中国货币与支付指南 | China Currency and Payment Guide

人民币基础 / RMB Basics

人民币（CNY/RMB）是中国法定货币，符号¥。第五套人民币（2019版）纸币面额：100、50、20、10、5、1元；硬币：1元、5角、1角。1元=10角=100分。100元正面为毛泽东像，背面为人民大会堂，是最常用大额纸币。

The Renminbi (CNY/RMB) is China's legal currency, symbol ¥. The 5th series (2019 edition) banknotes: ¥100, 50, 20, 10, 5, 1; coins: ¥1, ¥0.5, ¥0.1. ¥1 = 10 jiao = 100 fen. The ¥100 note features Mao Zedong on the front and the Great Hall of the People on the back — the most commonly used large denomination.

移动支付 / Mobile Payment

支付宝和微信支付覆盖中国99%的消费场景。境外游客绑定Visa/Mastercard/JCB信用卡即可使用，无需中国银行账户。单笔限额约¥6,000，月累计约¥50,000。建议两个App都安装，部分商家只接受其中一种。

Alipay and WeChat Pay cover 99% of payment scenarios in China. Foreign visitors can link Visa/Mastercard/JCB credit cards without a Chinese bank account. Single transaction limit ~¥6,000, monthly cumulative ~¥50,000. Install both apps — some merchants only accept one.

现金与ATM / Cash & ATMs

备¥500–1,000现金应急，偏远景区和小摊可能不支持扫码。银联ATM全国通用，Visa/Mastercard ATM在大城市可取现，手续费¥20–30/次，单日限额¥2,500。机场银行柜台兑换汇率最优，酒店兑换差价最大。

延伸阅读 / Related Reads

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• 来华游客必备清单：证件/通讯/支付一站搞定 | Essential Checklist for Visitors to China
• 中国高铁乘车全攻略（境外游客版） | Complete HSR Guide for Foreign Tourists
• 中国景区门票预约与排队技巧 | Booking Tickets and Beating Queues at Chinese Attractions
• 华东五城10日经典环线 | 10-Day East China Five-City Loop