Money & Exchange

1. 附近有ATM机吗？

   Fùjìn yǒu ATM jī ma?

   Is there an ATM nearby?

   Usage

   Used to find a nearby ATM when you need cash

   Grammar Note

   WeChat Pay and Alipay dominate in China; cash is less common, but ATMs are often found near banks (银行, yínháng).

2. 在哪里可以换外币？

   Zài nǎlǐ kěyǐ huàn wàibì?

   Where can I exchange foreign currency?

   Usage

   Used at airports or banks to exchange foreign currency into Chinese yuan (RMB)

   Grammar Note

   Chinese currency is Renminbi (RMB). The unit is "元 (yuán)" or colloquially "块 (kuài)".

3. 可以用信用卡吗？

   Kěyǐ yòng xìnyòngkǎ ma?

   Can I pay by credit card?

   Usage

   Used to check whether a credit card is accepted for payment

   Grammar Note

   WeChat Pay and Alipay now support international cards for tourists. "支持外卡吗?" = do you support foreign cards?

4. 多少钱？

   Duōshǎo qián?

   How much does it cost?

   Usage

   A versatile phrase used to ask the price of anything

   Grammar Note

   "多少钱?" is one of the most essential travel phrases. Bargaining (讨价还价) is common in Chinese markets.

5. 可以便宜一点吗？

   Kěyǐ piányí yīdiǎn ma?

   Can you make it a little cheaper?

   Usage

   Used to negotiate prices at markets or souvenir shops

   Grammar Note

   Price bargaining is common at tourist markets (Yiwu, Panjiayuan, etc.) but not at malls or chain stores.

6. 请给我收据

   Qǐng gěi wǒ shōujù

   Please give me a receipt

   Usage

   Used to request a receipt for business expenses or tax refunds

   Grammar Note

   A formal tax receipt is "发票 (fāpiào)". "请开发票" = please issue an invoice/receipt, needed for business expenses.

7. 我要分开付账

   Wǒ yào fēnkāi fùzhàng

   I'd like to pay separately

   Usage

   Used to request separate bills when dining in a group

   Grammar Note

   "AA制 (AA zhì)" also means going Dutch. "我请客 (Wǒ qǐngkè)" = I'll treat you / it's on me.

8. 需要小费吗？

   Xūyào xiǎofèi ma?

   Is a tip necessary?

   Usage

   Used to ask about tipping culture in China

   Grammar Note

   Tipping is generally not customary in China. High-end hotels may accept tips, but it is not expected anywhere.

9. 我用微信支付

   Wǒ yòng Wēixìn zhīfù

   I'll pay with WeChat Pay

   Usage

   Used to pay using WeChat Pay, the most widely used mobile payment in China

   Grammar Note

   "支付宝 (Zhīfùbǎo)" (Alipay) works the same way. Both now support linking to international bank cards.

10. 这个价格含税吗？

    Zhège jiàgé hán shuì ma?

    Does this price include tax?

    Usage

    Used to check whether the displayed price includes tax

    Grammar Note

    China's VAT is 13%. Displayed prices usually include tax, but high-end hotels and luxury goods may vary.

11. 押金

    yājīn

    Deposit

    Usage

    A refundable deposit paid at check-in for hotels or rentals

12. 退款

    tuìkuǎn

    Refund

    Usage

    Used when asking for money to be returned

13. 保证金

    bǎozhèngjīn

    Security deposit

    Usage

    A more formal security deposit, used for rentals or leases

14. 预付款

    yùfùkuǎn

    Prepayment

    Usage

    Used to indicate money paid in advance, e.g. at booking

15. 额外费用

    éwài fèiyòng

    Extra charge

    Usage

    Used to indicate an additional charge added later

16. 手续费

    shǒuxùfèi

    Service fee

    Usage

    Used to indicate a fee charged for a service or procedure

17. 现金

    xiànjīn

    Cash

    Usage

    A single word to indicate you will pay in cash

18. 信用卡

    xìnyòngkǎ

    Credit card

    Usage

    A single word to indicate you will pay by card

19. AA制

    AA zhì

    Splitting the bill

    Usage

    The standard way to say "split it evenly" in China

20. 一起付

    yìqǐ fù

    Pay all together

    Usage

    Shown when one person pays for the whole table

21. 找零

    zhǎolíng

    Change

    Usage

    Used when receiving change or when it is short

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