How to bind overseas bank cards with WeChat Pay and use RMB?Detailed tutorial

WeChat paymentTutorial on binding overseas cards, a must-have for traveling abroad!

In just a few steps, you can easily bind an overseas bank card and pay in RMB.The tutorial is detailed and easy to understand.

In order to solve the dilemma of overseas users making mobile payments in China, Tencent announced at noon on July 2023, 7 that it would deepen cooperation with multiple international card organizations and fully and orderly open the WeChat payment merchant network in various domestic cities in the near future.

WeChat Pay's merchant network covers various fields, such as catering, transportation, supermarkets, wine and travel, etc., and supports multiple payment methods such as code scanning, scanned, WeChat applet and In-APP.International card organizations that cooperate with Tencent include Visa, Discover Global Network (including Diners Club), JCB and Mastercard, etc.

WeChat Pay is fully open to binding overseas cards, and a 200% handling fee is waived for a single transaction of less than 3 yuan.According to official news from WeChat Pay, overseas users can now bind international bank cards and use WeChat Pay to make mobile payments at most domestic merchants in the fields of catering, transportation, wine and travel, and supermarkets.

At the same time, foreign card users can also use various payment methods such as scanning and being scanned, mini program payment, password-free deduction and in-app payment.

The overseas card binding and usage guide released by WeChat Pay shows that overseas people only need 3 steps to bind foreign cards through WeChat Pay:

1. Download or update the WeChat/WeChat app
2. Find the WeChat payment entrance
3. Fill in the identity information and bind the card.

• Supported wild card types include VISA, DinersClub, Discover, JCB and Master.

Currently, six types of documents can be opened on WeChat Pay including passport, Mainland Travel Permit for Hong Kong and Macao Residents, Mainland Travel Permit for Taiwan Residents, Residence Permit for Hong Kong and Macao Residents, Residence Permit for Taiwan Residents and Permanent Residence Permit for Foreigners.During the card binding process, the mobile phone number required for verification only needs to be able to accept text messages.Verification codeThat’s fine, it doesn’t have to beChinaMainland China mobile phone number.

What is the WeChat payment limit?

• There are certain limits for the use of foreign cards in WeChat payment, including a single transaction of 6 yuan, a monthly accumulation of 5 yuan, and an annual accumulation of 6 yuan.
• The payment exchange rate is calculated based on the exchange rate of the card organization to which the foreign card belongs and the card issuing bank.

What is the handling fee for WeChat Pay RMB wallet?

• In order to support the small-amount and high-frequency consumption needs of foreign card users, WeChat Pay will bear the foreign card transaction fee for a single transaction amount of RMB 200 and below.
• Users with a single transaction amount less than or equal to 200 yuan are exempt from handling fees;
• When the single transaction amount is greater than 200 yuan, a handling fee of 3% will be charged.If the user initiates a refund, the handling fee will be refunded in proportion.

It is worth mentioning that in May 2023,Alipay released “One picture to understand Alipay’s binding of wild cards”, its foreign card service is basically consistent with WeChat Pay in terms of recommended usage scenarios, fee collection, exchange rate calculation, etc.However, WeChat payment is moreAlipayJCB card has been added. In terms of transaction limit, Alipay's single transaction is 3000 yuan and WeChat payment is 6000 yuan.

How to use real-name authentication for WeChat payment?

First of all, if you want to enjoy the convenience of WeChat Wallet, you must first pass the "real-name authentication" step and show your detailed identity information.

For residents of mainland China, it’s simple, just take out your Chinese ID card;

And for expats, here is a list from which you can choose the documents that suit your nationality and location, and then you can move on to the next step.

1. Foreign passport
2. Return Permit for Hong Kong and Macao/Residence Permit for Hong Kong and Macao Residents
3. Taiwan Compatriot Permit/Taiwan Resident Residence Permit
4. Permanent residence permit for foreigners

Now that all the documents are ready, it’s time to deduce the plot of the WeChat real-name authentication process:

1. Open the WeChat APP and click "Me - Service - Wallet" in the lower right corner.
2. Select "Identity Information - Authentication", and then you can happily click "Agree".
3. At this time, you have to fill in your identity information: such as name, gender, document items (type, number, validity date and expiration date), occupation and address.
4. Perhaps, the system will ask you a little rudely if you want to add bank card information.
5. For those users who don’t have a mainland Chinese bank card on hand, hey, you can bind a credit card from Visa, Mastercard or JCB.Just fill in all the card information (type, card number, expiration date, CVV code) and billing address, and then prepare to receive an SMS verification code.
6. At the end, a 6-digit payment password is required, and you have cleared the level!

However, if you are bound to an international credit card, you can only use WeChat to make simple purchases by scanning QR codes.

For example, it can be used for transportation, group buying, takeout, catering, convenience stores, supermarkets and online supermarkets, but please note that you cannot use it to transfer money or send money.wechat red envelopeOh.

By the way, here are a few frequently asked questions:

1. Can I really use foreign credit cards with WeChat Pay?Yes, since 2019, Tencent has supported overseas international credit cards to be bound to WeChat Pay.However, this function is relatively limited. In most cases, you can only scan the QR code to make purchases. Other transactions such as change recharge, transfers and red envelopes are not suitable.

2. Does WeChat real-name authentication require binding a bank card?Well, in order to comply with relevant laws and regulations, WeChat Pay requires all users to undergo real-name authentication.For overseas users without Chinese ID cards, WeChat will ask for personally identifiable information.Maybe sometimes, WeChat will also ask you to bind your bank card for further authentication.Generally speaking, to make online or offline payments, you need to bind a bank card.However, even if you don’t have a Chinese bank card, you can still bind a VISA/Mastercard/JCB credit card.

How do foreigners top up Chinese WeChat Pay in RMB?

• China's WeChat Pay needs to be bound to a Chinese bank card in order to send RMB red envelopes and transfer RMB, and the same is true for Alipay.
• This is to prevent illegal activities such as money laundering by the Chinese government.
• If you have strong demand, you can go to China to open a Chinese bank account, so that you can top up RMB in your Chinese WeChat Pay wallet and Alipay.

What should I do if I don't have a Chinese bank card?

• The only way is to go to China to open a bank account.
• You can go to the China Construction Bank in second- and third-tier cities in mainland China to open a domestic bank account in China (you can call the local bank for the latest situation before going there)

If you want to open a bank account in China, you must applyChinese mobile number.

Please refer to the Chinese mobile phone number application tutorial below for the method ▼

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