Overview
While mobile payments dominate in China, cash remains important. This guide covers ATM locations, withdrawal limits, fees, and tips for managing cash during your trip.
Currency
Chinese Yuan (CNY/RMB)
- Banknotes: ¥10, ¥20, ¥50, ¥100
- Coins: ¥0.1, ¥0.5, ¥1
ATMs in China
Major Bank ATMs
| Bank | ATM Availability | English Interface |
|---|---|---|
| ICBC | Very common | Yes |
| ABC | Common | Yes |
| BOC | Common | Yes |
| CCB | Common | Yes |
| HSBC | Limited | Yes |
| Citi | Limited | Yes |
Where to Find ATMs
- Bank branches (24/7 external ATMs)
- Shopping malls
- Metro stations
- Hotels (usually charge fees)
- Convenience stores (some)
Withdrawal Process
Step-by-Step
- Find ATM with card logo (Visa, Mastercard, UnionPay)
- Select English interface
- Insert or tap card
- Enter PIN
- Select “Credit Card” or “Savings”
- Enter amount (usually in increments of ¥100)
- Confirm and collect cash
- Don’t forget your card!
Fees and Limits
Typical Fees
| Card Type | ATM Fee | Currency Conversion |
|---|---|---|
| Visa | ¥15-20 | 1-2% |
| Mastercard | ¥15-20 | 1-2% |
| UnionPay | Free-¥10 | 0% (direct CNY) |
Daily Limits
- Usually ¥2,000-¥10,000 per day
- Check with your bank before travel
Tips
- Use bank ATMs (not hotel/merchant ATMs - higher fees)
- Withdraw larger amounts less frequently
- Keep receipts for records
- Notify your bank before traveling
- Have a backup card
Emergency Cash Options
If you can’t withdraw cash:
- Contact your bank’s international hotline
- Use money transfer services (Western Union, etc.)
- Ask hotel concierge for assistance
- Use credit card advance (high fees!)