Surviving in Cashless China 2025

Last year I wrote an article about the surprises of returning to mainland China after five years’ absence due to COVID and other circumstances. I’ve just come home from another trip in which I drew a lazy circle around south China’s “Great Bay Area”, up and around the Pearl River estuary. So this is your update about getting by as a visitor to a China that has tried to remove all cash from daily life: including ten apps that may make your life easier. I’ve also included a few details about the Special Administrative Regions of Hong Kong (which still takes cash and everyday credit and debit cards) and Macau (which is a law unto itself).

The official story is that services have to accept cash because not all old people have compatible phones. In reality, whereas you can usually pay in cash at a supermarket or train station information desk, you need to find a human who will take it from you, and they will need to find change. Meanwhile even buskers and beggars now have QR codes written on their buckets, and an irritating enshittification is underway in which some restaurants now want you to scan in a QR code and then do all your ordering and payment on their supposedly bespoke website. I was struggling to scroll down to the noodles in one cafe, when the old lady sitting next to me shouted: “I am not dogfarting around with this nonsense. Give me a paper menu.” They very swiftly provided her with one, so if you are old and angry, you can still get away with it.

On this most recent trip, I only used cash on three occasions — once when a pointlessly faffy restaurant website in Foshan wouldn’t load for long enough to let me pay for my noodles (I handed 51 kuai, the exact amount, to a waitress who may well have pocketed it); once to buy a mini Macanese flag at a souvenir shop in Macau; and once at the bizarrely old-school left luggage office at Hong Kong Airport Express station, which continues to insist on cash-only like it’s 1985.

ALIPAY. My default payment option in China, Alipay offers a visitors’ version that does not require a Chinese phone number. This only works in China, but as it requires a scan of your passport page and some warm-up box-ticking, it is best done before you arrive. Most shops and services take Alipay, and instead of the old “cash or card”, servers now normally say some variant of “Scan you or scan me?” referring to the barcode that activates the transfer. Alipay also has a Transport option that allows you to immediately join the local travel card network. So the moment I walked across the border in Shenzhen, I was able to create a Shenzhen Tong travel card on my Alipay, and use that instead of faffing around trying to find someone to sell me a real Shenzhen Tong card. As an additional bonus, fares are deducted from your standard Alipay account (which links to your credit or debit cards), so you don’t leave China with £20 unspent on a travel card you might not ever use again.

WEIXIN (WeChat). Most Chinese seem to prefer Weixin, which works just like Alipay and seems to have more supporters among some small shops and in certain areas of China. I found myself using it almost exclusively on my first trip to Guangzhou, where the locals seem to favour it. Weixin is fine for payments, and comes barnacled with a bunch of other things such as travel booking, which I don’t bother to use. It also has its own chat service, which often makes it the default app for taking down someone’s contact details. You can also see who else has WeChat near you, which inevitably means a bunch of hellos from under-dressed ladies each time I arrive in a new phone catchment area.

TRIP. For the last fifteen years, I have increasingly come to rely on Trip (formerly cTrip), a travel booking option that streamlines hotels, planes, and trains, as well as access to local attractions and experiences. I’ve used Trip to book me onto a bullet train at twenty minutes’ notice, and onto the Macau hydrofoil with no fuss. The app preloads travellers’ passport details, so your passport *is* your ticket on Chinese trains. To my great surprise, Trip also turned out to offer me better deals on hotels than a well-known chain’s own laughably titled “loyalty” scheme, of which I had been a member for many years. I love Trip so much that I even got it to book my hotels last time I was in London. Trip also has an unexpected bonus value in China, since it has a Map function that works behind the Great Firewall and not only shows you where you are, but items of interest nearby, which led me to several tourist sites on my most recent trip that I would not have otherwise known about.

OCTOPUS. The absolute joy of travelling in Hong Kong is the Octopus card. The version sold for tourists does not require a local phone number, and can be loaded onto your iPhone. Octopus is a reloadable travel card like London’s Oyster card, which works on trains, ferries, buses and the metro. It even works on the Peak funicular tram and the piddly little boat that putt-putts across Aberdeen harbour in three minutes. It can often also be used in place of other payments in 7-11s, restaurants and other shops. Nothing feels quite as welcoming as shambling off a plane at the airport and straight onto the express into Kowloon without a moment’s thought — the Octopus card makes a huge difference to Hong Kong’s ambience by making you feel like a local the moment you arrive.

ALOSIM. None of these digital apps work without an internet connection. You can pay for a travel connection from your usual service provider, but if you have an iPhone X or later you can load in an eSIM card that will handle all your data. I use aloSIM, which offers an Asia data package that works in 13 countries and regions, so there is no tech fiddling as I cross from Hong Kong to Shenzhen to Macau. I also use aloSIM everywhere else I travel, switching from their European, to American, to Asian data packages depending on where I am. It usually works out about half the price of getting the same service from my regular provider. If you use my customer code M74D4V9, both you and I will get a $3 discount.

EXPRESS VPN. If you use Gmail, or Facebook, or Google, you may find that these sites are blocked in China. To spare yourself the frustration of suddenly not being able to see your emails, Express VPN will create a tunnel made of Science, under the Great Firewall and onto a server in another country. If you want a free month on your first year’s subscription, you can use this link and I will get a free month, too.

METROMAN. For many years, I have had a growing number of Chinese metro maps proliferating on my phone. Now I just have Metroman, which corrals them all into one place, updates them when a new line suddenly appears, and allows you to plot likely routes before you head out for the day, instead of squinting at a map on a station concourse.

MOOVIT. I didn’t make huge use of Moovit on this recent trip, but on several occasions when I found myself in the middle of nowhere in a strange town, it was handy to be able to call up a free app that told where I could get to from the nearest bus stop.

PLECO. Not everybody reading this is going to be a Chinese speaker. But if you are, Pleco is an app that allows you to write unfamiliar words with your finger, and then look them up in a dictionary. It requires you to be able to work out the correct stroke order to enter your query, so it is not suitable for people who are new to the language.

MPAY. I would like to be able to sing the praises of MPay, a Macanese app that works in much the same way in Macau as Octopus works in Hong Kong. Except currently MPay requires you to have a Chinese, Macanese or Hong Kong phone number, so it was as much use to me as a dog filled with sand. I had no trouble using cash in Macau, but local cash machines only dish out money in large notes. Most places happily accept Hong Kong dollars as payment, but since Hong Kong dollars are worth 10% less than MOP$, everything comes attached to a “surprise” surcharge, like you are in America being having to come up with extra change for a sales tax. Of course, it’s not really a surprise — the Macanese are doing you a favour by taking foreign notes, but they could do everyone an even bigger favour by taking Octopus payments or just setting up an “MPay for Tourists” in the Octopus style. Hopefully there will be some good news about that next time.

Not all these apps will be ideal for everyone — not all of them were ideal for me! But as a Chinese speaker venturing into unfamiliar parts of the country, and trying to make the best of my time, many of them (except MPay) proved to be very useful indeed.

Jonathan Clements is the author of A Brief History of China.

8 thoughts on “Surviving in Cashless China 2025

  1. Worth noting, I belive Octopus for tourists only works on Iphone, Android near as I can tell only has the standard Octopus which requires an HK phone number.

    If your Chinese is weak, Alipay for visitors has a translation overlay that works really well even in the third party mini-apps that resturants etc. like to force you to use. I found WeChat a lot more onerous to navigate (at one point using another phone to use a translate app to navigate a WeChat based museum booking website). WeChat does seem to be the more popular of the two within China though. I found both payment systems to at times be extremely slow (possibly this relates to being linked to a western credit card? it must be faster for locals or I can’t imagine they’d have caught on as much as they are). That said a surprisingly large number of places (at least in tourist areas) will, sometimes begrudgingly, accept cash or western credit cards (which we tried to use for bigger transactions to avoid fees and the 15,000RMB limit which triggers some type of additional information verification in the apps).

    • Thank you for your comments, Tim. I’m afraid Androids are a foreign land to me so my comments remain Apple-specific as you observe.

      I found that Octopus could also be a little slow sometimes, just for those few seconds enough to build up a small queue behind me as I went through the gates on the metro. Possibly it was because something was being rerouted through a foreign phone number.

      It’s the “begrudgingly” that led me to start writing about this in the first place. I was petrified, in late 2023, that my ability to travel in China would be savagely curtailed if I was effectively unable to pay for anything. Much of this article reflects my relief that life goes on!

  2. Why would you question whether or not the cashier just pocketed the cash you paid in the restaurant? Was there any reason why you think she would steal money from her employer?

    • Yes, since you ask. The fact that she put the money straight into her pocket rather than into the cash register right in front of her.

  3. A few notes from the perspective of an overseas Chinese visiting for the first time after covid:

    • The preferred map app is probably 高德地图, which I believe is called Amap in English. It combines metro apps, yelp, and uber app into one
    • Instead of a VPN, just use roaming on a foreign sim (like HK)
    • I highly recommend getting a mainland sim too, many things need a +86 number and it makes weixin mini apps much more acceptable to use (due to latency compared to roaming sims)
    • The QR codes are scanned through weixin, which will then load a “mini-app” that’ll let you order. It often lets you do things like have multiple people scan and all add to the same “cart”, and integrates with payment. There is often no paper menu
    • There is a 3% fee for transactions of more than CNY 200, so vendors will often let you swipe 200 at a time
    • If you use credit cards (without alipay/weixin), beware of DCC
    • Very useful pointers, Curious Penguin, thank you. I will certainly give 高德地图 a go next time.

      There’s a definite difference between the ease of accessing digital applications from a HK or local number and being stuck with a foreign number. Octopus proves that it can be done, although bafflingly not with Android phones, as Tim observes up thread. Maybe I will try for a local number next time, but it’s precisely the sort of faff I have been trying to avoid for ten years.

  4. Pingback: China's Week, Jan 24, 2025 - Here Comes China!

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