees will still apply.

Always review the final amount and conversion terms shown on the screen before confirming.

5. Where Can You Exchange Foreign Currency in China?

If you prefer to exchange physical foreign banknotes instead of withdrawing RMB from an ATM, China has several authorized currency exchange channels.

1. International Airports

International airports are among the most convenient places to exchange money after arrival. Depending on the airport and terminal, you may find bank counters, licensed currency exchange outlets or self-service exchange machines.

Airport exchange services are useful when you need cash immediately for transport or other arrival expenses. However, exchange rates and service charges can differ between providers, so check the displayed terms before exchanging.

2. Bank Branches

Commercial banks are another option for exchanging foreign currency into RMB. Look for branches displaying a currency exchange or foreign exchange service sign.

Major Chinese banks, including Bank of China, ICBC, China Construction Bank, Agricultural Bank of China and Bank of Communications, may provide foreign exchange services. Not every branch handles every currency or offers the same service, so check availability before visiting.

Bring your passport and the original foreign banknotes. The bank may request identification and other information in accordance with its service requirements.

3. Authorized Currency Exchange Outlets

Some airports, transport hubs and commercial areas have licensed currency exchange outlets. These can be convenient when a bank branch is not nearby.

Before completing an exchange, check the quoted rate, commission and the final amount of RMB you will receive. Keep your exchange receipt until you have checked the transaction.

4. Self-Service Currency Exchange Machines

Self-service exchange machines are available at certain airports and other designated locations. Their supported currencies, identification requirements and transaction procedures vary.

Follow the instructions on the screen and review the exchange rate and service fee before confirming. Do not assume that every machine accepts every foreign currency or banknote denomination.

6. What Documents Do You Need to Exchange Money?

International visitors should carry their valid passport when exchanging foreign currency at a bank or authorized service point.

Depending on the provider and transaction, you may be asked to provide:

• Your original passport or another accepted identification document.
• The foreign banknotes you want to exchange.
• Additional information requested by the bank or exchange provider.

Requirements can vary according to the currency, amount, location and service provider. If you plan to exchange a larger amount, contact the bank or exchange outlet in advance to confirm its requirements.

7. Which Is Better: ATM Withdrawal or Currency Exchange?

Both options can work well for international travelers. The best choice depends on the cards you carry, the foreign currency you have available and the fees offered by your bank or exchange provider.

For many visitors, a combination works best: use an international debit card for ATM withdrawals, exchange a small amount of foreign cash if necessary, and keep RMB available as a backup for daily expenses.

8. Do You Need Cash If You Use Alipay or WeChat Pay?

China has a highly developed mobile payment environment. Alipay and WeChat Pay are widely used for everyday purchases, including restaurants, convenience stores, transport and online services.

International visitors can generally register for these payment services and may be able to link eligible overseas bank cards. Supported card networks, identity checks, fees and transaction limits depend on the platform and the issuing bank.

Using Alipay with an International Bank Card

Alipay offers an English-language interface and supports eligible international bank cards. After downloading the app, register an account, complete the requested verification and follow the in-app instructions to add your card.

When paying, you can generally present your payment QR code or scan a merchant's collection code, depending on the transaction.

Using WeChat Pay with an International Bank Card

WeChat Pay is integrated into WeChat. Eligible overseas visitors can follow the app's instructions to activate the payment service and link a supported international card.

Card verification and acceptance depend on the payment platform and issuing bank. It is a good idea to set up your payment apps before departure rather than waiting until you need to pay for something in China.

Why You Should Still Carry RMB Cash

Even if you use mobile payments regularly, it is sensible to keep some cash with you. Your phone may run out of battery, your internet connection may be unavailable, or a particular merchant may not support your preferred payment method.

Think of cash as a backup rather than a replacement for mobile payments.

9. Practical Money Tips for Your China Trip

Prepare More Than One Payment Method

Bring at least one international bank card that supports overseas ATM withdrawals, and consider carrying a second card from a different payment network. Set up an eligible mobile payment option before arrival and keep a modest amount of RMB cash available.

Inform Your Bank Before Traveling

Check whether your bank requires travel notifications or additional security verification for overseas transactions. Confirm your international withdrawal limits and make sure you can access your bank's customer support while abroad.

Use ATMs in Secure Locations

Choose ATMs inside bank branches, shopping centers or other well-maintained public locations. Cover the keypad when entering your PIN and avoid accepting help from strangers during a transaction.

Keep Your Passport and Bank Cards Secure

Carry only the documents and cards you need for the day. Store backup cards separately from your wallet, and keep your passport secure when you are not using it for identification.

Keep Your Exchange Receipts

Receipts can help you check exchange amounts, resolve discrepancies and keep track of your travel spending. They may also be useful if you need to confirm a transaction with a bank or exchange provider.

Avoid Exchanging Money with Unlicensed Individuals

Use banks and authorized currency exchange providers rather than informal street exchanges. This helps reduce the risk of receiving counterfeit banknotes, being charged hidden fees or encountering an unfavorable exchange rate.

10. Managing Money During a Multi-City China Tour

If your itinerary includes several destinations, such as Beijing, Xi'an, Chengdu, Guilin and Shanghai, you do not need to exchange a large amount of cash in every city.

Major cities generally offer more banking services and ATM options, while smaller towns and remote destinations may have fewer convenient facilities. It is worth arranging your payment options before traveling between destinations.

Beijing and Shanghai

As major international gateways, Beijing and Shanghai offer a range of banking and currency exchange services at airports and in urban commercial districts. They are convenient places to arrange your initial RMB cash supply.

Xi'an and Chengdu

In Xi'an and Chengdu, you can use a combination of mobile payments, eligible international bank cards and cash. Keep some RMB available for local purchases and smaller businesses.

Guilin and Yangshuo

When traveling around Guilin and Yangshuo, it is useful to have a backup cash supply before heading to smaller towns, countryside areas or scenic locations. Do not rely on finding a compatible ATM at every stop.

Zhangjiajie and Other Scenic Areas

For destinations such as Zhangjiajie, where your itinerary may include national parks, mountain areas and transfers between different scenic locations, prepare your payment methods in advance. Keep your phone charged and carry enough RMB for incidental expenses.

Yunnan and Tibet

For longer journeys through Yunnan or Tibet, plan ahead rather than assuming that every remote stop will have convenient banking services. Your guide or travel operator can help you understand where to prepare cash before visiting less-developed or more remote areas.

For a multi-destination journey, reliable transport arrangements and clear payment preparation can make the experience smoother. Explore our China Travel Itineraries and Tailor-Made China Tours to see how different destinations can be connected into one coordinated trip.

11. Frequently Asked Questions About ATMs and Currency Exchange in China

Can I use a Visa or Mastercard at an ATM in China?

Yes, many Chinese ATMs accept Visa and Mastercard, but acceptance is not universal. Look for the corresponding network logo and confirm that your overseas bank has enabled international cash withdrawals.

Can foreigners withdraw RMB in China?

Yes. Overseas visitors can use compatible international bank cards at ATMs displaying the relevant card network logos to withdraw RMB. Withdrawal limits and fees depend on the ATM operator and the overseas issuing bank.

Can I exchange US dollars for Chinese yuan in China?

Yes. US dollars can be exchanged for RMB at banks and authorized currency exchange outlets that handle the currency. Bring your passport and check the provider's exchange rate and service charges.

Can I exchange euros, British pounds or other currencies?

Many major banks and authorized exchange providers handle commonly traded foreign currencies, but availability varies by location. Confirm that your currency is accepted before visiting.

Is it better to exchange money at the airport or in the city?

Airport exchange is convenient when you first arrive, especially if you need cash for immediate expenses. You may also compare rates and fees at bank branches or authorized exchange outlets in the city before exchanging a larger amount.

Are ATMs available 24 hours a day in China?

Many ATMs operate around the clock, but access depends on their location. Machines inside shopping centers, railway stations or bank buildings may be inaccessible when the surrounding premises are closed.

What should I do if my foreign bank card is rejected?

Try another ATM that displays your card network logo, check your overseas withdrawal settings and contact your card issuer if the problem continues. Do not repeatedly enter your PIN if the machine reports an error.

What should I do if an ATM keeps my card?

Contact the bank branch or ATM operator immediately and follow its instructions. If the machine is operated by Bank of China, its published ATM guidance advises customers to contact branch staff or call its customer service hotline at 95566 if a card is retained. Also contact your overseas card issuer to protect your account.

Do I need a Chinese bank account to use Alipay or WeChat Pay?

Not necessarily. Eligible international visitors may be able to link supported overseas bank cards to Alipay or WeChat Pay. Availability, verification requirements, transaction limits and fees depend on the payment platform and card issuer.

Is cash still accepted in China?

Yes. RMB cash remains legal tender in mainland China. Mobile payments are widely used, but cash is still a useful option for visitors and should be kept as a backup.

12. Plan a Smoother China Journey with Sunda Travel

Preparing your money and payment methods is one part of planning a successful trip to China. Choosing the right destinations, arranging transport between cities and understanding local travel logistics are equally important.

Sunda Travel is a China-based inbound travel agency established in 1993, specializing in private and tailor-made journeys for international visitors. From Beijing and Xi'an to Chengdu, Guilin, Shanghai, Zhangjiajie, Yunnan and Tibet, our team helps travelers connect China's major destinations with carefully coordinated itineraries.

Whether you are planning a first visit or a longer multi-city journey, our local team can help you prepare the practical details of traveling in China, from transportation and accommodation to destination arrangements and on-the-ground support.

Explore Tailor-Made China Tours or Contact Sunda Travel to start planning your journey.

Official Resources and Further Reading

• The State Council of China: Guide to Working and Living in China — information on exchanging foreign currency and withdrawing RMB with international bank cards.
• Bank of China: ATM Services — supported international card networks, ATM withdrawal guidance and bank-specific limits.
• State Administration of Foreign Exchange: Guide to Payment Services in China — official payment guidance for overseas visitors.
• The State Council of China: Payment Service Guide for Overseas Visitors — an overview of bank cards, mobile payments and cash services.
• Travel China: Mobile Payment and Currency Exchange — practical payment information for international travelers.

Note: Banking services, supported card networks, ATM limits, exchange rates and payment app requirements may change. Always check the latest information with the relevant bank, payment provider or official authority before traveling.