China has leapfrogged the West in digital payments — most transactions happen via QR code, and physical cash is becoming rare. Here's your guide to handling money in China.
Digital Payments: Alipay & WeChat Pay
Alipay (支付宝): The most widely accepted payment method. Set up before your trip: download the app, link your international credit card (Visa, Mastercard, Amex). Works at most hotels, restaurants, and shops in cities. WeChat Pay: Similar to Alipay, integrated into WeChat. Also accepts international cards. Pro tip: Set up both — some merchants only accept one. Our guides help with setup on arrival.
Credit Cards & Cash
Credit cards: Accepted at international hotels, luxury restaurants, and larger stores. Visa and Mastercard are most widely accepted. Cash (RMB/CNY): Still useful for small purchases, street food, taxis, and markets. Exchange at banks, airports, or ATMs. ATMs: Widely available in cities. Most accept international cards. Withdrawal limit: typically ¥2,500-5,000 per transaction. Exchange rate: ~7.2 RMB to 1 USD (2026 rate).
Tipping in China
No tipping culture! Unlike Western countries, tipping is not expected in China. In fact, it can be awkward. Exceptions: Tour guides and drivers (our guests often tip $5-10/day for excellent service, but it's optional). Hotels and restaurants: service charges are included — no additional tip needed. Our tours: All services are included — no tipping required.
