中国货币与支付 | Chinese Currency and Payment

人民币面额 / RMB Denominations

第五套人民币（2019版）：纸币100、50、20、10、5、1元，硬币1元、5角、1角。100元是最常用大额，20元较少见（部分自动售货机不接受）。收到100元时建议检查防伪：对光看水印、倾斜看变色油墨、触摸正面凹印纹路。

5th series RMB (2019 edition): bills ¥100, 50, 20, 10, 5, 1; coins ¥1, ¥0.5, ¥0.1. ¥100 is the most common large denomination; ¥20 is rare (some vending machines don't accept it). When receiving ¥100, check security features: hold to light for watermark, tilt for color-shifting ink, feel the raised intaglio print on the front.

移动支付实操 / Mobile Payment in Practice

支付宝国际版（Alipay+）和微信支付均支持境外Visa/Mastercard绑卡，无需中国银行账户。开通后扫商家二维码或出示付款码即可消费，覆盖超市、餐厅、出租车、景区、外卖等全场景。单笔限额约¥6,000。

Alipay+ (international) and WeChat Pay both support foreign Visa/Mastercard — no Chinese bank account needed. Once set up, scan merchant QR codes or show your payment code to pay at supermarkets, restaurants, taxis, attractions, food delivery, and more. Single transaction limit ~¥6,000.

现金备用建议 / Cash Backup Advice

备¥500–1,000现金应急：偏远景区、农村集市、小摊贩可能不支持扫码。ATM取现：银联全国通用，Visa/Mastercard在大城市可用，手续费¥20–30/次，日限额¥2,500。最优兑换渠道是银行柜台（需护照），机场次之，酒店最差。