Cards and cash卡和现金

Mainland China is a QR-code country. Still carry three tracks: a working mobile wallet, a physical Visa/Mastercard or UnionPay card, and some RMB cash.

内地是扫码国家。仍要带三条：能用的手机钱包、实体 Visa/Mastercard 或银联卡、以及一些人民币现金。

Must-accept list (PBOC + MCT + SAFE, 9 Apr 2024): 3-star+ tourist hotels, 4A/5A attractions, named tourist resorts and districts — plus cash windows.

必须受理名单（人民银行 + 文旅 + 外汇局，2024 年 4 月 9 日）：三星级及以上旅游饭店、4A/5A 景区、列名的度假区和街区，以及现金窗口。

UnionPay, including many overseas-issued 62- cards, is officially all mainland POS. Visa/Mastercard work where the logo shows, not at every small restaurant or taxi. Do not rely on Apple Pay or Google Pay. Official inbound guidance never lists them as primary.

银联（含不少境外发行的 62 卡）官方覆盖全部内地 POS。Visa/Mastercard 只在有标识的地方能用，不是每家小馆、每辆出租都行。不要指望 Apple Pay / Google Pay。官方入境指引从未把它们当主路径。

Cash is still official policy. Do not expect shops to refuse RMB cash. Carry small notes.

现金仍是官方政策。不要以为商店可以拒收人民币现金。带些小面额。

Bank of China ATMs (5 Jan 2026): UnionPay, Visa, Mastercard, JCB, Amex issued outside China. Single foreign-card withdrawal RMB 3,000. Fees are set by the issuing bank.

中国银行 ATM（2026 年 1 月 5 日）：境外发行的银联、Visa、Mastercard、JCB、运通。外卡单笔取现 3000 元。手续费由发卡行定。

UK FCDO (10 Aug 2026): outside big cities, cards and ATMs can be limited. Counterfeit 100-yuan notes are common, including from ATMs. Banks will not replace them.

英国 FCDO（2026 年 8 月 10 日）：大城市以外，卡和 ATM 可能很少。假 100 元常见，包括 ATM 出的。银行不补。