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Money rules for Aussie travellers visiting China together

Traveling to China as a couple or family? Learn cash rules, currency limits and budgeting.

Table of contents:

Understanding China’s money landscape
Cash and currency rules for Australians travelling to China
Smart ways to manage travel money as a couple or family
Where to exchange chinese yuan before you travel
Plan smart, travel smooth to China

Travelling to China as a couple or family? Before diving into the cultural wonders and culinary adventures, it’s essential to understand the money rules that could affect your trip — from currency limits to payment options.

China is a captivating destination for Australian couples and families — offering everything from ancient history and buzzing metropolises to breathtaking landscapes and bucket-list experiences. But navigating your finances in a country with a unique blend of tradition and cutting-edge tech requires some preparation.

From currency restrictions to payment norms, understanding China’s money landscape helps ensure your trip runs smoothly. Let’s break down what you need to know before packing your bags.

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Understanding China’s money landscape

While digital payments like WeChat Pay and Alipay dominate daily transactions in China, many international visitors still rely on cash — especially in traditional markets, taxis, small restaurants, and rural areas where foreign cards may not be accepted.

It’s common to see locals using QR codes for everything, but unless you have a Chinese bank account or set up foreign card-linked wallets in advance, having Chinese yuan (CNY) on hand remains crucial.

Cash and currency rules for Australians travelling to China

Before travelling to China, it's important to know how much cash you're legally allowed to carry.

You can bring in up to CNY ¥20,000 or the equivalent in foreign currency (around USD $5,000) without declaration.
If you’re travelling as a couple or family, this limit applies per person, but exceeding it requires a customs declaration.
On departure, the same limit applies — carrying more than this without prior approval can result in confiscation or fines.

Pro tip: Always carry receipts or documentation when exchanging large amounts of currency in Australia, especially if you plan to travel with more than AUD $10,000.

Smart ways to manage travel money as a couple or family

Managing money as a group isn’t just about splitting costs — it’s about protecting your budget and reducing risks.

Split your cash: avoid carrying all your money in one place. Couples should divide their cash between bags or wallets in case of loss or theft.
Mix payment methods: carry cash for daily use, and cards for larger expenses or emergencies.
Set a joint budget before departure to keep track of meals, activities, and souvenirs — and avoid overspending in the excitement of the moment.

Apps like Splitwise or mobile banking tools can make group spending easier to monitor and settle.

When planning a romantic trip abroad, it’s essential to think ahead about how to manage your travel money safely. For couples visiting China, understanding local payment habits and preparing for cash-related situations can make the journey smoother.

If you want to be better prepared, check out these ways to carry and use cash as a couple in China to stay secure and enjoy peace of mind during your travels.

Where to exchange chinese yuan before you travel

It’s highly recommended that you exchange your yuan (CNY) in Australia before flying out. Here's why:

Better rates: airport kiosks and foreign exchange booths in China may charge more or apply less favourable rates.
Convenience: avoid scrambling to find a reputable exchange point when you land.
Security: you can book your CNY online and pick it up securely at the airport with Prosegur Change — with 0% commission and no hidden fees.

Trusted by Prosegur with 30+ years of experience, our service ensures your travel money is ready when you are.

Still unsure how to prepare your money for China? These frequently asked questions may help:

FAQs for Aussies travelling to China

How much cash can you take to China from Australia?

You can carry up to ¥20,000 CNY or the equivalent of USD $5,000. Over this amount, you must declare it at Chinese customs.

How much can a family carry in total?

The limit applies per person, so families can carry more in total if the amount is divided among travellers — just ensure each person carries their own share.

Can Australians visit China visa free?

Not currently. Most Australians require a visa to enter China — be sure to check the latest requirements before you travel.

Do I need cash when visiting China?

Yes — while many locals use mobile payments, foreigners may struggle to access these systems, especially without Chinese bank accounts. Cash is still essential, especially in smaller towns.

Plan smart, travel smooth to China

When travelling to China as a couple or family, knowing the money rules is just as important as planning your itinerary. From managing exchange limits to balancing your budget and choosing how to pay, a little preparation goes a long way.

Reserve your Chinese yuan online with Prosegur Change and pick it up at the airport. Enjoy competitive rates, 0% commission and peace of mind before takeoff.

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