Withdraw cash in China without ATM fees
Preview Only Bank of China is rated so far (officially no own fee). The other banks are marked “?”.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank of ChinaOfficial: only your card issuer sets fees. Limit CNY 3,000. | free | 241 | medium |
| Bank ATMs (default) | unclear | 4,796 | – |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 419 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in China?
It depends on the bank. In China, some bank ATMs are free and others charge a fee. Mixed: some CNY 20–30, some no surcharge.
Which ATMs are free in China?
According to our sources, no operator fee at: Bank of China. The map marks 241 ATMs with no known fee.
Should I pay in CNY or in my home currency?
If the ATM offers to charge you in your home currency, always choose CNY (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How do I avoid ATM fees in China?
Independent operators such as Euronet usually charge fees. The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Independent operators such as Euronet charge fees almost everywhere. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
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