1. Exchanging currency (taking US dollars as an example)

You can convert USD cash into RMB in most banks in mainland China. Some banks, such as the Bank of China and the Industrial and Commercial Bank of China (ICBC) accept overseas VISA, MASTER, or AMERICAN EXPRESS cards to exchange RMB. The maximum exchange amount is 50,000 USD per year.

You can also withdraw at most 3,000 RMB per day with overseas credit cards at most ATMs in mainland China. Exchange rates vary daily.

If you want to convert less than 3,000 RMB per day into USD, you can go to the Bank of China. For more than 3,000 RMB, it is much easier to ask your Chinese colleague or friend to do it for you at the Bank of China or ICBC. A reservation call to the bank is also required (Small bank branches may not have much USD cash on hand).

2. Opening a bank account

It is good to have a local ICBC bank account in Guangzhou if you are a long-term foreign expert at SCUT, which makes receiving salary and daily life much easier. Bring your original passport and a photocopy. ICBC charges 15 RMB for service of opening an account and requires at least 1 RMB as an initial deposit.

3. ATM (taking ICBC as an example)

You can use your debit card (also known as ATM card) to access your RMB account at ATMs for the services of cash withdrawal, deposit, funds transfer, remittance, balance inquiry, password changing, etc. Not all ATMs provide all-round services; each ATM’s function can be identified by its Chinese name, but not by its English name in most cases. You can go with your Chinese friend to find the appropriate ATM for you or check the English service information on the screen.

Note: If you use your ICBC card at other banks’ ATMs, you will be charged a fee.

4. Reporting a lost card

The first thing to do when your bank card is lost is to dial your bank’s telephone number to report it (ICBC mainland: 95588. If you are not in the city where your deposit bank is located, select 8 for “Roaming Service”). English service is available.

You might be required to go to the bank in person with your passport to re-open the account.

1. 货币兑换（以美金为例）

持美元现金，可在中国境内银行办理美元兑换人民币业务（部分银行如中国银行和中国工商银行也可办理持境外VISA、MASTER或AMERICAN EXPRESS等卡兑换人民币业务）。一年内兑换总额度不可超过5万美元。

还可持中国境外的信用卡直接在中国境内银行的柜员机上提取人民币，汇率为即时汇率。一天累计支取额度不超过3000元人民币。

在中国境内将人民币兑换成美元，若一天累计兑换金额不超过3000元人民币，可直接去中国银行办理。若一天累计兑换金额超过3000元人民币，建议由中国的同事或朋友代替外专到中国银行或中国工商银行换汇，这样换汇的程序会简单很多。换汇前需打电话提前预约（某些银行的支行可能没有足够的美元贮备）。

2. 银行开户

为了便于工资发放和日常生活，长期外专应在广州市内的中国工商银行开设个人账户。

开户所需资料为护照原件及复印件一份。开户时工商银行将收取15元人民币的工本费，而且必须在账户中存入不少于1元人民币的现金。

3. ATM（以中国工商银行为例）

持借记卡（即ATM卡）可以在中国银行的柜员机上办理存取款、转帐、汇款、账户信息查询、修改密码等业务。但并不是所有柜员机都可提供以上的全部业务，不同的业务功能的柜员机对应有不同的中文名称，但大多都没有相应的英文名称。因此，建议在中国朋友的陪同下找到所需办理业务的柜员机，或者按柜员机上的英文服务系统操作。

备注：在非本行的柜员机上操作时，须缴纳一定的手续费。

4. 银行卡挂失

银行卡丢失，请在第一时间致电银行，办理银行卡挂失。挂失后在银行规定的期限内可凭护照取回新的银行卡。

中国工商银行的服务热线为：95588（若在异地丢失银行卡，请拨打95588后选择8——漫游服务），提供英文服务。

如要重新开户，需要亲自前往银行办理。

Wushan Campus 五山校区

ICBC中国工商银行

ATMs of the Bank of China中国银行ATM

ATMs of China Construction Bank中国建设银行ATM

ATMs of the Agricultural Bank of China中国农业银行ATM

Ground floor of No.5 Student Canteen

学五饭堂一楼

Business Hours: Monday-Friday 9:00-17:00, Sunday 9:00-15:00

营业时间：周一至周五9:00-17:00；周日9:00-15:00

University Town Campus大学城校区

ATMs of the Bank of China 中国银行ATM

Ground floor of Block B,Gongjian Building, living area

生活区公建楼B座1楼

ICBC ATMs中国工商银行ATM

Ground floor of D3 building

D3栋1楼

Wushan Campus五山校区

ICBC

中国工商银行

Opposite to Exit C, Wushan Metro Station

五山地铁站C出口对面

Monday-Friday

周一至周五9:00-17:00

Saturday-Sunday

周六日 9:00-15:30

020-85287989

Construction Bank of China

中国建设银行

No.263,F1, Chashan Lu (near the McDonald’s)

茶山路1层263号（麦当劳旁）

Monday-Friday 9:00-17:30

Sunday 10:00-16:00

周一至周五9:00-17:30；周六休息；周日10:00-16:00

020-38902934

Bank of China

中国银行

No.21, Yuezhou Lu

岳洲路21号

Monday-Friday

周一至周五9:00-17:00

020-85286230

020-85287007

Agricultural Bank of China

中国农业银行

No.16, Yuezhou Lu

岳洲路16号

Monday-Friday

周一至周五9:00-17:00

020-85287515

020-85286239

University Town Campus大学城校区

Agricultural Bank of China

中国农业银行

F2, Guangzhou University Business Hotel

大学城广大商业中心商务酒店二楼

Monday-Friday

周一至周五 9:30-16:30

ICBC

中国工商银行

Teaching Area, Guangdong University of Technology

广东工业大学教学区

Monday-Friday

周一至周五10:00-15:00

Living Area, Guangzhou University

广州大学生活区

Bank of China

中国银行

Ground floor, Student Center, Guangdong University of Foreign Studies

广外学生活动中心一楼

Monday-Friday

周一至周五8:30-11:30 14:30-17:00

Saturday

周六8:30-17:00

Ground floor, DormitoryB4,

Guangzhou University

广州大学B4宿舍楼下

Monday-Friday

周一至周五8:30-11:30 14:30-17:00

Sunday

周日9:00-15:00