Payment · common
2026年の中国では現金で支払えますか？
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⚠️ SYMPTOM
RMB現金を持ち歩く必要があるのか、それともAlipay・WeChat Payだけで旅行全体に対応できるのか知りたい。
🔍 MOST LIKELY CAUSE
主要都市は90%以上がキャッシュレスですが、地方、タクシー、屋台、一部の美術館では依然としてRMB現金が必要です。
✓ HOW TO FIX
バックアップ用に¥500〜¥1,000の現金を携行してください。Bank of China、ICBC、China Construction BankのATMで海外のVisa/Mastercardを使って引き出せます（1回あたり¥2,500まで、手数料1〜3%）。
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Cash & RMB
Carry ¥500–1,000 in cash for rural areas, taxis, and small vendors; major cities are 90%+ cashless via mobile payment.
ATM Cash Withdrawal
Bank of China, ICBC, and China Construction Bank ATMs accept foreign Visa/Mastercard with a ¥2,500 per-transaction limit and 1–3% fee.
Alipay for Foreigners
Download Alipay, link a foreign Visa or Mastercard via the Tour Pass, and complete a $150 minimum top-up to pay at 90%+ of Chinese merchants.
Other Payment problems
Why is my Alipay not working?
You linked a foreign Visa or Mastercard to Alipay but every transaction is rejected at the merchant.
Why can't I verify my passport on Alipay?
Alipay's identity verification step fails — passport photo upload rejected or OCR misread.
Can foreigners receive money on Alipay?
You want to receive a WeChat or bank transfer to your Alipay wallet but the app shows no Receive option.
Why does WeChat Pay keep declining my foreign card?
You linked a Visa or Mastercard in WeChat Pay but transactions show "card not supported" at checkout.
How much does ATM withdrawal cost in China?
You withdrew RMB from a Chinese ATM and your home bank charged an unexpected foreign-transaction or ATM fee.