What currency should I bring?
Answer: For foreign tourists come to china had better bring hard currencies, such as US dollar, Euro, Japanese Yuan, British Pound or others. Because these currencies could be easily exchanged into Chinese Yuan in almost every hotel and bank.
Simple knowledge concerning Chinese currency: The official currency in China is the Renminbi (RMB), or “people’s currency”. The basic unit is the Yuna (also known as “kuai”), which could also be divided into Jiao (or “mao”) and Fen. 1 Yuan equals to 10 Jiao, and 1 Jiao to 10 Fen. Paper currency comes in 1, 2, 5, 10, 20, 50 and 100 Yuan notes. Paper note of Jiao comes in denominations of 1, 2 and 5. There are also 1 and 2 fen notes. As for coins, there are 1 Yuan, and 5 Jiao, and 1, 2, and 5 Fens. While buy things from street venders, small notes are preferred to be against fake money as changes.
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Shall I bring cash, traveler's cheque or credit card?
Answer: Each of them is ok. But we recommend you to bring credit card and traveler's cheque since they are safer than cash. But a small amount of cash is also necessary.
Note: Some times traveler’s cheque is not widely accepted, some hotels and shopping centers prefer cash and credit card.
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Can credit card be used in China?
Answer: At present, the following credit cards are accepted in China: MasterCard, Federal Card, Visa, American Express, JCB and Diners Card.
However, these credit cards are only accepted at four and five star, occasionally three star hotels and large shopping centers where the Bank of China has branches.
Note: Loss of the credit card should be reported to one of the branches of the Bank of China ASAP.
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Where do I change money for RMB in China?
Answer: You can exchange your currency and cash traveler's cheque at banks and, hotels. The exchange rate is the same everywhere. But remember never exchange your money with strangers who may give you fake money.
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Are there ATM (automatic transaction machine) machines in the major banks? Can I withdraw money at any time from the machines or do I have to go through a clerk during business hours? If so, are banks open on Saturday?
Answer: Yes, the most banks of China have ATM machines and you can withdraw money (Chinese Yuan) from ATM machines of Bank of China at any time. And you can also make a transaction through the bank clerk, there would be no difference.
Their working hours of bank of china are 9: 00AM -17: 30PM from Monday to Friday. On Saturday and Sunday, the working hours normally are 9:00AM - 15:00PM, but it may vary with banks. So you are recommended to do it during the working hours. The ATM machine of Bank of China can accept most foreign credit cards, such as VISA, American Express, Master Card and etc.
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Can I use USD or RMB in Hong Kong?
Answer: USD & Chinese Yuan are not widely accepted in shops & restaurants, but some shops do. Even some of them do, but that their exchange rate will not be so favorable for you. So we suggest you to exchange your currency into HKD (Hong Kong dollars) from the banks or the money changers before shopping.