How to Use Alipay in China Without a Chinese Bank Account (2025 Guide)

Introduction

Think you need a Chinese bank account to use Alipay in China? Think again. Thanks to recent updates, foreigners can now use Alipay with international credit cards—no local bank required. This guide walks you through exactly how to do it, so you can pay like a local without all the paperwork.

1. Can You Really Use Alipay Without a Chinese Bank Account?

Yes, and it’s a game-changer. Alipay now allows foreign visitors to link international credit and debit cards (Visa, Mastercard, etc.) directly in the app. No need to open a local bank account or get help from a Chinese friend anymore.

2. Step-by-Step: How to Set It Up

Step 1: Download the Alipay App

Go to the App Store or Google Play and download the Alipay app. Make sure you’re getting the version with English support.

Step 2: Register with Your Passport

Use your mobile number (it can be international) and select “foreign passport” when registering. The app will guide you through a quick ID verification process.

Step 3: Add Your International Bank Card

Under “Cards” or “Bank Cards” in the app, tap “Add Card” and input your Visa or Mastercard details. You may need to verify the card with a text message or a code.

3. Where Can You Use It?

Once your card is linked, you can use Alipay for:

• ✅ Restaurants and cafes
• ✅ Metro, buses, and taxis
• ✅ Convenience stores and supermarkets
• ✅ Tourist attractions and museums

4. Common Issues and Fixes

Issue: “Card not supported”
Fix: Try a different card, preferably one without strong geo-blocking (some U.S. cards are finicky).

Issue: “App language won’t switch”
Fix: Check app settings and switch to “International Version” if available.

Conclusion

Using Alipay without a Chinese bank account is no longer just a rumor—it’s reality. With just your passport and a Visa or Mastercard, you can pay with ease across China. This small setup can save you tons of time and awkward moments at the checkout counter. Now that’s handy.