You can open a bank account in RMB or foreign currency at the nearest bank branch with your passport or other valid documents. Commercial banks such as the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications all provide account opening services. For specific application conditions, you can consult the branch or check the bank's official website. Once you have opened a bank account, you can access services like depositing and withdrawing RMB and foreign currencies, foreign exchange transactions, domestic and international transfers, and foreign currency exchange and payment.

If you hold a bank card marked with UnionPay, Visa, Mastercard, etc., you can pay by swiping the card at merchants that accept these cards. If there is no specific logo, you can ask the cashier whether you can use your card. If you have a UnionPay card, you can use it at all merchants in China with card payment terminals.