Mobile payment is usually the most convenient option. RMB cash remains a valid backup, while direct acceptance of foreign cards depends on the merchant and displayed card network.
Use a three-layer payment plan
Prepare one verified mobile wallet, two physical cards from different networks and a modest amount of RMB. No single method is reliable in every small shop, ticket machine or online booking flow.
Where cards are more likely to work
Larger hotels, major attractions and international retailers are more likely to accept bank cards. Look for the network logo and ask before a service is delivered.
ATM and cash strategy
Use ATMs displaying your card network at established banks. Review issuer withdrawal and conversion fees, keep the receipt and avoid carrying more cash than you can secure.
If a merchant cannot make change
Use smaller RMB notes for taxis, markets and low-value purchases. Keep mobile payment available instead of expecting a small merchant to break a large note.
Official sources
Sources checked 13 August 2026. Reconfirm time-sensitive details before departure.
Frequently asked questions
Is cash accepted in China?
RMB cash remains an official payment method. Small merchants may have limited change, so carry useful denominations.
Can I rely only on Visa or Mastercard?
No. Direct foreign-card acceptance varies, especially at small businesses. Add a mobile wallet and cash backup.
Should I exchange money before arrival?
A small arrival reserve can help, while additional RMB may be obtained through authorized exchange services or compatible ATMs.