Using Cash RMB in China: real experience from chats
Short answer
Russian-issued UnionPay cards frequently fail in China, working intermittently for ATM withdrawals and POS payments. Always carry cash, as it is legally required for face-to-face transactions and often necessary for small expenses where digital payments or cards are not accepted.
From real experience
Russian-issued UnionPay cards (like RSHB) have limited acceptance in China.
They generally do not work for direct Alipay/WeChat wallet top-ups. However, they can be used for: 1) Withdrawing cash at ATMs. 2) Direct payments via terminal (if the shop has an old-fashioned POS terminal). 3) Sometimes as a payment method inside the WeChat/Alipay apps for specific merchants. Direct QR-code payment via Russian card QR is generally not supported.
✓ 1 report from chats
UnionPay cards issued by Russian banks (like RSHB) may intermittently fail in China for both POS payments and ATM withdrawals.
It is recommended to carry cash (yuan) as a backup and maintain active Alipay/WeChat accounts. Do not trust direct-message 'helpers' as they are often scammers.
✓ 1 report from chats
As of February 1, 2026, the People's Bank of China strictly enforces cash acceptance for face-to-face transactions in retail, dining, and tourist facilities.
Businesses cannot refuse cash or use lack of change as a valid reason for refusal, except in designated automated self-service kiosks.
✓ 1 report from chats
When transiting through Shanghai, cash (RMB) is essential, as local businesses and transport often do not accept international credit cards and digital payment apps may not be set up.
Carry physical cash for small expenses like food and ferries.