Mainland China travel money guide

Money at a glance

DestinationMainland China

CurrencyChinese yuan

Currency codeCNY

Payment styleMixed friendly

Indicative MELBFX rates

CNY rate history

See how the indicative MELBFX rate for Mainland China has moved, then obtain a current quote before ordering.

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Historical rates are indicative observations, not live quotes. Lock a current rate in the order calculator before purchasing.

Cash, cards and ATMs

Cards are common in cities and larger businesses, but cash is still useful for small purchases, markets, transport and regional travel. Combining cash and cards gives you the most flexibility.

Mobile payment is dominant in many cities, but visitors should keep cash as a reliable backup.

Tipping and everyday payments

Tipping is generally not traditional, though some guided tourism services may accept it.

When a card terminal offers to charge you in Australian dollars, compare the conversion carefully. Choosing the local currency usually lets your own card provider perform the conversion, but fees depend on your account.

Everyday spending

Typical Mainland China price guide

Coffee$4–$7 AUDApproximately 17.11–29.94 CNY locallyCafé coffee

Local beer$6–$12 AUDApproximately 26–51 CNY locallyTypical licensed café, bar or restaurant price.

Glass of wine$8–$18 AUDApproximately 34–77 CNY locallyTypical licensed café, bar or restaurant price.

Average mid-range holiday spend per person$160–$320 AUD per dayApproximately 684–1,368 CNY locallyAccommodation, meals, local transport and one paid activity.

TippingFollow local customTipping is generally not traditional, though some guided tourism services may accept it.

Indicative August 2026 planning ranges for one adult are shown in AUD, with an approximate CNY equivalent using the current displayed MELBFX rate. The daily range allows for mid-range accommodation, meals, local transport and one paid activity; it excludes international flights and shopping. City, resort, venue and seasonal prices vary.

Useful words

A small Mandarin Chinese language guide

HelloNǐ hǎo

Thank youXièxie

GoodbyeZàijiàn

PleaseQǐng

Spelling and local usage vary, but these polite basics are a helpful starting point.

How much cash should I take?

Start with your accommodation and major bookings, then estimate cash-only spending for food, transport, markets, tips and regional travel. Split your travel funds between local cash and at least one backup payment method. Avoid carrying the entire trip budget in one place.

Before you leave

Tell your bank where and when you are travelling.
Check international purchase and ATM fees on each card.
Carry cards from more than one payment network where possible.
Keep emergency funds separate from your day-to-day wallet.
Save your bank’s international contact number offline.
Check current government travel advice before departure.

Frequently asked questions

Should I take cash to Mainland China?

Cards are common in cities and larger businesses, but cash is still useful for small purchases, markets, transport and regional travel. Combining cash and cards gives you the most flexibility.

Can I order CNY before I travel?

Yes. Use the MELBFX calculator to select your foreign amount or AUD budget, lock the displayed retail rate and choose collection from Southland, Waverley Gardens or Mornington.

Which banknotes will I receive?

Choose Mix, Large or Small as your banknote preference on the review page. Preferences are subject to stock and note availability.

When should I order?

Allow enough time for payment to clear and for the selected store to prepare your order. You will receive a message when it is ready to collect.

This guide is general information, not financial advice. Payment acceptance, fees, currency controls and local customs can change. Confirm important details with official sources and visit Smartraveller for current travel advice.