Can foreigners use Alipay without a Chinese bank card? (2026 Guide)
Who This Is For
This guide is for foreigners visiting or living in China who want to use Alipay for payments but don't have a Chinese bank account.
Quick Answer
Yes, foreigners can use Alipay without a Chinese bank card by linking an international credit or debit card through the Alipay app.
What Works
- Linking Visa, Mastercard, or other international cards directly in the Alipay app
- Using the "Tour Pass" feature for temporary visitors
- Top-up options using international payment methods
- QR code payments at most merchants
What Does Not Work
- Some features require Chinese bank verification
- Certain merchants may not accept international cards
- Transfer limits apply to non-verified accounts
Step-by-Step
- Download the Alipay app from your app store
- Register with your phone number and email
- Go to "Me" > "Bank Cards" > "Add Card"
- Select "International Card" and enter your card details
- Complete verification (may require passport photo)
- Start making payments by scanning QR codes
Alternatives
- Use WeChat Pay with international card
- Carry cash for small vendors
- Use hotel concierge services for bookings
FAQ
Q: Is there a fee for using international cards? A: Yes, typically 3-5% transaction fee applies.
Q: What if my card is declined? A: Contact your bank to enable international transactions and try again.
Q: Can I transfer money to Chinese friends? A: Limited transfers are possible, but full features require Chinese bank account.