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6 Best Travel Cards for China

Getting an international travel card before you travel to China can make it cheaper and more convenient when you spend in Chinese Yuan. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to CNY for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to China, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

6 best travel money cards for China:

Let's kick off our roundup of the best travel cards for China with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to China.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in China. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to China or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in CNY, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in CNY when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in China, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in China with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to CNY instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in China and globally. Monzo accounts are designed for holding USD only - but you can spend in CNY and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in China. While these cards don’t usually let you hold a balance in CNY, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

PayPal travel card

PayPal has a debit card you can link to your PayPal balance account, to spend in China as well as locally, in person and online. One advantage of PayPal is that there are lots of easy ways to add money in USD - but bear in mind that when you spend in CNY you’ll likely pay a foreign transaction fee of 2.5%. ATM fees apply when you make out of network withdrawals, too, which can push up the costs depending on how you use your card.

PayPal travel cards aren’t connected to your checking account which makes them a handy and secure way to spend, particularly if you already have a PayPal balance account.

PayPal features

Paypal travel card pros and cons.

• Globally accepted card
• Easy ways to top up your PayPal balance including cash and check
• Popular and reliable provider
• Use your card for spending online easily as well
• 2.5 USD fee for out of network ATM withdrawals
• 2.5% fee when you spend in a foreign currency
• Other charges may apply depending on how you fund and use your account

How to apply for a PayPal card

Here’s how to apply for a PayPal account and order a travel card in the US:

Visit the PayPal website or download the app

Click Get Sign up or log into your existing account

Add your personal details to create an account, or tap Request a card if you already have a PayPal account

Follow the prompts to order your card

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to China or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to China. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for China

We've picked out 6 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for China include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in CNY can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for China

The best travel debit card for China really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in CNY.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for China. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

When you head off to China you can expect to find you’ll be able to use your card a lot - but not always. Some merchants still prefer cash payments - so choosing a card which is easy to pay with, but which also has simple and low cost ways to make ATM withdrawals should mean you’re covered no matter what happens

Ways to pay in China

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In China card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use CNY?

You’ll find that CNY can only be used in China. If you don’t travel to China frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or Revolut which lets you leave your money in USD and convert at the point of payment with no penalty.

What should you be aware of when travelling to China

You’re sure to have a great time in China - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to China before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to CNY before you travel to China if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to CNY in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach China to make an ATM withdrawal in CNY if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for China

Ultimately the best travel card for your trip to China will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

How does a Chinese Yuan card work?

Getting a Chinese Yuan card can make managing your money easier when you travel to China.

Your Chinese Yuan card will be linked to a digital account you can manage from your phone, so you'll always be able to see your balance, get transaction notifications and manage your card no matter where you are. Just add money to your account in pounds, and - depending on your preferences and the specific card you pick - you can either convert your balance to Chinese Yuan instantly, or just let the card do the conversion when you spend or make a withdrawal.

If your card gives you the option to hold a Chinese Yuan balance, there's not normally any extra fee to spend the Chinese Yuan you have in your account when you're in China.

Can I withdraw Chinese Yuan currency with my card in China?

With some cards, you'll be able to add money to your card in United States Dollar, and then convert to Chinese Yuan instantly online or in your card's app.

Once you have a balance in Chinese Yuan you can spend with your card with no extra fees - just tap and pay as you would at home. You'll also be able to make cash withdrawals whenever you need to, with no extra conversion fee to pay. Your card - or the ATM operator - may charge a withdrawal fee, but this can still be a cheap, secure and convenient option for getting cash when you need it.

With other cards, you can't hold a balance in Chinese Yuan on your card - but you can leave your money in United States Dollar and let the card convert your money for you when you spend and withdraw.

Some fees may apply here - including currency conversion or foreign transaction charges - so do compare a few different cards before you sign up, to make sure you're picking the one which best suits your specific spending needs.

Bear in mind though, that not all cards support all currencies - and the range of currencies available with any given card can change from time to time. If your card doesn't let you hold a balance in Chinese Yuan you might find that fees apply when you spend in China, so it's well worth double checking your card's terms and conditions - and comparing the options available from other providers - before you travel, just in case.

Why should I get a Chinese Yuan card?

Getting a Chinese Yuan card means you can spend like a local when you're in China. You'll be able to check your Chinese Yuan balance at a glance, add and convert money on the move, and use your card for secure spending and withdrawals whenever you need to. Best of all, Chinese Yuan cards from popular providers often offer good exchange rates and low, transparent fees, which can mean your money goes further when you're on a trip abroad.

FAQ - best travel cards for China

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in China.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / CNY rate to calculate how much Chinese Yuan you would receive when exchanging / spending $4,000 USD. The card provider offering the most CNY is displayed at the top, the next highest below that, and so on.

The rates were collected at 09:36:26 GMT on 25 May 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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More travel card guides.

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Best Prepaid Travel Card For China

Comparing Different Travel Card Options

When it comes to traveling to China, one of the most important things to organize is a prepaid travel card. With a prepaid travel card, you will be able to access your funds quickly and easily while overseas. There are several different options when it comes to the best prepaid travel card for China, each with their own set of advantages and disadvantages. It is important to take the time to do the research needed to determine which card is best suited for your individual travel needs.

Types of Travel Cards

One of the more popular options for travelers is a debit card. Debit cards are convenient because they are readily accepted at stores, restaurants, and casinos around the world. Many debit cards offer great exchange rates and low or no fees. One of the drawbacks, however, is that while they are convenient, they are not as safe as other options. If your card is lost or stolen, you may be liable for any unauthorized purchases.

Credit cards, on the other hand, can provide more security. Most credit cards offer fraud protection and insurance for any purchases made overseas. In addition, credit cards offer convenience and are accepted worldwide. The main drawback to using credit cards when traveling is that foreign transaction fees can be high. Additionally, if you do not pay off your balance in full each month you will accrue interest charges.

Traveler’s check is yet another option. Traveler’s checks are accepted almost everywhere and can be difficult for thieves to cash in. In addition, they offer a low cost way to access money while overseas. While they are convenient, it can also be time consuming to both purchase and use them.

Exploring the Benefits of Pre-paid Travel Cards

Prepaid travel cards are becoming a popular option for travelers. They offer the convenience of a debit card and the protection of a credit card. With a prepaid travel card, you can preload a card with funds, which can be used to make purchases. In addition, the card will also allow you to withdraw cash from local ATMs. One of the primary benefits of using a prepaid travel card is that you can set up multiple currencies so you never have to worry about exchange rates.

Prepaid cards offer other benefits such as no monthly fees, no foreign transaction fees, and real-time reporting when you access your account. In addition, if your card is lost or stolen, you can contact the creditor to place a stop on the card and deactivate the card. And since you are only able to spend the amount you load onto the card, you are not at risk of going overbudget or accruing debt.

Finding the Right Travel Card for China

When it comes to finding the best prepaid travel card for China, there are several factors to consider. First and foremost, you want to make sure the card you are considering is accepted in China. Some prepaid cards are not accepted in certain countries, including China. Additionally, you want to ensure the card offers the currency you need, and that it comes with a low or no fees. Most importantly, you want to make sure you have access to customer support and around-the-clock assistance, should you need it.

The best way to go about finding the right prepaid travel card for China is to do your research. Compare and review various cards and their features to determine which is best for your unique situation and needs. Consider the type of card you want, the fees involved, and the customer support they offer before making a decision.

Maximizing Benefits with Prepaid Travel Cards

Using a prepaid travel card is one of the most convenient and safest ways to access your funds while overseas. By taking the time to research and compare different cards, you will be able to find the best prepaid travel card for China. Once you have the right card for your trip, you can start exploring the many benefits that come with using a prepaid card. Whether you are traveling to China for business or pleasure, a prepaid card can be a great way to stay in control of your finances and maximize the value for your money.

Ensuring Safety and Security

When utilizing a prepaid travel card for your trips to China, it is important to ensure the safety and security of the card at all times. Keep your PIN number safe, never share it with anyone, and only use it at ATMs or terminals as directed. If your card is lost or stolen, contact the prepaid card provider immediately. Understand the chargeback options that come with your card, and take advantage of additional safety features such as multi-level authentication and other fraud prevention measures.

It is also important to remember that prepaid cards should not be linked to your bank account or used to withdraw large amounts of money. Regularly check your balance and transaction history to ensure you are aware of any transactions or fees you may be charged for. Additionally, you may be able to receive more value through rewards or discounts for using specific providers.

Additional Resources

To provide yourself with a better understanding of prepaid travel cards, it is beneficial to read through any additional resources you can find. Check certain websites and reviews to ensure you know which companies offer the best prices and fees. Educate yourself on your rights and the consumer complainant procedure if you do have an issue with the card. Research the different types of travel cards available and compare the details, benefits, and features of each.

Finally, do not forget to research the laws and regulations of the country you are traveling to. Understanding the restrictions that come with using a prepaid card in certain overseas destinations can be invaluable and help you to stay safe while you are abroad.

Making the Most out of Your Prepaid Travel Card Experience

Using a prepaid travel card can enhance your travel experience and provide you with the flexibility to access your funds quickly and easily. Whether you are visiting China for business or pleasure, understanding the best prepaid travel card for you is essential. Be sure to take the time to do the research needed to determine which type of card is best suited for your individual needs, and take advantage of all the benefits that come with using a prepaid travel card.

Managing Your Funds and Exchange Rates

One of the primary advantages of using a prepaid travel card is that it allows you to manage your funds more easily while you are overseas. Many prepaid cards let you store multiple currencies on one card, allowing you to switch between them whenever you need. This gives you more flexibility and makes it simpler to take advantage of exchange rate fluctuations in order to get the most out of your travel money.

This can be especially helpful when traveling to China due to the increased volatility of its currency. Having access to currency exchange options such as prepaid travel cards can allow you to make the most out of fluctuations in the exchange rate.

It is important to remember, however, that exchange rates are always fluid and can change frequently. If you are planning on using your prepaid travel card to take advantage of exchange rate fluctuations, it is important to stay up-to-date with current market and currency rates. This can help you to optimize your exchange rate and make the most out of your travel money.

Managing Your Budget

Setting and sticking to a budget while traveling is important in order to ensure a successful trip. A prepaid travel card can be an effective tool for managing your budget while abroad. By only loading what you need, you can avoid overspending or going into debt.

In addition, budget-friendly options such as the PayPal Prepaid MasterCard allows you to easily monitor your spending. The card’s online balance inquiry and mobile app allow you to quickly and conveniently check your balance before making a purchase. This gives you greater control over your finances, and ensures you do not exceed the limits of your budget.

Choosing the Right Card for You

When choosing a prepaid travel card for a trip to China, there are several factors to consider. First and foremost, you want to make sure the card is accepted in China. Additionally, you want to ensure the card offers low or no fees, the currency you need, and good customer support. Most importantly, you want to be sure the card comes with a low cost way to access your funds while overseas.

By taking the time to research different cards and compare their features, you will be able to find the best prepaid travel card for your trip to China. Whether you are travelling for pleasure or business, using a prepaid travel card can provide you with the convenience, control, and security you need to make the most out of your travel experience.

Bernice Sorrells

Bernice A. Sorrells is a freelance journalist and travel writer from the United States. She has written extensively about China, covering topics such as culture, history, politics, and economics. Bernice has traveled extensively throughout China, visiting many of its provinces and cities.

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Travel money guide: China

Take a card without foreign transaction fees and carry some cash for small purchases..

In this guide

Travel card, debit card or credit card?

These are your options for spending money in china, which credit card issuers are accepted in china, potential credit card fees in china, compare travel cards for china, what’s the chinese currency and where can i get the best exchange rate, keep your travel money safe while in china.

Travel money type

Compare more cards

Top picks of 2024

Whether you’re touring the great palaces of China and historic landscapes or visiting for business, you’ll find that major stores and restaurants accept plastic, though you’ll want to carry some Chinese Renminbi for local spots. Here, Discover cards are accepted as widely as Mastercard and Visa. To avoid foreign transaction fees on your travels, slip a travel credit card into your wallet, which also lets you earn miles with each purchase.

However, you’ll need some cash on hand if you go to small restaurants, shops and establishments, which may not accept cards. To get cash, you’ll find many ATMs inside banks and shopping centers in major cities.

Our picks for traveling to China

40+ currencies supported

• 4.85% APY on USD balances
• $0 monthly fees
• Up to $100 free ATMs withdrawals worldwide
• Hold and convert 40+ currencies

Up to $300 cash bonus

• 0.50% APY on checking balance
• Up to 4.60% APY on savings
• $0 account or overdraft fees
• Get a $300 bonus with direct deposits of $5,000 or more

Free ATM transactions

• $50 waivable monthly fee
• 0% foreign transaction fee
• Securely move money domestically and globally
• 5 monthly out-of-network ATM reimbursements
• Free international HSBC ATM transactions

China accepts all major credit cards, including Discover, which can be used at UnionPay ATMs and POS terminals.

It’s a good practice to use a debit card for cash withdrawals, but a prepaid travel card loaded with Chinese yuan could be a good choice if you don’t want to link your bank account.

Using a credit card

Credit cards from major networks are accepted throughout China in major stores and restaurants. If you’re looking for a solid credit card, consider a travel credit card to save money on foreign transactions and to earn rewards on purchases, such as the Capital One VentureOne Rewards Credit Card (Terms apply, see rates & fees ). In addition, the card may come with travel insurance, trip coverage, luggage insurance and car rental insurance against theft and damage.

If you often travel between the US and China, consider an airline cobranded credit card . You can save money on flights, on checked bags, priority boarding or lounge access. This type of card often comes with travel insurance and similar travel perks.

• Notify your bank you’ll be traveling to China
• Avoid using credit cards to make ATM cash withdrawals — use a debit card instead
• Decline to pay or make an ATM withdrawal in US dollars if offered
• Credit line access
• May come with travel insurance and coverage
• May come with concierge service
• Cash advance fees
• Cash advance APR

Always keep an eye on credit card fees, more so when you’re traveling overseas.

Foreign transaction fees

Most American credit cards will get you to pay foreign transaction fees that typically vary from 2% to 3% of each transaction. Luckily, you can find some cards that come with no foreign transaction fees, examples of which include the PenFed Pathfinder® Rewards Visa Signature® Card, the Hilton Honors American Express Card and the Marriott Rewards® Premier credit card.

Currency conversion fees

When presented with the option of getting your card charged in yuan or US dollars, always opt for the former. You don’t want to go the dynamic currency conversion way, which comes into effect when you make payments in US dollars outside of the US. If you do, you’ll probably end up with an undesirable exchange rate and a currency conversion fee.

Businesses in China commonly add a surcharge to the total cost of a purchase when a customer pays with a credit card. In some instances, this cost is a result of fees imposed by processing banks. If you’re not sure, ask about the surcharge before handing over your card.

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

• Credit cards

Using a debit card

It can be a good idea to travel with a debit card as they have minimal fees and can rarely be overdrawn. However, choose an account that waives or reimburses foreign currency exchange fees and ATM fees, such as the Betterment Checking debit card.

• Notify your bank that you’ll be traveling to China
• Use debit cards for cash withdrawals to avoid paying cash advance fees and cash advance APR
• No cash advance fee
• No cash advance APR
• No overdraft
• Weak or no rewards
• No access to a credit line
• Potential foreign transaction fees up to 3%
• Potential ATM withdrawal fees

Using a prepaid travel card

Prepaid travel cards could be a good choice if you can load them with Chinese yuan. Otherwise, you’ll pay foreign transaction fees in addition to all the other fees that come with this type of card. Using a prepaid travel card makes sense, however, if you don’t want a card linked to your bank account.

• Can load multiple currencies
• No links to your bank account
• Many fees, including currency conversion fees if the card is loaded with different currency
• May take time to load money

Paying with cash in China

Using cash is a convenient option when traveling. Be sure to exchange US dollars for local currency and note that carrying large amounts increases the risk of theft.

• Payment flexibility
• Convenience
• No need for ATMs
• High risk of theft

Using traveler’s checks

Traveler’s checks can be helpful if you want better security for your money. However, they’re rarely accepted and come with fees on purchases, when cashing them and on currency conversion. Also, it may take longer to cash your checks.

• Tip: Consider other money options in China
• Not accepted everywhere
• Fees for purchasing and cashing checks

China uses the Chinese yuan with a code CNY and a symbol ¥. It’s also known as the renminbi.

If you’re carrying cash, you can exchange a small amount at the airport if needed. Once in the city, exchange your US dollars in a bank for a better exchange rate. The bank may decline the exchange if you don’t have your passport with you.

If you’re carrying a debit card, making a cash withdrawal from an ATM would offer you the best exchange rate.

Refreshing in: 60s | Wed, Jun 26, 05:32PM GMT

Common Chinese Yuan Renminbi banknotes:

The main banks in China are:

• Industrial and Commercial Bank of China (ICBC)
• China Construction Bank
• Agriculture Bank of China
• Bank of China
• China Development Bank
• Postal Savings Bank of China (PSBC)
• Bank of Communications
• Industrial Bank Co Ltd
• China Citic Bank Corp
• China Merchant Bank

Find ATMs in China

You’ll find ATMs aplenty in major Chinese cities inside banks and shopping centers, available during normal business hours. ATMs accept both Visa, Mastercard and Discover cards, though you may see Visa’s Plus and Mastercard’s Maestro and Cirrus logos on the machines. However, to avoid foreign exchange and international ATM fees, go with a Betterment Checking Visa debit card in hand, which reimburses these fees automatically.

Use a heightened level of caution when traveling through China. Arbitrary detainment has been known to occur. But the most common crime for tourists is petty crime, such as bag-snatching and pickpocketing — even in broad daylight.

Be extra watchful in major cities, busy tourist spots and on public transit. Keep your wallet less accessible in your pocket and consider a money belt to keep your funds out of arm’s reach.

To fully enjoy your trip to China, consider combining credit cards for transactions and debit cards for ATM cash withdrawals. Since not every establishment accepts plastic, it’s a good idea to also carry some cash.

Check out our travel money guide page to find out what payment method might work best for you overseas.

Kliment Dukovski

Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full profile

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The 6 Best Travel Money Cards for China

If you’re travelling to China, a dedicated travel money card can make spending and withdrawing Chinese yuan cheaper and more convenient. Different types of travel money cards are available to suit different customer needs, including travel debit cards, prepaid travel cards and travel credit cards. The right one for you will depend on your personal preference and how you like to manage your money.

Keep reading for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - travel debit card for China

Before we get into details about different travel money card options, let’s start with the Wise card as a versatile option for a travel money debit card that allows you to hold and spend not only CNY but also a diverse range of other currencies.

Wise accounts can hold and exchange 50+ currencies , and you can get a linked Wise card for a one time delivery fee. Top up your account in pounds and switch to CNY before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%.

Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 50+ currencies alongside CNY

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for China compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for China compare side by side:

As you can see, the features and fees of different travel money cards can vary widely. Generally travel debit cards can be convenient and cost effective to use, while travel credit cards often come with nice benefits like cashback or rewards - but do mean you might need to pay interest costs and late payment charges if you don’t clear your bill in full every month.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

UK customers can get a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. Let’s take a closer look at what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Specialist providers typically offer travel debit cards with linked digital accounts that let you maintain and convert a currency balance. CNY isn’t always a supported currency for holding - but you’ll still be able to use your card to spend in China, often with a better rate than you’ll get from a bank. Although these cards have distinct features, they're typically simple to top up online and via an app, allowing you to monitor your balance and receive transaction notifications on your phone. This feature makes it easy to keep track of your finances, even while you're travelling.

Travel debit card Option 1: Wise

Wise is our best value travel money debit card for China. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent ATM withdrawal fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account , no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold CNY and 50+ other currencies, convert between them with the mid-market rate

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from free Standard plans to the 12.99 GBP/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. With Revolut you can hold around 25 currencies - but CNY isn’t a supported currency for holding. However, this can still be a strong pick as you can simply top up your account in pounds and convert to CNY when you spend with your card, with the mid-market rate to your plan’s allowance.

No fee to open a Standard Revolut account, or upgrade for up to 12.99 GBP/month

Card delivery fees may apply depending on your account tier

All accounts have some fee free currency conversion with 0.5% fair usage fees after that

Standard plan holders can withdraw 200 GBP (up to 5 withdrawals in total) per month for free

Hold around 25 currencies including GBP (CNY not supported for holding and exchange)

Pros and cons of using debit travel cards in China

No interest costs or late payment fees

Real-time currency holding and exchange options available

Digital top-up, management, and account viewing features

Safe to use as they're not connected to your primary UK bank account

Issued on widely-used global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

Click here to read a full Revolut review

How to choose the best travel debit card for China?

The best travel debit card for China really depends on your personal preferences and how you like to manage your money. If you’ll be travelling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as CNY, like Wise. Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks. While you can’t hold CNY in a Revolut account, you can still spend in CNY with your card, and you might get a better rate than your bank can offer.

Is there a spending limit with a travel debit card in China?  

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards

With a prepaid travel card you’ll need to order a card and add funds in the supported currency of your choice. Once you have a balance you may then be able to switch to the currency you need, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards support all currencies, so you may find you pay a foreign transaction fee if you pick a card which doesn’t support all the currencies you use.

Prepaid travel card option 1: Post Office

You can pick up a Post Office prepaid travel money card in a Post Office branch or order one online. You’ll then be able to top up in pounds or one of the 22 supported currencies, which includes CNY. If you hold CNY in your account there’s no fee to spend when you’re in China, but if you don’t have a CNY balance - or if your CNY balance isn’t high enough for the transaction, you’ll pay a 3% foreign transaction fee.

Hold and exchange 22 currencies including CNY

No fee to spend a balance in a supported currency

3% foreign transaction fee when spending a currency you don’t hold on the card

Variable ATM withdrawal fees - 15 CNY for use in China

No interest to pay

Click here to read a full Post Office review

Prepaid travel card option 2: Monese

Monese accounts can be opened by UK residents to hold GBP, EUR and RON. There are several different types of accounts, from the Simple account which has no monthly fees, to fee paying account tiers which have more features. It’s free to spend a balance you hold - but as CNY isn’t a supported currency, you may find you pay a foreign transaction fee of 2% when you’re spending in China. Foreign transaction fees may be waived for higher tier account holders.

Hold a balance in GBP, EUR or RON

Choose a free Simple account, or upgrade to an account with monthly fees

Foreign transaction fees of 2% may apply depending on your account tier

ATM withdrawal fees may apply, depending on the value of withdrawals and the account tier you hold

Track and spend Avios reward points within your account

Pros and cons of using prepaid travel cards in China

Manage your account, add more money or convert funds online or with an app

Accounts with no monthly fees are available

Selection of supported currencies, with no fee to spend a currency you hold

ATM withdrawals supported globally

Some accounts have extras like options to earn reward points

CNY may not be a supported currency

Transaction fees apply to most accounts

How to choose the best travel prepaid card for China?

There’s no single best travel prepaid card for China - it’ll come down to your personal preference. If you hold a Monese Classic or Premium account already it’s good to know that the 2% foreign transaction fee is waived, which means you get the card network rate when you spend in China. This may be cheaper than using your regular bank card. The Post Office card can also be a strong pick as you can hold a CNY balance, which you can spend for free, plus you can get a card instantly by walking into a Post Office branch.

Is there a spending limit with a prepaid card in China?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra options to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Barclaycard Rewards Visa

With the Barclaycard Rewards Visa card, there are no international ATM or foreign transaction fees. Instead, your overseas expenses are converted to pounds at the Visa exchange rate and added to your monthly statement. To avoid fees and interest, you’ll need to repay your balance in full each month, but as a bonus you can earn cashback on your everyday expenditures.

No foreign transaction or foreign ATM fee

Earn cashback at 0.25% on spending

Protection on purchases over 100 GBP

International spending uses the Visa exchange rate

Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which you can see when you check your eligibility for the card. There’s no foreign transaction or foreign ATM fee to pay, and all currency conversion uses the Mastercard exchange rate.

Variable interest rates

Check your eligibility and order a card online easily

No foreign transaction fee

No ATM fee - but interest will accrue instantly when you make a withdrawal

Mastercard exchange rates apply

Pros and cons of using credit cards in China

Spending more than 100 GBP covered by additional consumer protection

Option to pay for travel expenses over multiple months

Check card eligibility online without affecting your credit score

Potentially no foreign transaction or ATM fees

Network exchange rates usually apply, which are usually pretty fair

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for China?

The best travel credit card for China will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, the Barclaycard Rewards Visa might be a good pick, as it has no foreign transaction fee and offers cashback on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you’re planning to travel to China you might want to pick a travel money card for while you’re away. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

Not all travel cards support CNY, so you’ll need to check out the fees and features of a few to pick the right one for you. For example, you could opt for a low cost travel debit card which can hold a selection of currencies including CNY - like the Wise account. Or you might prefer a prepaid travel money card like the Monese card which can be linked to either a fee free account or an account which has monthly fees in exchange for lower transaction charges. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

The good news is that the UK market is well served for all types of travel money cards - use this guide to start your research and pick the right option for your specific needs.

FAQ - Best travel cards for China

You can usually make cash withdrawals with a credit card in China at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in CNY.

You can normally use your debit card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in China, making these good options to look out for when you pick your travel debit card for China.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

The 5 best travel money cards for china in 2024.

China is one of Australia’s favourite destinations and with all its attractions, weather and food it's not hard to see why thousands of Australians each year.

In China you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card.

To save you lots of time, we have compared a large number of best international travel cards to take to China for Australians in 2024 and have summarised their best points.

Best 5 Travel Money Cards for China in 2024:

• Wise Multi Currency Card for prepaid travel card
• Revolut Travel Card for low fees
• Commonwealth Travel Money Card for back up currency card
• HSBC Global Everyday Debit Card for best low fee debit card
• Bankwest Breeze Platinum Credit Card for lowest interest rate

Wise Multi Currency Prepaid Card - Best Exchange Rates

Best features.

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is an excellent choice for travelers heading to China, offering tailored benefits that cater to the specific needs of international visitors. Key among its features is the ability to access over 40 currencies at the interbank exchange rate, which is recognized globally as the most cost-effective option. This is particularly advantageous for those traveling to China, as it allows for seamless conversion of their home currency into Chinese Yuan (CNY) at very competitive rates. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Commonwealth Travel Money Card - Back Up Currency Card

• 13 currencies available, including Chinese Yuan Renminbi (CNY)
• No issue fee, load fees, closure and card replacement fees
• Additional card offered
• Locked in exchange rates: 4%+ margin on exchange rates
• Can be accessed through Commonwealth Bank app

Westpac Worldwide Wallet Global Card

• Min load of $1 and max of $100,000
• $3.50 fee at ATMs overseas
• 13 currencies offered CNY, USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED, AUD & VND
• Available to 14 year olds, has a lower age restriction than most credit cards (18 year olds)
• When you use your card for a purchase or withdrawal in a currency that is not loaded, or when they automatically transfer funds between the currencies on your card to enable the completion of the transaction at the Visa retail exchange rate plus 4%
• To transfer money between currencies or a transaction account, it will be at the bank rate which is normally 4% above the market value

The Commonwealth Bank travel money card is great to take to China as you can preload Chinese Yuan Renminbi (CNY) before you leave Australia. It is definitely worth taking as a backup in case one of your cards doesn't work in China.

We advise using this only for tap or swipe transactions as the ATM fees will make this card expensive to use in China. It can be used wherever Visa is accepted.

HSBC Everyday Global Travel Card - Best Debit Card

• Chinese Yuan Renminbi (CNY) offered on card
• HSBC own ATMs in China so no ATM fees
• No initial card, closure, account keeping or monthly fees
• No cross currency conversion fees

HSBC Everyday Global Travel Card

• 10 Currencies can be loaded are CNY, USD, AUD, EUR, GBP, CAD, NZD, SGD, INR and JPY
• No maximum balance for any currency
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Travel Card is a great option to take travelling to China and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees.

In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100. Finally it is one of the only travel cards that offers Chinese Yuan Renminbi (CNY). To avoid ATM fees you need to find HSBC branches in Australia and only use ATMs overseas with a VISA or VISA Plus logo.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance
• Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout Japan.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in Japan.

Learn more about the best credit, debit and prepaid cards for travel

Best Travel Credit Card

Best Prepaid Travel Cards

The best travel cards to use in China are the Wise Multi Currency card, which offers the best exchange rate for Chinese Yuan Renminbi, a HSBC Global , Citibank Plus or Commonwealth Travel Money Card for ATM withdrawals and the BankWest Platinum Breeze card for credit purchases. All of these cards do not charge an international transaction fee of 3%.

A travel money card is a good compliment to cash in China and we highly recommend taking both to China. Many times a card will not work in China or they don't accept cards so it is good to take cash. Other times it is too unwieldy to take the amount of cash required to pay for things like hotel accommodation, so a travel money card is better.

Yes, the Wise card does work in China, wherever Mastercard is accepted. You can pay for accommodation, restaurants with your Wise card. In addition you can withdraw cash from an ATM during your stay in China.

The best form of travel money in China is a mix of cards and cash. You need debit cards and credit cards and a prepaid travel card is a handy backup. China is also an economy that relies heavily on cash, so you need to buy Chinese Yuan before you leave or withdraw some from an ATM in China. The best cards to use to withdraw cash from in China are Citibank or HSBC to pay the least amount of fees.

You should use a travel money card for security. A travel money card is more secure than cash, you can only access your funds with your pin code, if the card is lost you can cancel it quickly. If you lose cash, you are unlikely to see it again.

To place most money on a travel money card, it's best to do it online via direct deposit from your bank account in Australia. Some companies charge if you put money on via Bpay and most charge you to put money on a travel card in person.

Debit cards, prepaid cards and credit cards with Mastercard or Visa can be used in China in most places. Similar to Australia, American Express is also accepted but not as frequently, due to the costs American Express places on the seller. Best to avoid other types of cards as they might not be accepted.

No you can not use Australian dollars or US dollars in China. The currency in China is the Chinese Yuan Renminbi, it is represented by the symbols 元 or ¥ and the 3 letter code is CNY. There are 7 banknotes in China and 3 main coins called yuan and jiaos.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

ASIC regulated

Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

• Pay like a local: Alipay and Mastercard offer international travelers another convenient way to make cashless payments in China

Linking any Mastercard card to the Alipay digital wallet makes e-payments in China even easier. Tens of millions of merchants across China stand to benefit from a bigger pool of international buyers.

With the resumption of travel and tourism to China in full swing, Mastercard and Alipay, China’s leading digital open platform under Ant Group, today announced the launch of a new payments option that provides international arrivals to China with another simple and secure way to go cashless when visiting the country.

Expanding on a partnership established in 2019 to offer enhanced digital payment solutions to both consumers and merchants, the new service by Alipay and Mastercard offers another safe and convenient way for international visitors to China to pay like a local when traveling around the Chinese Mainland, regardless of where in the world their Mastercard card was issued. Cardholders simply need to link their existing Mastercard credit or debit card to the Alipay digital wallet – and that’s it! There’s no need to set up or top up a prepaid account. (Download the wallet here .)

By having the choice to pay cashless, via mobile devices, at tens of millions of Alipay acceptance locations across the country where QR codes are the most popular form of payment, Mastercard cardholders from around the globe will have the option to transact with ease and convenience while in China, just like locals do.

According to the Mastercard Economics Institute’s fourth annual travel report, Travel Industry Trends 2023 , the global sector is rebounding, with leisure travel bookings up roughly 31 percent in March 2023 compared to the same period in 2019, driven by high-income consumers. It is believed that popular travel destinations, including the Chinese Mainland, will actively benefit from this trend.

“We strive to enable more consumers and SMEs to enjoy the benefits brought by inclusive digital payment services,” said Venetia Lee, general manager of Ant Group Greater China International Business. “The new service offered by Alipay and Mastercard will not only enable a better experience for international travelers when visiting China but will also unlock more business opportunities for merchants on the Alipay open platform as global travel is set for rapid growth.”

For merchants, especially small and medium-sized enterprises (SMEs), the Alipay-Mastercard tie up gives them more opportunities to transact with international visitors who will now have access to the most widely accepted payment method in China, allowing them to get around easily, without hassle.

Courtesy of Mastercard Payment Gateway Services (MPGS), overseas card transactions completed on the Alipay digital wallet are processed through Mastercard’s omnichannel payments platform that enables merchants – large and small – to easily accept a payment from anywhere in the world, helping businesses to grow, and consumers to transact safely and securely while at home or abroad.

“This next step in the partnership with Ant Group exemplifies Mastercard’s long term commitment to the China market, and the company’s continuous global effort to power economies and empower people,” said Dennis Chang, executive vice president and division president, Greater China, Mastercard. “As travel and tourism rebound, Mastercard is delighted to partner with Alipay to enable cardholders worldwide to enjoy the ultimate in payments security, convenience, and peace of mind as they work, play, rest, and roam during their journeys to China.”

In addition, travelers holding Mastercard cards issued in South Korea and China’s Hong Kong SAR, Macao SAR and Taiwan region can register at Mastercard Travel Rewards to enjoy additional privileges such as cashback for spend on popular travel activities such as shopping, dining, sightseeing, and transportation, effective immediately. *

*Please contact your bank or card issuer for availability and eligibility.

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About Alipay

In the digital era, Alipay has evolved from a trusted payment tool to an open platform that connects businesses, institutions, service providers, and other partners with consumers. Alipay enables partners from various industries to offer safe and convenient payment options. It also enables partners to communicate and deliver different digital services to their customers in China through Alipay mini programs, lifestyle accounts and other tools. The Alipay platform has connected over 80 million businesses with more than one billion consumers.

About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

www.mastercard.com

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Best Ways to Take Money to China in 2024

China is a huge and varied country, and reopened fully to tourists in March 2023 after Covid restrictions and closures. At the time of writing, visitor arrivals in China are still on the low side - thought to be only around one quarter of the numbers experienced pre-pandemic. If you’re looking for an adventure somewhere new, a trip to China could be the perfect pick, with some decent bargains to be had as the tourism industry starts to re-emerge.

If you’re planning a trip to China you’ll need ways to pay for things once you’re there. This guide runs through the benefits and drawbacks of 4 possible ways to take money to China so you can find the one that suits your specific needs best. 

Best ways to take money to China

In this guide we’ll walk through 4 of the most practical and popular ways to take money to China, including our top picks for providers to look at, pros and cons. Here are the common ways to pay overseas that we’ll investigate:

Prepaid Travel Card

Travel Debit Card

Travel credit card

Prepaid travel cards to use in China

Ideal for: convenient spending and withdrawals in the local currency, in China and elsewhere 

Prepaid travel cards are usually available online from specialist providers. You’ll need to register an account and order your card to be delivered to your home. Once you have your card you can add money to the linked digital multi-currency account in AUD or CNY, to spend once you arrive in China. Some cards allow you to choose to either convert your money to Chinese yuan before your trip, while others let you hold your balance in AUD and just calculate the conversion at the point of payment instead.

It’s helpful to know that mobile wallet payments are one of the most popular options in China, so using a travel prepaid card alongside either an international wallet like Apple Pay or a Chinese mobile wallet like We Chat Pay could be a good solution. Bear in mind that international wallets aren’t as commonly used as the popular local wallet solutions, though.

To get the most out of your prepaid travel card, pick one which supports a wide selection of currencies for holding and exchange, with fair exchange rates and low fees. In particular, it’s worth choosing a card with no inactivity fee and no ongoing charges, so you can hold on to it to  use it on future foreign trips, too.

Learn more about our picks for the 6 best prepaid cards .

Wise - our pick for prepaid travel card

With this card:

• Hold and exchange 40+ currencies in your linked Wise account
• No annual or monthly fees to pay, and no minimum balance requirement
• Currency exchange uses the mid-market rate with no markup
• Some free ATM withdrawals available every month
• Virtual and physical cards available

Pros and cons of taking money to China with a prepaid travel card

• Convenient for spending in CNY and a selection of other currencies
• Some cards have some fee free ATM withdrawals available 
• Secure as not linked to your everyday AUD account
• Many cards have no minimum balance amount and no ongoing fees to pay
• Cards are available which offer currency exchange at the mid-market exchange rate with no markup
• Inactivity fees and exchange rate markups may apply depending on the card you select 
• ATM fees apply to some cards, particularly if you make frequent withdrawals and exhaust your fair usage allowances
• Some cards charge a fee if you spend in an unsupported currency, or if you spend a currency you don’t hold in your account already

Travel debit cards to use in China

Ideal for: easy ways to spend in China, with ways to get travel perks like free global wifi, airport lounge access or insurance 

Travel debit cards are convenient for use globally, and can also offer distinct travel-focused benefits. These may be perks like free airport lounge access - and can also include ways to save money, such as some currency conversion with no fees to pay.

Generally travel debit cards also have a linked multi-currency account which you can use to hold, spend and withdraw in a broad selection of foreign currencies conveniently. However, CNY isn’t universally supported for holding, so you’ll need to check the details of the card you select. If you can’t hold CNY on your card, you’ll still be able to use it for spending in China. Just add money in AUD and the card will convert to CNY when you spend or withdraw.

Cards from specialist services aren’t connected to your everyday AUD account, which adds peace of mind. In practice this means that even if the travel card was stolen, your normal account and card is secure and thieves have no access to your main bank account. 

We’ll go into more detail about our top pick for a travel debit card - Revolut - next, and you can also read more about the best travel debit cards in Australia here.

Revolut - our pick for travel debit card

• Hold and exchange 25+ currencies
• Choose the account plan that suits your needs and spending, including some with no monthly fees
• Some no- fee ATM withdrawals and currency exchange with the mid-market rate, based on the account tier you choose
• Extra perks like accounts for under 18s, plus cash back on card spending for top tier account holders
• Travel benefits offered for some account plans

Pros and cons of taking money to China with a travel debit card

• Cards may have travel benefits and perks, and ways to cut the cost of spending overseas
• Available for withdrawals from international ATMs so you don’t have to carry a lot of cash at any one time
• No interest or penalty fees - just top up the amount you want to spend and you’re done
• Not connected to your main AUD account, adding a layer of security when you’re overseas
• Not all cards allow you to hold and exchange CNY
• Unlike with a credit card you’ll need to fund your account upfront
• Some cards have monthly fees to pay to get full feature access

Taking cash to China

Ideal for: a back up plan for the odd occasion when your card can’t be used, and for travel to more remote places 

China is on a mission to become a cashless society - a journey which was significantly accelerated during the Covid pandemic when consumers moved to contactless payments to improve hygiene. Many transactions in China are carried out with a card or using a mobile wallet - We Chat Pay and Ali Pay are the most popular, and can now be used by foreign visitors too.

All that said, having some cash is reassuring when you’re abroad, so taking some yuan with you is probably a smart move. You may prefer to use cash for low value purchases or when shopping in markets. 

Generally, carrying cash in China is best as a back up plan if your card isn’t available for some reason. You’ll be able to get Chinese yuan in cash at home through a money changer, carry AUD cash with you and exchange it in China once you arrive, or make a quick ATM withdrawal at the airport when you land.

In fact, using ATMs for your travel cash is a smart balance as you won’t need to carry too much cash all at once, and you can generally find a handy ATM whenever you’re in a town or tourist area.

Do I need cash in China?

While the majority of payments in China - even in more rural areas - are made with cards or mobile wallets, having some cash for tipping and small purchases is still a smart move.

You don’t need to plan your travel money too carefully - just get your cash from an ATM when you arrive. If you use a prepaid card or travel debit card for ATM withdrawals you’ll also often net a great exchange rate and low fees, too.

Learn more about currency in China here .

How to buy CNY on arrival in China?

You shouldn’t have any problem exchanging AUD to CNY when you arrive in China, as long as you carry clean, crisp and undamaged notes. Money changing services which are common anywhere you find tourists - but you’ll need to invest some time in shopping around and compare a few based on exchange rates and fees to get the best available deal.

How to buy CNY in China?

Another option is to exchange AUD to Chinese yuan in advance before you leave Australia. Providers like Travelex let you order the CNY cash you need online and either collect in a branch or have it delivered to home. Exchange rates are likely to include a markup.

Best place to get yuan from

There’s no single best place to get your travel cash - it’ll all depend on where you’re heading and how good a rate you can find either at home or on arrival. Compare a few options and bear in mind that it’s usually worth avoiding currency exchange in the airport or in your hotel.

Travel credit cards to use in China

Ideal for: secure payments which earn rewards and perks, also handy when you need a payment guarantee to check into a hotel

As we’ve seen, card payments are often accepted in China. If you plan to use a credit card rather than a debit card, it’s worth getting one which lets you earn rewards and cash back when you spend in foreign currencies. You might also find cards aimed at travellers which have low or no foreign transaction fees, airport lounge access or complimentary insurance. 

Compare the costs and benefits of the cards you’re interested in - bearing in mind that credit cards can mean paying slightly more overall when you spend. Having a credit card with you when you travel as a payment guarantee for when you hire a car or check into a hotel can be handy, as long as you’ve picked a card which doesn’t have too many fees to pay.

Learn about the best travel credit cards in Australia here, and read on for more on our top pick.

28 Degrees - our pick for travel credit card

• Order online and start spending with your virtual card instantly if approved
• No annual or monthly fees
• No foreign transaction or currency conversion fees
• Make ATM withdrawals overseas - fees apply for this service 
• Unlock perks like discounts on travel bookings and internet roaming packages

Pros and cons of travel credit cards to China

• Earn rewards and discounts, or get travel perks - depending on the card you pick
• Spread your costs out over a few months
• Some cards have low or no foreign transaction fees
• Credit cards are useful as a payment guarantee in some situations
• Interest and fees usually apply if you don’t pay back your bill immediately
• Cash advance and interest costs apply when using an ATM
• Eligibility rules apply

Travel requirements from Australia to China

You’ll usually need a visa to enter China. In some cases you may be able to get a visa on arrival, but this service isn’t fully operational at the time of writing. The range of Chinese visas, and the terms and conditions for getting a visa, visa waiver or visa on arrival are pretty complicated, so you’ll need to invest some time researching what exactly is needed in your specific situation.

Australians, for example, travelling to Hainan Island or the Pearl River Delta, may be exempted from a visa for a short visit as long as you’re part of an approved travel group. However, for most cases you’ll have to apply in advance to get your visa, which can take a few days for processing. 

Check the government’s Smart Traveller website to learn more.

Does China accept Australian dollars?

No. You won’t be able to spend AUD anywhere in China. If you’re carrying Australian dollars with you you'll need to exchange them for CNY in order to spend them.

Best currency to take to China

As you might expect, you can only spend Chinese yuan in China. You can exchange your AUD for Chinese yuan before you travel, make an ATM withdrawal on arrival, or exchange cash in China. If you plan to exchange on arrival you’ll be fine to carry AUD. 

How much money do I need per day in China?

China is a large and varied place, so planning your budget will take a bit of effort. Major cities offer high end experiences - which come with a high price tag. In more rural areas and smaller cities you’ll find things are much cheaper. To put this in context, in China on average you’ll find a cheap meal for one will be about 5 dollars, while  a 3 course lunch for 2 will set you back in the region of 45 AUD, and a single bus ride could be just 0.64 AUD. 

Do some detailed research to see how much things are likely to cost wherever you’re headed, so you can plan your budget. Get more detailed cost information by country and city, from Numbeo.com .

How much does it cost to fly from Australia to China?

Flight costs vary widely depending on where in Australia you’ll leave from and where exactly you need to be in China . At the time of writing (September 2023), you can find Hainan Airlines flight deals from around just 350 AUD if you don’t mind changing planes and making the journey fairly long overall. Direct flights are also available, but here the pricetag will be far higher - starting from around 900 dollars return.

There’s no single best way to take money to China. Cards and mobile payments are very widespread, but having some cash can also be reassuring. Carrying one or more cards, including a travel prepaid or debit card, as well as some cash is a good idea for most people. 

Check out specialist travel cards - such as a prepaid travel card from Wise or a travel debit card from Revolut - to use for spending and withdrawals, and to carry alongside your regular debit or credit card, and a little cash. Using a specialist travel card can mean you access lower overall costs when spending overseas compared to using a standard card with a foreign transaction fee - so you can do more on your trip.

Use this guide to decide which option to take money to China will work best for you, based on your own preferences and needs.

FAQs - Best ways to take money to China

Should i exchange money before i travel to china.

You won’t necessarily need to exchange money before you travel. Card and mobile wallet payments are widely accepted, and if you need cash, making an ATM withdrawal on arrival in China can work well. It may also be better value overall if you have a travel card from a provider like Wise or Revolut. 

Can I withdraw Chinese yuan from a local ATM?

You can’t withdraw Chinese yuan at a normal ATM in Australia, but you’ll be able to get CNY from an ATM on arrival easily. Use a travel card and your withdrawal may even be free. 

Are prepaid travel cards a good way to take money to China?

Travel prepaid cards from services like Wise have some great features like multi-currency balances and low or no ATM fees. They can also be a safe way to spend when abroad - consider getting a travel prepaid card to use alongside your other preferred payment methods, to bring down the costs of your trip.

Can I use cash in China?

Yes. Sometimes cash is the easiest way to pay for small purchases and tipping. However, card and mobile wallet usage are actively encouraged in China, so it’s worth also having a travel card, to make sure you’ll be able to pay no matter what happens.

Best China SIM Card: Everything You Need To Know

by Melissa Giroux | Last updated Apr 22, 2024 | Asia , China , SIM Cards , Travel Tips

Searching for the best China SIM card for your upcoming trip? Look no further!

In this guide, we’ll explain where to buy a SIM card in China in person and online. We’ll also discuss prepaid SIM cards for tourists and China eSIMs plans.

Before you read this guide, you may wonder if you actually need a SIM card in China. If you don’t mind not having Internet, you’ll likely find free Wifi in restaurants, shopping malls, and hotels.

That said, if you need data to get around, call a cab, or translate Chinese – you may want to get a SIM card for your travels in China .

It’s important to know that the Internet can be restricted in China. For example, some websites may be blocked or censored, and the speed of connections can sometimes be slow.

To stay connected while in China, it’s best to invest in a local SIM card (or eSIM) and use a reliable VPN to browse freely. I personally use NordVPN .

Best SIM Cards In China

If you’re traveling in China, we recommend using a SIM card from China Unicom, China Mobile, China Telecom, or Airalo.

I’ll get back to Airalo later on, so keep reading to learn more!

That said, if you’re planning on visiting other countries during your trip to Asia, you might want to make sure to pick an option that offers coverage in other Asian countries.

How To Buy A SIM Card In China

You can buy a China prepaid SIM card in person in some international airports, mobile provider stores, convenience stores, or online.

Usually, you can expect higher costs and low data offers at the airport, so we don’t recommend buying a SIM card at the airport.

That said, you won’t necessarily find SIM card shops in every airport, so it’s essential to keep this in mind. And, when you see a shop, you might also have limited options.

For this reason, I’d recommend buying a SIM card directly from the mobile provider store. Note that you may need your passport to buy one.

Although, this means you won’t get data right upon your arrival. So, if you prefer to be connected at all times, you could use an eSIM or purchase an Asia prepaid SIM card online.

Now, let’s look at the mobile data plans offered by China Unicom, China Mobile, and China Telecom.

Planning your upcoming adventures? Travel by bus! (It's cheap!)

China Unicom SIM Cards

China Unicom offers a variety of prepaid SIM card plans. The most relevant for tourists include:

• 10 GB data, valid for 30 days, for CNY 20 ($80)
• 20 GB data, valid for 30 days, for CNY 40 ($100)
• 30 GB data, valid for 30 days, for CNY 60 ($120)

China Mobile SIM Cards

China Mobile has several plans available for inbound tourists:

• 2 GB data, valid for 30 days for USD 48
• 3 GB data, valid for 30 days for USD 80
• 18 GB data, valid for 30 days for USD 198

China Telecom SIM Cards

China Telecom offers a number of SIM-only plans for local users:

• 30 GB, valid for 30 days, CNY 129 ($19.12)
• 40 GB, valid for 30 days, CNY 159 ($23.57)
• 100 GB, valid for 30 days, CNY 229 ($33.95)

Please note the China Telecom website is in Chinese and is difficult to use.

Overall, we think China Unicom is the best option if you plan to buy your SIM card in person. That said, any would do if you can’t find their store!

How To Buy A China Prepaid SIM Card Online

If you wish to have your SIM card ready for your arrival, you could purchase it online or on websites like Amazon.

You’ll find different plans on Amazon. For example, the Prepaid Asia-Pacific SIM card works in more than 17 countries and gives you unlimited data for 14 days. China is included.

But there are many other options worth considering, so have a look and make sure the countries you plan on visiting are listed.

Browse your options on Amazon

Another option is to purchase a prepaid China SIM card on SimOptions . You’ll have a few options to pick from.

• 6 GB, valid for 10 days for $19.90
• 6 GB, valid for 15 days for $39.90

Browse your options on SimOptions

Another popular option is to purchase from 3G SOLUTIONS, a local Chinese vendor. They have been selling SIM cards to tourists and business travelers since 2010.

They can deliver your SIM card to your hotel in China. You’ll get data as well as a Chinese phone number.

They offer many different packages, including the following:

• 10 GB, valid for 30 days for $30 (add 100 local minutes & texts for $5, VPN $9 – 12)
• 20 GB, valid for 30 days for $40 (add 100 local minutes & texts for $5, VPN $9 – 12)

Browse your options on 3G SOLUTIONS

Finally, the last option is to buy an eSIM card for China or, if you’re traveling to multiple countries, an eSIM plan for Asia.

How To Buy An eSIM Card For China

eSIM is a new concept that allows you to have a virtual SIM card inside your phone. If your mobile phone supports eSIM cards – it’s one of the best options to get mobile datas in China.

Curious? Learn more about eSIMs for travelers on eSIM Roamers .

I started using eSIM when my mobile phone supported it in 2021. To buy eSIMs, I usually use Airalo .

Keep reading to learn more about the best eSIMs for China.

Airalo China

If you want to buy an eSIM for China, you could purchase one on Airalo . This website offers many eSIM cards worldwide and special plans for Asia and China.

I’ve been using Airalo for several months, and it works fine.

Read our Airalo eSIM review to learn more.

Here are the options available :

• 1 GB, valid for 7 days for $5
• 2 GB, valid for 15 days for $8.50
• 3 GB, valid for 30 days for $11.50
• 5 GB, valid for 30 days for $16.50
• 10 GB, valid for 30 days for $28
• 20 GB, valid for 30 days for $49

Here’s an overview of the options available for Asia :

• 3 GB, valid for 30 days for $13
• 5 GB, valid for 30 days for $20
• 10 GB, valid for 30 days for $37
• 50 GB, valid for 90 days for $100
• 100 GB, valid for 180 days for $185

The options mentioned above are part of Asialink and offer coverage in 13 countries, including China.

Alternatively, if you’re traveling in other countries that are not mentioned on the list, you can try Discover Global, which offers coverage in 124 countries, including China.

Here’s an overview of the options available on Discover Global :

• 1 GB, valid for 7 days for $9
• 2 GB, valid for 15 days for $17
• 3 GB, valid for 30 days for $24
• 5 GB, valid for 60 days for $35
• 10 GB, valid for 180 days for $59
• 20 GB, valid for 365 days for $69

Now, one important thing to note about Airalo is that you’ll need to keep an eye out for the provider in each country.

Suppose you ever have trouble connecting to the Internet during your trip. In that case, it might be because you’re connecting automatically to networks and need to select a network manually instead.

When you purchase the eSIM, you’ll get access to the list of networks supported in each country.

Go to Airalo

Holafly China

Alternatively, you could look at your options on Holafly .

You can read our Holafly review to learn more about this eSIM store.

Here’s an overview of their plans for China:

• Unlimited data, valid for 5 days for $21
• Unlimited data, valid for 7 days for $29
• Unlimited data, valid for 10 days for $37
• Unlimited data, valid for 15 days for $51
• Unlimited data, valid for 20 days for $62
• Unlimited data, valid for 30 days for $75
• Unlimited data, valid for 60 days for $107
• Unlimited data, valid for 90 days for $139

Go to Holafly

Nomad China

Finally, Nomad is also a great eSIM provider.

Here’s an overview of the plans available for China:

• 1GB, valid for 7 days for $4
• 2GB, valid for 7 days for $10
• 3GB, valid for 30 days for $9
• 5GB, valid for 30 days for $13
• 10GB, valid for 30 days for $22
• 15GB, valid for 30 days for $28
• 20GB, valid for 30 days for $34
• 30GB, valid for 30 days for $80
• 40GB, valid for 30 days for $110
• 50GB, valid for 30 days for $125

Nomad also has APAC , an eSIM plan in Asia. This plan offers coverage in China.

Here’s an overview:

• 1GB, valid for 7 days for $6
• 3GB, valid for 30 days for $15
• 5GB, valid for 30 days for $17
• 10GB, valid for 30 days for $50
• 20GB, valid for 30 days for $69

Go to Nomad

Restricted Browsing In China

If you thought the internet was free and open to everyone, think again. The Chinese government has been restricting access to websites for years, and they’re not stopping anytime soon.

For example, China blocks access to websites like Facebook, Twitter, YouTube, and Google.

Of course, there’s a way around this. If you’re looking for an unfiltered online experience in China, you can use virtual private networks (VPN).

They’re a great way to access the content you want without worrying about restriction.

Get yours in preparation for your trip to China. We recommend NordVPN or ExpressVPN .

Final Thoughts On SIM Cards For China

As you can see, getting a prepaid SIM card in China or even an eSIM for your travels in China is pretty straightforward.

You’ll even be able to stay connected wherever you go in Asia without changing your SIM card, especially if you purchase an Asia plan.

I believe the eSIM card is the most convenient way to get data in China if you wish to have data upon your arrival. This way, you won’t need to go to a store to buy a SIM card.

You need to make sure your mobile phone supports eSIM first.

Psst. Traveling to China soon? Get a VPN ! Otherwise, you might have restricted access to the Internet.

Traveling to Asia soon? Read one of the following blog posts:

• Philippines SIM card
• How many days in Tokyo
• Singapore itinerary
• Bhutan SIM cards

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Travel China the smart way! Expert tips and travel advice for China tourists and expats.

PLANNING A TRIP TO CHINA? Start Here

Best China SIM Cards & eSIM Options | Ultimate 2024 Guide

January 28, 2024 By Josh Summers

How can you get China SIM cards? And which China SIM card is best? While some travelers have the option to activate the international roaming on their home country phone plans, that’s either really expensive or not a good option for those who will be in China long-term. The best solution is to get your own Chinese SIM card. Here’s how.

Having traveled around Asia for over 15 years, I highly recommend traveling through China with a smartphone .

You can get map directions, pay for almost anything, use Chinese voice translators , use the popular WeChat app, book Chinese trains , and so much more. In short, your smart phone can take all the most common pains out of traveling so you can focus more on having a good time.

But to do all these things, you need network access for your phone, which often requires buying a local China SIM card.

For those who may not know, a SIM card (short for “subscriber identity module”) is that little card that goes inside your phone that connects you to local service (phone, text, internet). You may not know it’s there…but it is.

Newer phones now have the option to use what’s known as an eSIM, which is a digital version of this small card.

Overall I recommend three ways to connect to China’s mobile network using your phone:

• Purchase a PrePaid SIM Card: If you know for sure that your phone is unlocked, you can purchase a Chinese SIM card (or eSIM card) prior to your arrival in China.

• Purchase a SIM Card in China : If you’re already in China or if it’s too late to purchase a prepaid China SIM card, you can always visit the office of a local service provider in China to get a SIM card. This option takes time, however, so I wouldn’t make this your primary option.
• Rent a Phone / International Roaming: If your phone isn’t unlocked but you still need to use a phone in China, you can either rent a phone or use international roaming with your home carrier.

Before I go on about SIM cards, it’s worth noting that if all you need is internet access, you can always look into your options for getting reliable WiFi in China . There are drawbacks to this method, but in some ways it is easier than trying to get a China SIM card.

Table of Contents

• The Basics | SIM Cards in China
• Best China SIM Cards (My Recommendations)
• How to Top Up a SIM Card in China
• 6 Tips for Using a Phone in China

In order to better understand how to use your mobile phone internationally or how China treats cellular customers, let’s start off with some basics of Chinese SIM cards.

Note: Some links in this article are affiliate links, which means that at no extra cost to you, I may be compensated if you choose to use one of the services listed. I only recommend what I’ve personally used, and I appreciate your support!

The Basics – Using a China SIM Card

Although using a SIM card with any phone is generally as easy as inserting it in your phone (or the 5-minute setup process for an eSIM), there are a couple basic -but incredibly important! – things you should know before buying one for China.

Let’s run through the most important ones.

Your Phone Must Be Unlocked for a new SIM (IMPORTANT!)

First thing to know is that your phone needs to be unlocked to use a China SIM card .

If you purchased your phone at a discount (e.g. AT&T or Verizon subsidized the phone or gave it to you “free”), or you currently lease your phone, it’s likely your phone is locked by your carrier.

Unfortunately, if this is the case you can’t use a China SIM card.

Note on Locked Phones

This isn’t the case for phones that offer 2 SIM card slots or for eSIMs. In this case, you can still purchase a SIM or eSIM even if your phone is still locked to your home carrier.

Until you make a request to your carrier and in some cases pay off the balance of your phone entirely, that mobile phone will remain “locked” into that service provider.

Still not sure if your phone is unlocked?

If so, use one of the resources I list below to check if the phone is unlocked.

• Check Your Phone’s Unlock Status (imei.info)
• Check Your Phone’s Compatibility with China Carriers

If it is, you can contact your phone carrier and explain you need the unlock code for your trip to China. As long as you don’t have any outstanding balances on your account, your wireless carrier generally will have zero objections to unlocking your phone.

Expect this process to take a few days, so plan ahead should your trip to China be coming up.

SIM Cards in China Expire with No Use

During my second trip to China, I was surprised to find out after landing that my previous phone plan no longer worked, despite having plenty of credit leftover from the previous trip.

This happened because Chinese phone providers cancel unused SIM cards after a certain amount of time (different for each carrier).

You’ll want to be careful not to buy your Chinese SIM card too far in advance.

Once you buy a prepaid China SIM card, it may only last 30 days upon activation. So time your purchase accordingly and request for your SIM card to activate on the day you land in China.

Remember to also only buy enough credit to last you for your trip. Even if you do revisit China, your leftover credit will likely be forfeited after 30 or 60 days.

Don’t worry, you can always top up your phone in China if you run out of credit.

You Must Register to Activate Your China SIM Card

The Chinese government requires real-name registration to activate a SIM card.

If you purchase a pre-paid Chinese SIM card before you leave (which I recommend), this means you usually have to provide a copy of your passport.

When buying a prepaid China SIM card, don’t be surprised when the company requires you to send in a photocopy of your passport. It’s an unavoidable part of the process to activate the SIM card.

If you purchase the SIM card within China, this could mean providing bio-metric data such as a face scan and fingerprints in addition to your passport.

Best China SIM Card (Recommendation)

Whether you’re purchasing a prepaid China SIM card before you arrive or you’ve decided to purchase a SIM card from within China at a local telecom office, it helps to know what’s available and which are the offers for the best China SIM card plan.

I’m always an advocate for things that make traveling in China easy. So my top pick for the best SIM card for China is one that can be easily purchased online prior to your arrival and that works with pretty many any phone that you might have.

Airalo China eSIM Solution *Recommended*

• eSIM Cards available for immediate use
• Data only (no phone number)
• Various data packages available
• Works all across China
• Available packages for 7, 15 and 30 days

For most people, having a phone number isn’t necessary when traveling. The only thing that matters is DATA. That’s why the Airalo China eSIM is such a good option.

There are multiple eSIMs to choose from, which include various options for validity (7 days, 15 days, or 30 days) as well as data limits (1GB up to 20GB).

Every Airalo eSIM offers coverage across every part of China and works immediately once you land in country. Best of all, setting up an eSIM takes only about 10 minutes from the moment you click “purchase” to the moment when the eSIM is available to use.

Still, you’re going to want to get this set up prior to your visit to China, as well as downloading a good VPN for China .

China Phone Plans (Purchased in China)

There are three major cellular providers in China:

• China Telecom
• China Unicom
• China Mobile

Unfortunately, China Telecom SIM cards don’t work with phones purchased outside of China, so even though you’ll see plenty of China Telecom stores in China, you’ll want to stick with either China Unicom or China Mobile.

While China Mobile is the market leader in China and generally has the best nationwide coverage, China Unicom is compatible with more foreign phones, allowing them to access both 3G and 4G service. That being said, I’ve used both services and had good experiences either way, so it’s hard to go wrong!

If you’re going to purchase a SIM card in China, here are my recommendations for the best China SIM card plan for each carrier.

When visiting a China Unicom store, I’d go with the “Nationwide Data King” plan (全国流量王/ Quánguó liúliàng wáng) for 2019. Here are the details for the plan:

• 69 RMB prepaid monthly
• 10 GB of nationwide data
• 500 minutes of outgoing nationwide calls
• Incoming calls and SMS text messages are free
• Additional outgoing calls are 0.15 RMB/minute
• Additional data charges are 10 RMB/100MB and 30 RMB /1GB

Most foreign phones won’t work with China Mobile’s 3G network, so you’ll be pushed to their 4G coverage where available (2G where not available). Here are the details for their best phone plan plan for 2019:

• 88 RMB prepaid monthly
• 10 GB of nationwide data coverage.
• 50 minutes of outgoing nationwide calls.
• Incoming calls and SMS text messages are free.
• Additional outgoing calls are 0.19 RMB/minute.
• Additional data slows down to 1 mbps until you top off your card.

China Mobile Details

In general, if you’re using a foreign phone, I recommend China Unicom over China Mobile .

China Unicom is most compatible with foreign phones and you can use both 4G and 3G service. I’ve also never experienced any real problems in service in major Chinese cities and their plans are really cheap for what you get!

China Mobile ranks #1 in coverage throughout China, but since their 3G service generally isn’t compatible with phones purchased outside of China, anywhere where there isn’t 4G coverage you’ll automatically get bumped down to the painfully slow 2G service.

DISCOUNTS: As with any business, you’ll often run into special promotions or discounts being offered in-store at both China Mobile and China Unicom. Sometimes these can be really good deals if you plan to be in China for a long while, but if your need of a China SIM card is short-term, it’s best to stick with the above recommended plans.

How to Top Up China SIM Cards

It’s quite possible that you encounter a point where they use up all your phone or data credit and cannot make outgoing calls, text messages, and lose the ability to access the Internet.

There are several ways for “topping up” your China SIM card when you run out of credit.

• Top Up At a Local Store . You can visit any one of your mobile carrier’s stores and give them your phone number and cash. They will take that as a hint that you need more credit added to your China SIM card. This method always works but, depending on the line, can take quite a while to accomplish.
• Top up through Alipay or WeChat Pay . While this is arguably the easiest and fastest way, you need a local Chinese bank account or money in your Alipay/WeChat Pay wallets to top up. If you don’t have a Chinese bank account, you can always hand a Chinese friend some cash and they can top up your Chinese SIM card for you.

I personally prefer topping up using Alipay or WeChat pay.

Using a Phone in China | 6 Crucial Tips

Finally, to maximize the use of your China SIM card or if you want to consider alternatives to buying a China phone plan entirely, I’ve got 6 crucial tips for you:

• Remember that China actively censors Internet content including websites and apps like Facebook, Instagram, YouTube, WhatsApp and many, many more blocked websites . So to share stories and photos with your friend during your journey, I’d buy a VPN before you leave to get around the Internet censors (such as ExpressVPN ), otherwise it’s much harder to do so once you arrive since the VPN websites are blocked. Thankfully, there are still ways to install a VPN from within China .
• As mentioned above, the easiest way to buy a prepaid China SIM card before you depart for China . This can easily free up an entire morning or afternoon to see other things in China instead of waiting and trying to figure out phone plans. We recommend Airalo’s China eSIM options .
• It can be easy to run out of phone credit quickly in China especially if you are consuming heavy data usage services like streaming and video chat. If you have a plan with less data than you would normally use at home, use your phone sparingly so you can avoid having to top off your phone plan multiple times.
• If all you need is Internet access and don’t see yourself needing to make any phone calls, consider instead renting or buying a global WiFi hotspot device for your trip .
• It’s no secret that the Chinese government monitors communication you send through WeChat and I for one do not like the idea of my passport tied to a China SIM card for privacy purposes. Even businesses restrict their own devices being used in China out of concerns for intellectual property theft, so I’d consider renting a phone for China during your trip. This is also a good option if your phone carrier won’t agree to unlock your phone.
• Lastly, you can always consider not dealing with the hassle of getting a China SIM card by using your own cellular provider in China. Keeping mind, though, that the international roaming charges can potentially run you a fortune. This option definitely wins for convenience, but can easily break the bank for budget travelers.

Final Thoughts | China SIM Card

As a seasoned traveler in China, I definitely think it’s worth having a local phone plan for your trip to China. Overall, I find buying one online easiest (especially a prepaid China SIM card ) and there are many ways to top off your plan should you run out of credit.

If getting a SIM card is something you truly don’t want to do, then I would settle for global WiFi as a reliable and affordable alternative for accessing the Internet.

Don’t forget to also get yourself a VPN before you leave so you can access blocked websites and apps like Facebook and Instagram. There are many good VPN providers out there, but I personally prefer ExpressVPN .

Further Reading & Resources

Traveling or Moving to China Soon?

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About Josh Summers

Josh is the founder of TravelChinaCheaper.com who has been living in China with his family since 2006. Over that period of time he has traveled by plane, train, car, motorcycle and even camel to explore almost every corner of the country.

Reader Interactions

February 27, 2019 at 10:42 am

Hey Brian, the link for 3G Solutions in the article allows you to order a SIM card in the USA. They also have a listing on Amazon, if you’d rather order through Amazon: https://amzn.to/2SvmGY7

February 27, 2019 at 4:04 pm

Hi, is it possible to connect to my iphone (personal hotspot) with USB cable to use my phone data for my laptop when in china with a local unicom sim?

February 27, 2019 at 6:58 pm

I was able to do it with China Unicom, but I’m not sure whether that’s a specific phone plan. You’ll want to ask as you’re setting up your plan.

February 27, 2019 at 4:31 pm

Hey Josh, timely article! i have been in anshan for a week. my china unicom sim card expired while i was back in florida. i will visit a china unicom store today to rectify the problem. I am heading to yingkou tomorrow for two weeks. then i fly from there to xi’an for a week. back to yingkou after that; return to Panama City beach on april 16th.

I really appreciate your articles. by the way, due to your recommendation, i have a 15-month subscription with express vpn. i am very satisfied with their service.

thanks again!

February 27, 2019 at 6:56 pm

Awesome, John! So glad it’s worked out and I wish you safe travels 🙂

February 28, 2019 at 5:56 am

Thanks Josh, suggestions for 4g also(iphone x) Guangzhou,hk?

March 16, 2019 at 11:04 am

This is a good read. I will be in beijing next month for a vacation. I am from the Philippines. I will be arriving Beijing by 1AM. I would like to know if the stores will be open by that timeto get a sim card? Based on the willmyphone work link (thanks for the insight btw), my phone can be supported only by China Unicom. If the stores will already be closed by that time, what are my options?

Any help would be appreciated. Thanks!

March 16, 2019 at 7:30 pm

Hey Well, unfortunately all the shops, including those in the Beijing airport that might sell SIM cards, have already closed by 1am. You only have two options: 1) pre-purchase your SIM card using the 3G Solutions link in this article or 2) wait until the morning to get a SIM card. I recommend saving time by pre-purchasing.

April 15, 2019 at 10:45 am

Where to buy chinese sim card in Toronto? Thanks

April 23, 2019 at 4:23 am

If you live in the U.S., get a Google fi account. I have traveled to china 6 times and get good data service (LTE) from both China Telecom and China Unicom. Data costs $10/GB and is free over $60. The phone line costs $20/month and calls are $0.20/min or free over wifi. Google gets the service through T-Mobile, but for Google it is running at full speed. The great advantage is that you can be reached through your US number and that the service works in almost every country. It used to be that you needed a Google phone, but now a lot of other phones work with it too. I personally have the original Pixel XL from 2016 and it has an amazing camera. Only $120 used on eBay.

May 22, 2019 at 12:40 am

Hi Josh, We arrived this morning in urumqi from Brazil. We are trying to BUy prepaid Chinese SIM cards, but people say we can’t do it in XINJIANG with a foreign passport. Is that right?

June 27, 2019 at 8:53 pm

Hi Josh, thanks for the useful information. when I get a Chinese sim card, will it be in English, I am not tech savvy

July 6, 2019 at 2:58 pm

So we will be able to buy chinese sim card using a passport? When i tried that in winter of 2017 in China they told me only chinese ID is accepted

July 8, 2019 at 9:36 am

Yes, you can use a passport, although often you have to go to a main telecom office, not a smaller one.

July 18, 2019 at 8:42 am

do you know which terminal in beijing’s airport sells sim cards? is there a store outside the baggage claim area?

July 23, 2019 at 3:16 pm

All of the terminals should sell them now in Beijing and Shanghai. You’ll see a kiosk near the baggage claim area.

July 20, 2019 at 12:30 pm

Do I need a China sim card if I can use Verizon’s travel pass?

July 23, 2019 at 3:15 pm

No, you don’t need a China SIM card in that case.

July 27, 2019 at 4:32 am

Thanks for the helping article. I’m going to be TRAVELING to china very soon and i Was cUstOmizing my sim card through the “explore 3G solutions” link, but I wanted to double check if it was a good idea to get a sim card only with data (GB + VPN). So i suppose my questions are: 1) do I need the national calls and texts option or can i Get by wIth just my data? ,2) Does the VPN added as part of the package aCtually work or should i buy it SEPARATELY from VPN eXpress?? I would greatly appreciate your feeDback as soon as Possible. Thank you!

July 28, 2019 at 2:52 pm

Great questions. Getting a local phone number allows you to receive texts, which in many cases helps if you want to use WiFi around China. Otherwise, you can do fine with just data.

As for the VPN, I recommend getting your own VPN (like ExpressVPN , separate from the SIM card company.

August 9, 2019 at 1:05 pm

Thanks for the wonderful insights about sim cards. I would like to ask your suggestion if i should get A china mobile or china unicom sim? Im using samsung note 8. Which provider offers more stable data connection. Thank you and hope to hear from you

August 12, 2019 at 8:59 am

They’re both about the same, so it really depends on which is more convenient for you where you’re located.

August 21, 2019 at 8:14 am

I am not sure if this workS in china but i know it works in eUrope, mexico, and other asian COUNTRIES. I have magic jack with a usa number for our unit down south, it works with wifi or on a phone. It cost 19.95 a year. You can onlY call or text canada and usa.

August 21, 2019 at 9:23 pm

Yes, there are a number of VoiP options available, but they don’t give you a Chinese phone number. You’d be surprised at how helpful this can be as you’re traveling around China.

August 22, 2019 at 3:39 am

Good read! But a few questions:

1. Will a data only sim card able to order didi? i.e. driver won’t be able to call you or text you. yes I can read and speak chinese. 2. The 2 local plans seem to be all monthly plans? Do they have a prepaid one-time only plan? Can I buy them in the gaungzhou airport?

August 22, 2019 at 9:41 am

That’s a good point, which is why I often recommend people get a Chinese SIM card instead of using their international roaming. You need a phone number in order to use DiDi.

As for local plans, they all seem to be monthly plans. I don’t know that they do prepaid, one-time plans. And yes, there are SIM card kiosks at the Guangzhou airport 🙂

August 25, 2019 at 3:23 am

I have a China mobile SIM, on the 88rmb package. I constantly travel to China but was wondering how it works if let’s say the month finishes and I wait 15 days to recharge. Will that mean the next month of data starts when I recharge? Will I have to recharge every single month to keep using the number?

August 25, 2019 at 8:16 pm

You need to keep recharging in order to keep the number.

September 3, 2019 at 1:41 am

Hi Josh, thanks for the very informative article. My question is: can I activate these prepaid sim cards to test and make sure everything works before going to China ? Or do I have to activate them after arriving in China ?

September 3, 2019 at 9:45 am

They’re active when you receive them, but they’re useless until you arrive in China. It would be pretty hard to test them, I would think.

September 4, 2019 at 10:33 am

Hey Josh, Thanks for the great article! It is very useful. Is the nationwide king plan still up? I’m planning on getting it at a China unicom store tomorrow. Thanks 🙂 Christophe

September 5, 2019 at 12:53 am

It should be! But if not (these things tend to change), you can usually find something comparable. They’ll show you what’s available when you arrive. Good luck!

September 5, 2019 at 2:40 pm

Hi. I am Starting off in HK. There for 6 weeks before going to china for 4 months. What do I do regarding sim card HK? Thanks so much for taking the time to do this guideline and tips. It is extremely helpful and much appreciated .

September 5, 2019 at 11:29 pm

My pleasure, Lee! Thankfully, it’s much easier to get a temporary SIM card in Hong Kong at the airport. You can get one that will work for 6 weeks (although, technically, your China SIM card will work in Hong Kong as well).

October 12, 2019 at 9:54 pm

Hey josh, thanks for the article. Just wondering whether i need to head To a unicom store to purchase a sim or are there other retail outlets? Thanks, jess

October 13, 2019 at 8:46 am

If you’re already in China, I would go to a store. If you haven’t arrived yet and you’re only traveling through China, I would pre-purchase a SIM card to make things easier.

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Shanghai offers prepaid travel cards to visitors

Shanghai has released Shanghai Pass, a multipurpose prepaid travel card, to facilitate easy payments by inbound travelers and other visitors.

With a maximum balance of 1,000 yuan ($140), Shanghai Pass can be used for public transportation, and at cultural and tourism venues and shopping malls, according to Shanghai City Tour Card Development Co, which issued the card.

The card can be purchased and recharged at Hongqiao and Pudong airports and at major subway stations such as People's Square Station.

Cardholders can have any remaining balance refunded when they leave the city.

They can also use the card for public transportation in other cities, including Beijing, Guangzhou, Xi'an, Qingdao, Chengdu, Sanya and Xiamen, the company said.

Chinese authorities have taken an array of measures to enhance convenience for visitors, as foreigners who primarily rely on bank cards and cash may encounter challenges with cashless or non-card mobile payments, which is currently the predominant method of payment in China.

Shanghai received 1.27 million tourists in the first quarter of this year, up 250 percent year-on-year, and is expected to receive about 5 million inbound tourists for the whole year, according to the Shanghai Municipal Administration of Culture and Tourism.

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25 Jun 2024 - 5 min read

How to Pay in China: A Guide for Travelers and Locals

China has become a global leader in mobile payments, leaving cash and traditional cards behind. Understanding how to pay in China is crucial for a smooth travel experience or everyday life as a resident. This guide explores the different payment methods in China, focusing on mobile wallets and offering solutions for tourists.

How to Make Payment in China

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In China, forget about bulky wallets and cash. Digital payment apps have become the preferred way to pay for everything, from grabbing a tasty bite on the street to making rent payments. These mobile wallets have become so integrated into daily life that they are the go-to payment method for almost any transaction.

While mobile wallets reign supreme, other payment methods still hold some relevance:

How to Pay with QR Codes

YueStock / Shutterstock.com

QR codes are king when it comes to mobile payments in China. Here's how it works in two ways:

Online Shopping with Alipay and WeChat

The convenience of mobile wallets extends to the booming world of online shopping in China. Major platforms like Taobao/Tmall (Alibaba) and JD.com (Jingdong) have seamlessly integrated Alipay and WeChat Pay into their checkout processes. This allows users to complete purchases with just a few taps, eliminating the need to manually enter payment details.

Transferring Money Using Alipay and WeChat

For splitting bills with friends or making casual payments, mobile wallets offer a built-in solution. Both Alipay and WeChat Pay allow for easy person-to-person transfers. However, WeChat Pay tends to be the preferred option due to its wider user base, making it more likely your friends will also have it.

Other Payment Apps

Although Alipay and WeChat reign supreme in mobile payments, other contenders exist. UnionPay, the powerhouse behind China's debit and credit card networks and ATMs, offers its own mobile payment app. However, unlike the feature-rich dominance of Alipay and WeChat Pay, UnionPay's app focuses solely on payments, limiting its appeal and hindering widespread adoption.

For those seeking a more familiar approach, internet banking remains an option. You can use your foreign bank's online platform to transfer funds to major Chinese banks. However, directly paying businesses or individuals in China might be restricted due to international banking regulations.

While digital wallets have become the preferred method, traditional payment options like cash and cards are still usable in some situations. It's important to note that cash is becoming less common, and using foreign cards can incur high fees.

How to Choosing the Right Payment Method

For most travelers and residents, downloading and setting up Alipay or WeChat Pay is the most convenient option. Both offer English interfaces and cater to foreigners. Consider these factors when choosing:

How to Pay in China as a Tourist

As a tourist visiting China, here's what you need to know:

Additional Tips:

How to Use Wechat Pay in China

WeChat Pay, integrated within the popular WeChat messaging app, is a preferred payment method for many. Here's a basic guide on how to use it:

If you don't have a Chinese bank account, Alipay offers similar functionalities and can be used in most places that accept WeChat Pay.

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China's mobile payment landscape is a testament to the country's technological advancements. Understanding the different payment methods, especially mobile wallets like Alipay and WeChat Pay, is crucial for a seamless travel experience or everyday life as a resident. Whether you're exploring the bustling streets of Shanghai or navigating the serene landscapes of rural China, having the right payment tools at your disposal will make your journey more enjoyable and convenient.

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Purchase a Prepaid Credit card in China

I am located in Shenzhen and I wish to purchase a Visa or MasterCard prepaid credit card where do I do that? I already have access to a CUP card I need a Visa or MasterCard Prepaid Card

Disable Travel Pass: A Quick Guide

• Last updated Jun 27, 2024
• Difficulty Beginner

• Category Travel

If you're a Verizon customer, you may want to disable TravelPass while abroad to avoid unexpected charges. TravelPass is a service that allows customers to use their domestic data plan while travelling abroad for a daily fee. However, this can quickly add up, especially if you're abroad for a long time. To avoid this, you can remove your Verizon SIM card and purchase a local one, use Wi-Fi and Wi-Fi calling, or contact Verizon to disable TravelPass.

What You'll Learn

Remove your verizon sim card and use a local sim card, put your phone in airplane mode and use wi-fi, use messaging apps to communicate instead of traditional texting, use a prepaid travel phone with a fixed amount of data, calling, and texting, download offline maps and content to avoid using data.

If you want to avoid roaming charges while abroad, one option is to remove your Verizon SIM card and use a local SIM card. Here's a step-by-step guide on how to do this:

• Lock your Verizon SIM card with a PIN: Before removing your Verizon SIM card, it's important to secure it by setting a PIN. This will prevent others from using your SIM card if it is lost or stolen. Go to your device's settings and enable the SIM card lock with a PIN code.
• Power off your device: To remove the SIM card, you'll need to turn off your phone completely. This will ensure that you don't accidentally remove or damage the SIM card while it is still in use.
• Remove your Verizon SIM card: Once your device is powered off, locate the SIM card tray. This is usually found on the side or top of the phone, depending on the model. Eject the tray carefully and remove your Verizon SIM card. Keep it in a safe place, as you may need it later.
• Install the local SIM card: Purchase a local SIM card from a trusted provider in the country you're visiting. Ensure it is compatible with your device and your desired plan (data, talk, and text). Insert the local SIM card into the tray and place it back into your device.
• Configure your device: After inserting the local SIM card, turn on your device and follow any instructions provided by the local carrier to configure your phone's settings. This may include setting up a new phone plan, updating network settings, or installing additional software.
• Test your connection: Before you start using your phone extensively, test your connection to ensure everything is working properly. Make a test call, send a text message, and try using mobile data to browse the internet. Ensure you understand the rates and charges associated with the local SIM card to avoid unexpected fees.
• Keep your Verizon SIM card safe: While using the local SIM card, store your Verizon SIM card in a safe place. You may need it again when you return to your home country or switch back to your Verizon plan.

Remember, removing your Verizon SIM card will temporarily disconnect you from your Verizon plan. If you need to access your Verizon services or use WiFi calling with your original number, you may need to reinsert the Verizon SIM card. Always understand the rates and charges associated with using a local SIM card to avoid unexpected fees.

Traveling to Hawaii with an Expired Visa: Is it Possible?

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When travelling abroad, you can avoid roaming charges by putting your phone in airplane mode and using Wi-Fi. This is a great way to avoid surprise roaming fees. Here's how to do it:

First, enable airplane mode on your device. This will turn off your phone's ability to connect to cellular networks, so you won't be able to send or receive calls or texts or use cellular data. However, this also means that you won't be charged roaming fees, as your device won't be connecting to networks outside your home region.

Once your phone is in airplane mode, you can then connect to a Wi-Fi network. Wi-Fi does work in airplane mode, and it won't trigger roaming charges because it doesn't use cellular towers. You'll need to manually turn on Wi-Fi, as airplane mode defaults this setting to off.

With your phone in airplane mode and connected to Wi-Fi, you can now safely use your device without incurring roaming charges. You can browse the internet, check your email, and use messaging and calling apps over Wi-Fi. Just be sure to stay informed about staying safe on public Wi-Fi networks.

It's important to note that when your phone is in airplane mode, anyone with access to your GPS can still see your location. If you want to turn off your location completely, you'll need to disable the GPS feature on your device. Additionally, both Wi-Fi and Bluetooth will continue using battery power as long as they're on, so you can switch them off to save more battery power.

By following these steps, you can keep your phone with you while travelling abroad and avoid unexpected roaming charges.

Understanding the Importance of a Visa for Travel

Using messaging apps is a great way to stay connected while travelling without incurring expensive international texting charges. With WiFi, you can do almost anything for free, including texting. However, you can't use your regular texting app for this. Here are some tips for using messaging apps while travelling:

• IMessage: If you have an iPhone, iMessage is a great option for texting over WiFi. It's built right into your phone, and as long as you're connected to WiFi and the recipient also has an iPhone, your messages are completely free.
• WhatsApp: WhatsApp is a messaging app that allows you to send free messages anywhere in the world over a data connection. When you're abroad, simply connect to WiFi to use it without incurring charges. It's available for just about any smartphone for only $0.99.
• Facebook Messenger: Facebook Messenger is another free and simple solution. You'll already have access to all your Facebook friends as contacts, and it's different from sending a regular Facebook message. You can instantly reach your friends and let them reach you by activating push notifications.
• Google Talk/Hangouts: If you have a Gmail account, you can use Google Talk for free international texting and calling. To contact people abroad, add about $10 to your Google Talk account.
• Skype: Skype allows you to communicate through live video with anyone who has an account.

Remember, when using these messaging apps, always use WiFi when overseas to avoid data charges. If you need to text without WiFi, consider pre-purchasing an international data plan or a prepaid package from your mobile carrier before you leave the country.

Understanding the Visa Requirements for Traveling to China

If you're looking to avoid roaming charges while travelling abroad, one option is to use a prepaid travel phone with a set amount of data, calling, and texting. This can be a great way to control your costs and avoid unexpected charges. Here's how to make the most of this option:

Choose the Right Plan

Before you leave, research and compare different prepaid travel phone plans offered by various telecommunications service providers. Look for plans that include a bundle of minutes, texts, and/or data for a fixed price. This way, you know exactly how much you're spending and won't be caught off guard by hidden fees.

Ensure Device Compatibility

Make sure your device supports the frequencies used in your destination country. This is crucial to ensure your phone works optimally in the foreign network. You can usually find this information by checking your device settings or contacting your service provider.

Enable Airplane Mode

Even with a prepaid plan, it's a good idea to enable airplane mode when you're not using your device. This prevents any accidental data usage or roaming charges. You can still manually enable Wi-Fi to connect to wireless services offered at hotels or public places, and use Bluetooth and GPS services.

Use Wi-Fi and Chat Apps

Whenever possible, connect to Wi-Fi instead of using your data plan. This will help you save money and make the most of your prepaid data allocation. Additionally, use applications like WhatsApp, Skype, or Google Voice to text and make calls through the internet. These apps can help you communicate at a lower cost, especially if you're calling another person who uses the same app.

Monitor Your Usage

Keep an eye on your real-time usage to ensure you don't exceed your plan's limits. Most devices have built-in monitoring tools that allow you to track your data, voice, and text usage. This way, you can make informed decisions about your usage and avoid unexpected charges.

Consider Data Compression Apps

There are apps that compress data, allowing you to get more out of your prepaid data allocation. These apps provide a leaner version of the internet and can help reduce your roaming charges. They also give you a breakdown of your mobile data usage, so you can make better-informed choices about your data usage.

Use Mobile-Friendly Websites

Opt for mobile-friendly websites that are optimized for mobile devices and use fewer megabytes. These sites often have similar addresses to their desktop counterparts, but with "m" or "mobile" in the URL. For example, replace "www" with "m" or "mobile."

By following these steps, you can effectively use a prepaid travel phone with a fixed amount of data, calling, and texting while abroad, keeping your costs controlled and avoiding unexpected charges.

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To avoid using data while abroad, you can download offline maps and content. This can be done through Google Maps on both Android and iOS devices.

To download offline maps on an Android device, open the Google Maps app and ensure you are connected to the internet and signed in to Google Maps. Search for a place, such as a city, and tap on its name or address at the bottom of the screen. Then, tap "More" and "Download offline map". You can also save offline maps on an SD card.

For iOS devices, the process is similar. Open the Google Maps app, ensuring you are connected to the internet and not in Incognito mode. Search for a place, and then tap on its name or address at the bottom. Tap "More" and then "Download offline map".

You can also download offline maps for specific locations, such as a city or town. Simply search for your destination in Google Maps, tap the three dots in the top right corner of the information panel, and then tap "Download offline map".

It is important to note that offline maps may not be available for download in some countries or regions due to contractual limitations, language support, address formats, or other reasons. Additionally, transit, bicycling, or walking directions are not available offline, and you will not have access to real-time traffic data. However, offline maps can be extremely useful when travelling abroad or visiting remote areas with poor cell service.

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Frequently asked questions.

To disable TravelPass, you can remove your Verizon SIM card and use a local SIM card instead. Alternatively, you can keep your phone in airplane mode and use Wi-Fi when available.

To avoid being charged for TravelPass, make sure that your phone is in airplane mode and that you only use Wi-Fi when you need an internet connection. You can also contact Verizon customer support for assistance in disabling TravelPass or to cancel the service.

Some alternatives to TravelPass include purchasing a local SIM card or using a prepaid travel phone. You can also take advantage of Wi-Fi networks or switch to a different plan or provider that offers specialised international data plans.

• Paolo Barresi Author

• Viajera Compulsiva Author Editor Reviewer

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China Negotiating With Visa, Mastercard to Reduce Transaction Fees

China is reportedly negotiating with Visa , Mastercard and other global card issuers, seeking to reduce the fees they charge local merchants on foreign card transactions.

The Payment & Clearing Association of China has proposed that the card issuers reduce their fees from the current range of between 2% and 3% to 1.5%, Bloomberg reported Friday (June 21), citing unnamed sources.

Mastercard told Bloomberg that it has received such a proposal and that it is working with payment industry partners to lower costs, according to the report.

The association’s proposal is part of China’s efforts to encourage merchants to accept foreign cards, the report said. Currently, most merchants are reluctant to do so because of the processing fees.

Mastercard said in June 2023 that it teamed up with Alipay to offer a new payment option for international visitors to China, allowing them to go cashless while traveling around China’s mainland.

The Alipay-Mastercard partnership allows overseas card transactions completed on the Alipay digital wallet to be processed through Mastercard’s omnichannel payments platform. This means that small and medium-sized businesses (SMBs) can easily accept payments from anywhere in the world.

“The new service offered by Alipay and Mastercard will not only enable a better experience for international travelers when visiting China but will also unlock more business opportunities for merchants on the Alipay open platform as global travel is set for rapid growth,” Venetia Lee , general manager of Ant Group Greater China International Business, said in a press release announcing that partnership.

Also in June 2023, Tencent said that it would allow Visa credit cards to be linked to its WeChat app, enabling foreign tourists visiting China to pay with the WeChat app.

It was reported at the time that linking international credit cards to the WeChat app would solve the challenge foreign visitors have faced when trying to pay for goods and services in China.

Many shops and restaurants in the country accept only mobile payments, and only some businesses were allowed to process foreign-issued credit cards.

Prior to this agreement, foreign visitors who wanted to use Tencent’s mobile payments network had to set up a Chinese bank account.

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