How to Withdraw Cash from ATMs in China

Withdrawing cash from ATMs in China is a straightforward process, but there are a few things to keep in mind to ensure a smooth transaction. Here’s a step-by-step guide to help you navigate the process.

1. Locate an ATM

ATMs are widely available in China, especially in urban areas. Look for machines operated by major banks such as ICBC (Industrial and Commercial Bank of China), Bank of China, or China Construction Bank. These ATMs usually support international cards like Visa, MasterCard, and UnionPay.

2. Check for International Card Support

Before inserting your card, check the ATM for logos of your card network (e.g., Visa, MasterCard). Not all ATMs in China accept foreign cards, so it’s best to use machines at major banks or international airports.

3. Insert Your Card

Insert your card into the ATM. Some machines may require you to leave the card inside during the transaction, while others may return it immediately. Follow the on-screen instructions.

4. Select Language

Most ATMs in China offer an English language option. Look for a button or on-screen option to switch languages if the default is Chinese.

5. Enter Your PIN

Enter your Personal Identification Number (PIN) using the keypad. Be cautious of your surroundings to ensure no one is watching you enter your PIN.

6. Choose Withdrawal Amount

Select the amount you wish to withdraw. Note that some ATMs may have withdrawal limits per transaction (e.g., 2,000–3,000 RMB). If you need more, you may need to perform multiple transactions.

7. Confirm and Collect Cash

Review the transaction details and confirm the withdrawal. The ATM will dispense the cash. Take the money and any receipt provided.

8. Retrieve Your Card

Don’t forget to take your card before leaving. Some ATMs may return it automatically, while others require you to remove it manually.

Tips for a Smooth Experience

• Notify your bank before traveling to avoid card blocks due to foreign transactions.
• Carry some cash for emergencies, as not all places accept cards.
• Avoid using ATMs in secluded areas for security reasons.