How cash transactions work

Video by Xu Shuntian

1. How can I withdraw renminbi cash with my bank card?

如何使用银行卡在中国大陆取现？

If you have a bank card with a UnionPay logo, issued either on the Chinese mainland or overseas, you can withdraw renminbi cash on all ATMs on the Chinese mainland. 

如果您的银行卡属于银联卡，您可以在中国大陆所有ATM机进行人民币取现。

If you have a bank card without a UnionPay logo, withdrawals can be made on ATMs with the logo of the clearing organization your bank card issuer belongs. 

如果您的银行卡不属于银联卡，您可以在有该卡发卡机构对应清算组织标识的ATM机进行人民币取现。

You may also visit a bank to withdraw renminbi cash with your bank card. 

您也可以选择前往银行网点使用银行卡进行取现。

2. How much service charge do I need to pay for withdrawing renminbi cash using a non-UnionPay bank card? 

使用非银联银行卡在中国大陆取现需要付多少手续费？

Different international clearing organizations have different charging standards. Please consult your bank issuer for detailed cash withdrawal service fee information. 

不同的国际卡组织有不同的清算标准，具体取现手续费收费标准请您向银行卡发卡行咨询。

3. How much renminbi cash can I withdraw a day on ATMs using a non-UnionPay bank card?

使用非银联银行卡每天可以从ATM机取现多少人民币？

The amount of renminbi cash you can withdraw a day on ATMs is jointly determined by stipulations of your card issuer and the bank you choose to withdraw cash from. For example, if the bank you choose to withdraw cash from has a daily withdrawal limit of 20,000 yuan and your card issuer has a daily withdrawal limit lower than that, then the amount of renminbi cash you can withdraw a day is the daily withdrawal limit stipulated by your card issuer. 

非银联银行卡ATM机单日取现金额取决于您的发卡行及取款行相关规定。例如，您的取款行单日取现限额人民币2万元，而您的发卡行单日取现限额低于该数字，则您单日可取现金额等于发卡行单日取现限额。 

4. I have brought with me some foreign currency notes. How can I exchange them into renminbi notes? 

如何将所携带的外币现金兑换为人民币现金？

To exchange your foreign currency cash into renminbi cash, you may visit a bank or a foreign currency exchange point. Franchised foreign currency exchange points can be found in locations such as airports, ports, and some business circles. 

您可前往银行或外币兑换点将外币现金兑换为人民币现金。外币兑换点可在机场、口岸及一些商圈找到。

You can find this logo at franchised foreign currency exchange points in Shenzhen. 

5. How can I change my large-denomination renminbi notes into smaller-denomination notes? 

如何将大面额人民币兑换为小面额人民币？

You may visit a bank to exchange your renminbi notes into smaller-denomination notes. A convenient option is "Change Purse (零钱包)," a service recently launched by major financial instituions in Shenzhen under the guidance of the People's Bank of China's Shenzhen branch. Each "Change Purse" contains renminbi coins and notes with denominations ranging from 1 yuan to 20 yuan, providing great convenience to people who prefer cash than other payment methods and newcomers without access to other payment options. 

您可前往银行将大面额人民币兑换为小面额人民币。为保障现金使用环境，深圳市各中资银行在中国人民银行深圳市分行指导下开展“零钱包”兑换服务，每个“零钱包”内包括1元硬币及面额不等的小额纸币，为习惯使用现金人群及不方便使用其他支付手段人群创造支付便利。