ATM & Cash
How to withdraw cash in China with a foreign card: which ATMs accept Visa and Mastercard, fees, daily limits, and when cash still matters.
Last reviewed October 23, 2026 · policies change — confirm the official sources before travel
ATMs are widely available in China, but foreign visitors should understand fees, limits, and which ATMs to use. This guide helps you access cash safely and affordably.
Key points
What works in practice
Use ATMs attached to major banks for better service
Check your bank's international withdrawal fees beforehand
Withdraw larger amounts less frequently to minimize fees
Keep transaction receipts
Notify your bank of travel plans to avoid card blocks
Mistakes to avoid
Using random ATMs (may charge high fees)
Not checking withdrawal limits before travel
Ignoring exchange rates when withdrawing
Forgetting to inform bank about China travel
Frequently asked
What ATMs can I use in China?
ATMs from ICBC, Bank of China, China Construction Bank, and international ATMs (Citibank, HSBC) accept foreign cards.
What are the fees?
Typically 15-25 RMB per withdrawal plus your home bank's international fee. Check with your bank for specifics.
Questions about your trip?
If you want help with routes or want to ask me something directly, you can find me here.