How to Link Your Bank Card to WeChat Pay as a Foreigner
Your Complete 2025 Guide to Cashless Payments in China
Can Foreigners Use WeChat Pay in China?
Yes! As of 2023, WeChat Pay now supports foreign bank cards, including Visa, Mastercard, JCB, and Discover. This means you don't need a Chinese bank account to pay like a local — you can simply link your international card and use QR codes to pay at restaurants, shops, metro stations, and more.
✅ Pro Tip: WeChat Pay works at over 80 million merchants across China, from luxury stores to street vendors.
What You Need Before Linking a Card
Before you begin, make sure you have the following ready:
- A valid passport
- A foreign Visa, Mastercard, JCB, or Discover card
- A Chinese SIM card or a number that can receive SMS codes (some cards require this for verification)
- The latest version of WeChat installed (available in the App Store / Google Play)
⚠️ Note: Prepaid or virtual cards are not always accepted. Use a physical bank-issued card for best results.
Step-by-Step: How to Link a Bank Card to WeChat Pay
Open WeChat and Go to "Me"
Tap the bottom-right icon labeled "Me" in your WeChat app.
"Me" tab in WeChat
Tap "Services" → "Wallet"
If you're using WeChat in English, you may see "Wallet" or just "WeChat Pay" under Services.
Wallet/Services section
Select "Cards" or "Add Bank Card"
Tap "Cards" → Then tap "Add a Card" or the "+" icon.
Card addition screen
Enter Your Card Details
Type in your card number. Follow the prompts to enter your name (as on card), passport number, email, and sometimes billing address.
Card information form
Complete the Verification
A verification code will be sent to your email or phone (depending on your card issuer). Enter the code to confirm.
Verification process
Set a 6-Digit Payment Password
Choose a secure 6-digit code. This will be required every time you pay.
✅ Once linked, your foreign card will be charged in its original currency, and WeChat will display the payment in RMB (Chinese yuan).
Where Can You Use WeChat Pay?
Once your card is linked, you can use WeChat Pay to:
Restaurants & Cafés
From street food to fine dining
Convenience Stores
7-Eleven, FamilyMart, Lawson, etc.
Public Transport
Metro, buses, and some taxis
Hotels & Bookings
Through WeChat mini-programs
Shopping Malls
Department stores and boutiques
Mobile Top-ups
Prepaid SIM card recharges
It works almost everywhere in China where mobile payments are accepted — which is just about everywhere.
Tips for a Smooth Experience
Stick to one card
Using multiple cards might cause confusion with currency conversions and transaction fees.
Check verification channels
Some banks send verification codes via email while others use SMS. Check both if you're not receiving them.
VPN considerations
Keep your VPN off when using payment functions to avoid connectivity issues with WeChat's servers.
Bank selection
If linking fails, try using a card from a major international bank (HSBC, Citi, Revolut, etc.) which are more likely to work.
What If WeChat Doesn't Accept Your Card?
If your foreign card isn't accepted, try these workarounds:
Apply for a Chinese bank account
Some cities now allow foreigners to open accounts with just a passport.
Use Alipay with TourPass
An alternative platform that accepts foreign cards via a 90-day tourist wallet.
Get a UnionPay Travel Card
Prepaid debit card for foreigners available in some Chinese banks.
Is It Safe to Use WeChat Pay as a Foreigner?
Yes. WeChat Pay uses secure encryption, multi-factor authentication, and real-time monitoring to protect your transactions. Just be sure to:
Never share passwords
Keep your payment password private
Use device security
Enable lock screen on your phone
Avoid public Wi-Fi
For sensitive transactions
Security Features
- End-to-end encryption for all transactions
- 6-digit payment password required for every transaction
- Real-time transaction notifications
- Ability to freeze your account remotely if phone is lost
Frequently Asked Questions
Does WeChat charge foreign transaction fees?
WeChat itself doesn't charge a fee, but your bank may apply a foreign transaction fee or unfavorable exchange rates. Check with your card issuer.
Can I withdraw money from WeChat Pay?
You can't withdraw funds to a foreign card. WeChat Pay via international cards is for spending only, not receiving or cashing out.
What if I lose my phone?
Immediately log into WeChat on another device or use WeChat's account recovery to lock your account. Your payments are protected by your password.
Can I use WeChat Pay outside of China?
Yes, but with limitations. Some merchants in other countries accept WeChat Pay, but the service is primarily designed for use within China.
How do I change my payment password?
Go to Me → Services → Wallet → Payment Settings → Payment Password → Change Payment Password. You'll need to verify your identity.
What's the maximum transaction amount?
For foreign cards, the single transaction limit is typically ¥5,000 RMB (~$700 USD) and the monthly limit is ¥50,000 RMB (~$7,000 USD). These limits may vary by bank.
Ready to Go Cashless in China
With just your passport and a valid international credit card, you can now pay seamlessly in China using WeChat Pay. Whether you're visiting for business, travel, or the Canton Fair, linking your card to WeChat is the fastest way to shop, eat, and move around like a local.
