China Money & Payment FAQ

International cards work at most hotels, high-end restaurants, and international chains. But for daily life — street food, metro tickets, local shops — you need mobile payment or cash. The good news: Alipay now lets tourists link their international Visa/Mastercard. Setup takes 10 minutes and I walk every client through it.

Download the app, register with your email and passport number, then link your international card. It's that simple now. In 2024, Alipay launched its 'Tourist Pass' feature specifically for international visitors. Once set up, you scan the merchant's QR code to pay. For amounts under ¥200, there's no fee. For larger amounts, it's 3%. I tell everyone to do this before getting on the plane.

¥500–1,000 is enough. You'll use it for small street vendors, tipping hotel porters, and emergencies. ATMs at Bank of China, ICBC, and China Construction Bank accept international cards. The exchange rate is better at ATMs than at currency exchange counters. One tip: carry smaller bills (¥20, ¥50, ¥100) because some vendors can't change ¥100 notes.

No — and this surprises many travelers. China has no tipping culture. In restaurants, hotels, and taxis, the price is the price. Offering a tip can actually cause awkwardness. The exception: your private guide or driver if they've gone above and beyond. ¥100–200 for a full day is appreciated. But servers, hotel staff, and taxi drivers — do not tip. It's not expected and can be confusing for them.