If you hold a foreign bank card (debitcard) with the internationally accepted Visa or Mastercard mark, you can withdraw money from ATMs in China. However, please note that some cards come with a credit card account and are not suitable for cash withdrawals. You should choose a current account for operation. The currency of withdrawal will be RMB.

The existence of the "UnionPay" logo enables bank cards issued by various banks to be accepted at ATMs and POS machines with this logo, providing Chinese consumers with convenient financial services. In China, there are existing restrictions on overseas withdrawals of UnionPay RMB cards. Starting from January 1, 2016, the cumulative cash withdrawals per person per year shall not exceed the equivalent of 100,000 yuan. The previous annual limit was different. The specific daily cash withdrawal amount, single withdrawal limit and possible additional handling fees vary from country to country and region. It is recommended to consult the card-issuing bank or pay attention to local machine prompts before withdrawing money.

For example, ICBC and CCB UnionPay cards will charge a 1% handling fee for overseas cash withdrawals, with a minimum of 14 yuan and a maximum of 112 yuan. China Merchants Bank's handling fee is 0.5% of the amount of each transaction, with a minimum of 10 yuan. Cards from some banks, such as Ping An Bank and Hua Xia Bank, may enjoy free policies for overseas cash withdrawals. Generally speaking, the larger the cash withdrawal amount, the more handling fees you will save. Remember to compare the policies of different banks when withdrawing money abroad to get the best trading conditions.