Banking & Remittance in China: Open an Account, Pay with Your Phone, Send Money Home

Open a Chinese bank account, pay with your phone, and send money home — without the guesswork.

This plain-English 2026 guide answers the three money questions every foreigner in China asks:

- Can I open a bank account? Yes — and it's easier than you think. Documents, the step-by-step process, fees, and which banks welcome foreigners.

- How do I pay for anything? Alipay and WeChat Pay, linked to international cards, plus Yu'ebao and Lingqiantong for idle cash.

- How do I send money home? SWIFT, the Wise boundary in mainland China, and Payment Connect — with the real costs and limits.

What's inside (6 chapters):

1. Opening an account — documents, the visit, fees, and activation.

2. Mobile payment — Alipay & WeChat Pay, Yu'ebao, Lingqiantong, and everyday QR life.

3. Cross-border remittance — SWIFT, the Wise compliance line, and Payment Connect.

4. Sending your salary home — the three-document set, the process, and the limits.

5. Mainland–Hong Kong connectivity — the northbound and southbound rails.

6. Tax basics — the 183-day rule, the 6-year rule, and the Individual Income Tax app.

Written for foreigners, in plain English, with the 2026 numbers. Instant PDF download. $7.99.