{"id":85096,"date":"2026-04-13T18:01:53","date_gmt":"2026-04-13T10:01:53","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=85096"},"modified":"2026-06-09T15:16:11","modified_gmt":"2026-06-09T07:16:11","slug":"china-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/","title":{"rendered":"China ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong>Heading to China? Here&#8217;s everything you need to know about withdrawing cash (and paying without cash) in China.<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Planning a trip to China in 2026? Unlike most destinations, cash is no longer king here \u2014 over 85% of urban transactions in China happen via mobile payments. But that doesn&#8217;t mean you can skip the cash prep entirely. This China ATM withdrawal guide covers ATM fees, the best banks for foreign cardholders, withdrawal limits, exchange rate tips, and \u2014 crucially \u2014 how to set up WeChat Pay and Alipay before you land.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-new-zealand\/\">Things To Do In New Zealand: The Ultimate Travel Guide (2026)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-da-nang\/\">13 Best Things To Do In Da Nang, Vietnam (2026 Guide)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-kyoto\/\">33 Things to Do in Kyoto, Japan: Top Attractions, Food &amp; Travel Tips<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Summary<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>China is highly cashless<\/strong> \u2014 set up WeChat Pay and Alipay with your foreign card before you land.<br><\/li>\n\n\n\n<li>Cash is still needed for rural areas, wet markets, street vendors, small taxis, and temples.<br><\/li>\n\n\n\n<li>Foreign Visa and Mastercard cards work at ATMs in major banks \u2014 Bank of China, ICBC, and China Construction Bank are the most reliable.<br><\/li>\n\n\n\n<li>Chinese bank ATMs typically charge 20\u201330 CNY (~S$3.73\u2013S$5.60) per foreign card withdrawal.<br><\/li>\n\n\n\n<li>Withdrawal limits typically range from 2,500\u20135,000 CNY (~S$466\u2013S$933) per transaction.<br><\/li>\n\n\n\n<li>YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>\ud83d\udcda Table of Contents<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#cash-in-china\"><strong>Do You Still Need Cash in China?<\/strong><\/a><\/li>\n\n\n\n<li id=\"wechat-alipay\"><a href=\"#wechat-alipay\"><strong>WeChat Pay &amp; Alipay for Foreign Visitors<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdraw-cny\"><strong>Can I Withdraw CNY Using My Debit\/Credit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#find-atms\"><strong>Where to Find ATMs in China<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#how-to-withdraw\"><strong>How to Withdraw CNY at China ATMs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#atm-fees\"><strong>China ATM Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#minimise-fees\"><strong>Tips to Minimise ATM Fees in China<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdrawal-limits\"><strong>China ATM Cash Withdrawal Limits<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#exchange-rates\"><strong>Exchange Rates &amp; Conversion Fees in China<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#multi-currency-card\"><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#safety-tips\"><strong>Safety Tips for Using ATMs in China<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"cash-in-china\" class=\"wp-block-heading\"><strong><strong><strong>Do You Still Need Cash in China?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Short answer: A little \u2014 but less than anywhere else in this guide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">China&#8217;s cities run almost entirely on mobile payments. In Beijing, Shanghai, Shenzhen, and most major urban centres, you can go days without touching cash. But there are still situations where cash matters:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wet markets and street food vendors<\/strong>&nbsp;\u2014 many still cash-only<\/li>\n\n\n\n<li><strong>Rural areas and smaller towns<\/strong>&nbsp;\u2014 mobile payments less universal<\/li>\n\n\n\n<li><strong>Some local taxis<\/strong>&nbsp;\u2014 especially older drivers or non-ride-hailing cabs<\/li>\n\n\n\n<li><strong>Temples and heritage sites<\/strong>&nbsp;\u2014 entrance fees sometimes cash-only<\/li>\n\n\n\n<li><strong>Small guesthouses<\/strong>&nbsp;\u2014 may not have card terminals<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tip:<\/strong> Carry 500\u20131,000 CNY (~S$93\u2013S$186) as a backup. Set up WeChat Pay or Alipay as your primary payment method \u2014 it&#8217;s how most locals (and increasingly, tourists) pay for everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/china-cherry-blossom\/\"><strong>China Cherry Blossom: Forecast, Best Spots, Festivals<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"withdraw-vnd\" class=\"wp-block-heading\"><strong><strong>WeChat Pay &amp; Alipay for Foreign Visitors<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-15.png\" alt=\"China ATM withdrawal YouTrip Alipay WeChat Pay\" class=\"wp-image-85112\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-15.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-15-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-15-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Since 2023, both WeChat Pay and Alipay allow foreign visitors to link international Visa and Mastercard cards directly \u2014 no Chinese bank account required. As of April 2026, this is widely adopted and works at most merchants across China.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How to set up:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Download WeChat or Alipay before you travel<\/li>\n\n\n\n<li>Complete real-name verification using your passport<\/li>\n\n\n\n<li>Link your Singapore Visa or Mastercard card<\/li>\n\n\n\n<li>You&#8217;re ready to pay by scanning QR codes \u2014 the same way locals do<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Limits to know (as of April 2026):<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>WeChat Pay<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Alipay<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Per transaction<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">6,000 CNY (~S$1,119)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Higher limits apply<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Monthly cap<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">50,000 CNY (~S$9,328)<\/td><td class=\"has-text-align-left\" data-align=\"left\">~50,000 USD equivalent annually<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>P2P transfers<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Not allowed for foreign cards<\/td><td class=\"has-text-align-left\" data-align=\"left\">Not allowed for foreign cards<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Verification needed<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Passport (real-name)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Passport (real-name)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> Transactions over 200 CNY (~S$37) may incur a ~3% fee on both platforms \u2014 factor this in for larger purchases. Set up <strong>both apps<\/strong> as backup, since some merchants only accept one or the other.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide:<\/em> Here&#8217;s everything you need to know about <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-use-wechat-pay-in-china\/\">WeChat Pay<\/a> <\/strong>and <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-use-alipay-in-china\/\">Alipay<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"withdraw-cny\" class=\"wp-block-heading\"><strong><strong>Can I Withdraw CNY Using My Debit\/Credit Card?<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2014 Visa and Mastercard work at ATMs across China, though not every machine accepts foreign cards. Always check for the card network logo on the ATM before inserting your card. UnionPay is the dominant domestic network; most foreign cards run on Visa\/Mastercard rails in China.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To locate the nearest ATM during your trip:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.visa.com\/atmlocator\" target=\"_blank\" rel=\"noreferrer noopener\">Visa ATM locator<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mastercard.com\/global\/en\/personal\/find-a-location.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mastercard ATM locator<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important:<\/strong> Notify your Singapore bank before travelling to China. Cross-border transactions from China can trigger fraud blocks that freeze your card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/china-power-plug\/\"><strong>China Power Plug &amp; Socket Guide: Types, Voltage, Adapters &amp; Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"find-atms\" class=\"wp-block-heading\"><strong><strong><strong>Where to Find ATMs in China<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">ATMs are widely available in cities. The most reliable spots for foreign cardholders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank branches<\/strong>&nbsp;\u2014 most secure and reliable<\/li>\n\n\n\n<li><strong>Hotel lobbies<\/strong>&nbsp;\u2014 convenient, usually accept foreign cards<\/li>\n\n\n\n<li><strong>Shopping malls and commercial centres<\/strong><\/li>\n\n\n\n<li><strong>Airports and train stations<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best banks for foreign card withdrawals:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Bank of China<\/strong> \u2014 <a href=\"https:\/\/www.boc.cn\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>The most consistently reliable bank for Visa and Mastercard. Widely available nationwide and at major tourist sites. Best first choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. ICBC (Industrial and Commercial Bank of China)<\/strong> \u2014 <a href=\"https:\/\/www.icbc.com.cn\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>China&#8217;s largest bank by assets. Good ATM coverage in cities and airports; reliably accepts foreign cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. China Construction Bank (CCB)<\/strong> \u2014 <a href=\"https:\/\/www.ccb.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>Widely available, good foreign card acceptance, especially in tier-1 cities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Pro Tip:<\/strong> Avoid ATMs from smaller regional banks \u2014 foreign card acceptance is inconsistent and fee information is harder to verify.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> Rural areas may have very few ATMs that accept foreign cards. Withdraw enough cash before leaving major cities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-use-didi-in-china\/\"><strong>How to Use DiDi in China: Full Guide for Foreigners<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"how-to-withdraw\" class=\"wp-block-heading\"><strong><strong>How to Withdraw CNY at China ATMs<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><strong>Here&#8217;s how to withdraw Chinese Yuan with YouTrip in 4 easy steps:<br><\/strong><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1775793913693\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying the Visa\/Mastercard logo and insert your YouTrip card<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793948675\"><strong class=\"schema-how-to-step-name\">Select \u2018Saving account\u2019<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793955775\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793961025\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in CNY<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793967359\"><strong class=\"schema-how-to-step-name\">Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out more about how to withdraw with YouTrip <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\" id=\"81580\"><strong>here<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>get your YouTrip card here!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"atm-fees\" class=\"wp-block-heading\"><strong><strong><strong><strong>China<\/strong><\/strong> <\/strong>ATM fees<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Local ATM fees:<\/strong> Chinese bank ATMs typically charge foreign cardholders 20\u201330 CNY (~S$3.73\u2013S$5.60) per transaction. This applies at most major banks \u2014 Bank of China, ICBC, and CCB included.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Your bank&#8217;s fees:<\/strong> Your Singapore bank will likely add its own charge on top \u2014 typically a flat fee of S$2\u20135 or a percentage of the withdrawal amount. Check before your trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Given the combined fees, withdrawing a single large amount is significantly cheaper than multiple small withdrawals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-chengdu\/\"><strong>20 Best Things To Do In Chengdu, China<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"minimise-fees\" class=\"wp-block-heading\"><strong><strong>Tips to Minimise ATM Fees in <strong>China<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Set up WeChat Pay and Alipay first<\/strong>&nbsp;\u2014 for most spending in cities, you may not need to use an ATM at all<\/li>\n\n\n\n<li>Withdraw larger amounts at once to reduce per-transaction fees<\/li>\n\n\n\n<li>Stick to Bank of China, ICBC, or CCB \u2014 most consistent fee structures for foreign cards<\/li>\n\n\n\n<li>Use a multi-currency card like YouTrip for better exchange rates and lower fees<\/li>\n\n\n\n<li>Always select CNY when prompted at the ATM \u2014 never SGD (see DCC below)<\/li>\n\n\n\n<li>Alert your Singapore bank before departure to prevent your card being blocked<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-shenzhen\/\"><strong>Ultimate Shenzhen Travel Guide: Things to Do, Itineraries &amp; Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"withdrawal-limits\" class=\"wp-block-heading\"><strong><strong>China<\/strong> ATM Cash Withdrawal Limits<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Bank<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Per-transaction limit<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Bank of China<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2,500\u20135,000 CNY (~S$466\u2013S$933)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ICBC<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2,500\u20135,000 CNY (~S$466\u2013S$933)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>China Construction Bank<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2,500\u20135,000 CNY (~S$466\u2013S$933)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Most banks (daily cap)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">10,000 CNY (~S$1,866)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your Singapore bank may also impose its own daily withdrawal limit \u2014 worth checking before travel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)<\/strong><\/a><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"exchange-rates\" class=\"wp-block-heading\"><strong><strong><strong>Exchange Rates &amp; Conversion Fees in China<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/13.png\" alt=\"China ATM withdrawal YouTrip\" class=\"wp-image-85109\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/13.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/13-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/13-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dynamic Currency Conversion (DCC):<\/strong> If an ATM offers to charge you in SGD instead of CNY \u2014 always choose CNY. Selecting SGD triggers DCC, which adds a 3\u20135% markup on top of your bank&#8217;s existing foreign transaction fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exchange rate markups:<\/strong> Without a multi-currency card, your bank typically marks up the SGD\/CNY rate by 1\u20134%. At current rates (1 SGD \u2248 5.36 CNY), that markup adds up quickly on larger withdrawals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-cny-rate\/\"><strong>SGD to CNY Exchange Rate Guide: Best Ways to Convert Singapore Dollar to Chinese Yuan<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"multi-currency-card\" class=\"wp-block-heading\"><strong><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A multi-currency card gives you the real exchange rate with no markup \u2014 particularly valuable in China, where the SGD\/CNY rate is tight, and markups eat into your spending money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cards like YouTrip, Wise, and Revolut are worth considering. They typically:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Give you real-time exchange rates<\/li>\n\n\n\n<li>Charge zero or lower foreign transaction fees vs traditional banks<\/li>\n\n\n\n<li>Offer free monthly ATM withdrawals and work at most ATMs in China<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>CNY Exchange Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 5.353 CNY<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 5.352 CNY<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 5.341 CNY<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 5.346<\/td><\/tr><tr><td><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:&nbsp;<\/strong>1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currency Conversion Fee:&nbsp;<\/strong>From 0.26%<br><br>*fee varies by currency<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees<\/td><\/tr><tr><td><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$400 free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$350 or 5 withdrawals free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>From 1 May 2026:<\/strong><br>Free up to S$100\/month; 1.75% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Rates taken as of 13 Apr 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out what are the <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\" id=\"50892\">Best Multi-Currency Cards In Singapore<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"safety-tips\" class=\"wp-block-heading\"><strong><strong><strong>Safety Tips for Using ATMs in China<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use ATMs inside bank branches, hotels, or major shopping centres only \u2014 avoid isolated street-side machines<\/li>\n\n\n\n<li>Check for skimming devices \u2014 look for loose card slots or unusual attachments on the machine<\/li>\n\n\n\n<li>Cover your PIN when entering it<\/li>\n\n\n\n<li>Be alert for counterfeit notes, particularly 100 CNY bills \u2014 check for security features if unsure<\/li>\n\n\n\n<li>Enable transaction alerts via your banking app<\/li>\n\n\n\n<li>If your card gets stuck or is lost, call your bank immediately<\/li>\n\n\n\n<li>Monitor your account closely after returning \u2014 unauthorised charges sometimes appear days later<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-chongqing\/\"><strong>15 Best Things to Do in Chongqing: Top Attractions, Night Views, Food &amp; Day Trips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\uddf2\ud83c\uddfe <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia <\/a><\/strong>| <strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan<\/a><\/strong> | \ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand<\/strong><\/a> | <strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea<\/a><\/strong> | <strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan<\/a><\/strong> | <strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong <\/a><\/strong>| <strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia<\/a><\/strong> | <strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam<\/a><\/strong> | \ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia<\/strong><\/a> | <strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau <\/a><\/strong>| \ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China <\/a><\/strong>| \ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US <\/a><\/strong>| \ud83c\uddff\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/south-africa-atm-withdrawal-guide\/\">South Africa <\/a><\/strong>| \ud83c\uddf5\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/philippines-atm-withdrawal-guide\/\">Philippines <\/a><\/strong>| \ud83c\uddeb\ud83c\uddf7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/france-atm-withdrawal-guide\/\">France<\/a><\/strong> | \ud83c\uddec\ud83c\udde7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/uk-atm-withdrawal-guide\/\">UK<\/a><\/strong> | \ud83c\uddf3\ud83c\uddff <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/new-zealand-atm-withdrawal-guide\/\">New Zealand <\/a><\/strong>| \ud83c\uddee\ud83c\uddf9 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/italy-atm-withdrawal-guide\/\">Italy <\/a><\/strong>| \ud83c\uddf0\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/cambodia-atm-withdrawal-guide\/\">Cambodia<\/a><\/strong> | \ud83c\udde8\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/canada-atm-withdrawal-guide\/\">Canada<\/a><\/strong> | \ud83c\udde8\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/switzerland-atm-withdrawal\/\">Switzerland<\/a> <\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get the Best CNY Rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/11.png\" alt=\"China ATM withdrawal YouTrip\" class=\"wp-image-85108\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/11.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/11-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/11-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best CNY rates \u2014 no fees, no hidden charges. You also get free monthly ATM withdrawals of up to S$400, with a 2% fee imposed thereafter. Perfect for hassle-free travel in China.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sign up for your complimentary YouTrip card today with <strong>&lt;YTBLOG5&gt;<\/strong> and get <strong>FREE S$5<\/strong> in your account!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then, head over to our <a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more great tips and articles like this, join our<a href=\"https:\/\/t.me\/youtripsquad\"> Telegram<\/a> (@YouTripSG) and subscribe to our<a href=\"https:\/\/go.you.co\/blog-newsletter\"> free weekly newsletter here<\/a> or down below.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For travel tips, event invites, and more, join our Community Telegram Group <a href=\"https:\/\/t.me\/youtripsquad\">@YouTripSquad<\/a>! \ud83d\udc9c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Happy travels! <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#712d82\"><a href=\"https:\/\/www.you.co\/sg\/blog\/guangzhou-travel-guide\/\"><strong>What To Do In Guangzhou: Ultimate Travel Guide<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/shanghai-disneyland-guide\/\"><strong>The Ultimate Shanghai Disneyland Guide<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-things-to-do-in-beijing\/\"><strong>10 Best Things To Do In Beijing<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*The information stated above is true as of 13 Apr 2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw CNY worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":85110,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[624],"tags":[40186,39582,40445],"class_list":["post-85096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel","tag-atm-withdrawal","tag-china","tag-china-atm-withdrawal"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=85096"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85096\/revisions"}],"predecessor-version":[{"id":88320,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85096\/revisions\/88320"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/85110"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=85096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=85096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=85096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}