人民币使用常识：面额、兑换与防伪 | RMB Basics: Denominations, Exchange & Counterfeit Tips

面额识别 / Denominations

第五套人民币（2019年版）：纸币100、50、20、10、5、1元；硬币1元、5角、1角。100元正面为毛泽东像，背面为人民大会堂。20元面值较少见，部分自动售货机不接受。

The 5th series RMB (2019 edition): bills in ¥100, 50, 20, 10, 5, 1; coins in ¥1, ¥0.5, ¥0.1. The ¥100 note features Mao Zedong on the front and the Great Hall of the People on the back. ¥20 bills are less common; some vending machines don't accept them.

兑换建议 / Exchange Tips

最优渠道：中国银行、工商银行柜台，需护照。机场汇率比银行差约1–2%，但24小时可用。酒店兑换差价最大，仅限应急。境外ATM取现汇率接近银行，手续费¥20–30/次，单日限额¥2500。

Best rates: Bank of China or ICBC counters — passport required. Airport rates are 1–2% worse than banks but available 24/7. Hotel exchange has the worst rates — emergency only. ATM withdrawals offer near-bank rates; fees ¥20–30/transaction, daily limit ¥2,500.

防伪识别 / Spotting Counterfeits

100元防伪特征：对光可见水印人像和"100"字样；倾斜钞票可见光变油墨数字颜色变化（金→绿）；正面左侧有凹印触感。收到100元时快速检查这三点，假币主要流通于夜市和小摊。

¥100 security features: hold to light to see watermark portrait and "100"; tilt the note to see the color-shifting ink numeral change (gold → green); feel the raised intaglio print on the left side of the front. Check these three points when receiving ¥100 bills — counterfeits mainly circulate at night markets and small stalls.