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As an international student you will likely want a Chinese bank account to receive money, pay large bills and link to payment apps.
Opening a bank account
You usually need:
- Passport and student visa/residence permit
- Student ID or a letter from the university
- A local phone number (for verification codes)
- Sometimes a minimum initial deposit
Go to a branch of a major bank (for example Bank of China, ICBC, China Construction Bank, Agricultural Bank of China). Staff may speak limited English — bring a Chinese-speaking friend or use a translation app.
How money moves
- Domestic: transfers between Chinese accounts are fast; payment apps handle daily spending.
- International: to receive money from home, family can send via a bank wire or an international transfer service.
- Currency: accounts hold yuan (CNY). Foreign currency can be exchanged at banks with ID.
Receiving money from abroad
Compare options before you choose, because fees and exchange rates vary a lot:
- Bank wire: straightforward but often slow and expensive.
- Online transfer services: frequently cheaper with a clearer exchange rate — check the current fees and rate, and that the service supports transfers to China.
VisChat may earn a commission from some links at no extra cost to you. Always compare and verify current fees and rates yourself.
Practical tips
- Keep your account active; understand any monthly fees.
- Link your account to Alipay/WeChat Pay for daily payments.
- Keep records for large transfers.
- Beware of informal “money changers” — use regulated channels.
Bank requirements vary by city and branch. Confirm what to bring before you go.