境外人员来到浙江该怎么付款?如何体验境内便捷、高效的现代支付服务？别着急，小编这就告诉您！帮您从入境到离境的各个环节都支付畅通无阻。

您乘坐飞机抵达浙江后，可在国际机场的个人本外币兑换特许机构（“货币兑换”标识见下图）将外币现钞兑换成人民币现金。目前，杭州萧山国际机场和宁波栎社国际机场设有本外币兑换点。其中，杭州萧山国际机场设有两个本外币兑换点，分别位于T4航站楼出发层和到达层；宁波栎社国际机场设有两个本外币兑换点，分别位于T2航站楼出发层和到达层。每名境外人员当日的兑换上限为等值5000美元（含），可兑换的币种因兑换点不同而各异，杭州萧山国际机场的个人本外币兑换点可支持20余种外币的双向兑换。

您走出机场前往下一个目的地，可以选择地铁、出租车等公共交通工具，移动支付和人民币现金支付是境内交通出行领域常用的支付方式。特别是，为了方便境外人员感受移动支付带来的便捷体验，我们准备了多种移动支付解决方案，并支持绑定境外主流银行卡组织发行的银行卡。

下载支付宝，登录时选择国际版，操作步骤如下：

下载微信，登录时可选择英文等多种语言，操作步骤如下：

您在办理酒店入住时，可以选择最常用的现金支付和刷境外银行卡的方式进行结算，同时还可以在设有外币兑换服务的酒店办理本外币现金兑换业务。

目前，省内接待外宾的酒店已普遍能够受理境外银行卡，您可以通过询问酒店工作人员或参考酒店收银柜台张贴的受理标识，更方便地使用境外银行卡。同时，除酒店外，境外卡刷卡支付服务已覆盖全省5万余家商户。

省内320余家酒店设有外币代兑点，每日根据授权银行提供的人民币外汇牌价，在其营业场所公布兑换价格，不同代兑点支持兑换币种有所不同，一般支持5种以上外币兑换人民币，兑换的限额为每人每日累计不超过等值1万元人民币。如有需求，您可以询问设有外币代兑点的酒店的工作人员协助您办理相关业务。

在浙江，您可以探寻美丽的自然风光和深厚的历史文化，在旅游、购物和餐饮等场景消费时有多种支付方式可以选择。除了前文介绍的刷境外银行卡、移动支付外，您还可以使用人民币现金、数字人民币进行支付。

您不仅可以在前文提到的机场或酒店进行本外币现金兑换，还可以在全省5700余家银行网点办理外币兑换，在2万余台ATM机具上使用境外银行卡支取人民币现金。

1.在具备对私结售汇资格的银行网点（悬挂“货币兑换”标识），可以凭本人有效身份证件将外币现钞兑换成人民币现金。银行网点当日累计便利化兑换金额为等值一万美元（含）。每家银行机构网点支持外币兑换币种有所不同，如中国银行浙江省内网点最多可支持26种外币现钞兑换。

2.银行网点的ATM机具可以支持境外银行卡组织发行的银行卡支取人民币现金，如VISA、Mastercard，其他银行卡是否能使用请参见ATM机具张贴（或屏幕显示）的受理标识。ATM机具取现限额为当日上限等值2万元人民币（含）（同时受个人银行卡限额限制）。

下载“数字人民币（试点版）APP”，操作步骤如下：

您可在张贴有“数字人民币受理标识”（见下图）的场景使用数字人民币APP支付。

您在结束浙江之行准备离境返程时，如果有未用完的人民币现金怎么办呢？

未用完的人民币现金可以在银行网点及个人本外币兑换特许机构兑回外币现钞。境外人员可以凭本人有效身份证件和原兑换水单办理，原兑换水单的兑回有效期为自兑换日起24个月。其中，银行网点对于当日累计兑换不超过等值500美元（含）以及离境前在境内关外场所当日累计不超过等值1000美元（含）的兑换，可凭本人有效身份证件直接办理。个人本外币兑换特许机构对于当日累计不超过等值1000美元（含）的兑换，可凭本人有效身份证件直接办理。

备注：业务办理以实际情况为准。

A Guidance to Payments in Zhejiang Province

How can you make payments when visiting Zhejiang? How to access the convenient and efficient modern payment services within China? Take it easy, you’ll find out in no time! Smooth payments are ensured at every stage from entry to departure for your convenience.

After arriving in Zhejiang by plane, you can exchange foreign currency for RMB cash at the foreign exchange franchised institutions (indicated by the “EXCHANGE” sign)at the international airport. Currency exchange services are available at Hangzhou Xiaoshan International Airport and Ningbo Lishe International Airport. The daily exchange limit for each person is USD5,000 (inclusive). At Hangzhou Xiaoshan International Airport, the currency exchange service supports domestic and foreign exchange for over 20 foreign currencies.

As you exit the airport and head to your next destination, you can choose public transportation such as the metro or taxi. Mobile payment and RMB cash are commonly used for public transit and domestic travel. Especially, you may experience the convenience of mobile payments with various mobile payment solutions. We also support linked bank cards with logos of UnionPay, Visa, MatsterCard ,etc.

Download the Alipay App, and follow these steps:

Download the WeChat App, and follow these steps:

When checking in at the hotel, you can choose to use bank cards which is the most commonly used. Alternatively, you can also access currency exchange services using cash at hotels that provide such services.

At present, designated hotels in the province for foreign guests generally accept bank cards. You can inquire with hotel staff or refer to acceptance signs posted at hotel cashiers . In addition to hotels, bank cards are accepted by more than 50,000 merchants throughout the province.

More than 320 hotels have currency exchange institutions in the province. The supported exchange currencies may vary at different exchange institutions, typically allowing the exchange of five or more foreign currencies. The daily limit for exchange is RMB10,000 (inclusive). If needed, you can inquire with service staff at hotels equipped with currency exchange institutions for help.

In Zhejiang, you can explore beautiful natural landscapes and rich historical and cultural heritage. When spending in scenarios such as tourism, shopping, and catering, there are multiple payment methods available for your choice. In addition to the previously mentioned options of bank card payment and mobile payment, you can also make payments using RMB cash or e-CNY.

Cash exchange services in both foreign and local currencies are available not only at the previously mentioned airports and hotels, but also at over 5,700 bank outlets throughout the province. Additionally, you can withdraw RMB cash using bank cards at over 20,000 ATMs.

1. At banking outlets eligible for personal foreign exchange purchase and sale (indicated by the “EXCHANGE” sign), you can exchange foreign currency notes for RMB cash with your valid ID. The cumulative daily exchange limit at bank outlets shall not exceed USD10,000 (inclusive). 

2. ATMs at bank outlets support the withdrawal of RMB cash using bank cards such as VISA and Mastercard. For the acceptance of other bank cards, please refer to the acceptance signs posted (or displayed on the screen) on the ATM. The cash withdrawal limit at ATMs is RMB20,000 (inclusive) per day (subject to individual bank card limits).

Download the e-CNY app. Follow these steps:

You can use the e-CNY app for payments at scenes displaying the “e-CNY Acceptance Sign” ( the image below).

When you are preparing to conclude your journey and depart from Zhejiang, what should you do with any unused RMB cash?

Any unused RMB cash can be exchanged back into foreign currency notes at bank outlets and foreign exchange franchised institution. Such currency exchange can be handled by presenting your valid ID and the original exchange slip, which is valid for 24 months from the date of exchange. 

Note: Transactions will be handled based on actual circumstances.