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Account Pass

Two taps: what is your status → what do you need, and you get a document checklist. Tick items off, print it, or export it to take to the branch.

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What is your status?

Pick the closest one — no typing

A checklist covers what to bring — not what to say

What actually trips people up at the counter is usually two things: which branch to pick and what to do if refused. These "enhancements" are built from real samples we're still collecting — they may become a product only once the sample is solid, and the free tier stays free forever. Help us build the sample: report how it went, so the next person avoids a wrong turn.

Our promise (when we'd ever charge) → Report how it went for you
Also: how foreigners bind a card to Alipay / WeChat (expand)

1. Two modes, know the difference

Tourist mode (no Chinese bank card): Alipay / WeChat accept international cards (Visa / Mastercard). Works on arrival, but has limits and a fee — roughly 3% on payments above about ¥200, plus an annual cap. Fine for short trips and small amounts.

Local mode (needs a UnionPay debit card): open a mainland bank account first (passport + valid visa/residence permit + real-name Chinese phone number), then bind that card. Binding removes the tourist cap and the ~3% fee, and unlocks the full feature set.

2. Binding steps for local mode

  1. Get your mainland account and UnionPay debit card, plus a real-name Chinese phone number (set up when you open the account).
  2. Alipay / WeChat → Me → Bank Cards → Add a card.
  3. Enter the card number and complete SMS verification / face check (you must be present).
  4. Set it as the default payment method.
  5. Test with a ¥1 payment; if no "tourist mode" prompt appears, you're set.

3. Hong Kong / Singapore notes

Hong Kong: AlipayHK and WeChat Pay HK are separate wallets, usable by HK residents; for mainland spending you can use cross-border QR or bind a mainland account. Most HK banks open accounts for non-residents — see the guides.

Singapore: Alipay (SG), GrabPay, YouTrip and similar work; DBS / POSB / OCBC / UOB apps also let you add cards. A pure tourist visa usually cannot open a local bank account — you need a valid pass (EP / S Pass / Student Pass / LTVP).

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This page is information, not financial or legal advice, and we never promise an account will be opened. Rules follow the latest official bank / wallet terms; verify thresholds on the official site.