优化支付服务·使用指南篇 |【宁波】在甬支付指南

欢迎来到宁波！

为提升您在甬支付体验，我们为您提供了涵盖银行卡、移动支付、人民币现金、数字人民币、银行开户等不同方式的支付服务指南，为您打造安全便捷、包容多元的支付服务环境。祝您旅途愉快！

Welcome to Ningbo!

To enhance your payment experience in Ningbo, we provide you with a payment service guide covering different methods such as bank cards, mobile payments, RMB cash, e-CNY and bank account opening, creating a safe, convenient and inclusive payment service environment for you. We wish you a pleasant journey！

Scenario 1: Arrival by air

您乘坐飞机抵达宁波后，可以在宁波栎社国际机场体验“一站式”支付服务。您不仅可以在境外来宾支付服务中心咨询各类支付业务，让工作人员协助您安装移动支付APP，也能使用银行卡在ATM机上支取人民币现金，通过自助兑换机、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。

此外，您也可以选择使用银行卡、移动支付、人民币现金及数字人民币在机场商户进行支付。

After arriving in Ningbo by plane, you can experience one-stop payment services at the Ningbo Lishe International Airport. You can not only consult at the payment service center and have the staff assist you in installing mobile payment apps, but also withdraw RMB cash by your bank card at an ATM. You can also directly exchange foreign currency for RMB cash through the self-service exchange machine as well as the foreign exchange franchised institutions (indicated by the “EXCHANGE” sign) at the Ningbo Lishe International Airport. 

 Furthermore,  making payments by bank cards, mobile phone apps,  RMB cash or e-CNY is also very convenient at the airport.

Scenario 2: Transportation and travel

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。为了给您提供更加便捷的移动支付体验，我们准备了多种解决方案，并支持绑定国际主流银行卡组织发行的银行卡。

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. To create a better experience, we offer various mobile payment solutions especially for you,  which support binding bank cards with logos of UnionPay, Visa, MasterCard , etc.

Scenario 3: Hotel check-in

您在办理酒店入住时，可以刷银行卡进行支付，也可以在设有外币代兑点的酒店兑换本外币现金。此外，还可以选择移动支付或在张贴数字人民币受理标识的酒店使用数字人民币支付。

When checking in at the hotel, you can pay with bank cards， exchange currencies at any hotel exchange agencies. Additionally, mobile payment is a good choice. Furthermore, hotels that display the e-CNY acceptance sign also support e-CNY for payments.

Scenario 4: 

Sightseeing, shopping and catering

在宁波，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。

In Ningbo, 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 with RMB cash or e-CNY.

Scenario 5: 

Departure and outbound trip

您在结束宁波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。

When you are preparing to conclude your journey and depart from Ningbo, 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. At bank outlets，the daily exchange limit for unused RMB cash is the equivalent of USD 500(inclusive). But if you are going to leave China, you can exchange up to the equivalent of USD 1000 (inclusive)with your valid ID.

Account Service

如有需要，您可以持有效身份证件至境内银行网点开立银行卡。以下证件可作为办理银行卡所需的有效身份证件：有效期内的护照、港澳居民来往内地通行证、台湾居民来往大陆通行证、外国人永久居留身份证、港澳居民居住证和台湾居民居住证以及法律、行政法规规定的其他有效身份证明文件。在境内办理银行卡需要按照国际通行惯例配合银行开展尽职调查，境内开户银行将根据尽职调查进行合理的分类分级管理。

可根据境内银行的银行卡章程（协议），在以下场景使用境内银行卡：在境内所有配备POS机具的商户进行刷卡消费；提取人民币现金进行现金消费等。

If necessary, you can open a bank card at a domestic bank branch with valid identification documents. The following documents can be used as valid identity documents for applying for bank cards: valid passport, Mainland Travel Permit for Hong Kong and Macao Residents, Mainland Travel Permit for Taiwan Residents, Permanent Residence Identity Card for Foreigners, Hong Kong and Macao Resident Permit, Taiwan Resident Permit, and other valid identity documents required by laws and administrative regulations. Applying for bank cards within the country requires cooperation with banks to conduct due diligence in accordance with international practices. Domestic banks will conduct reasonable classification and grading management based on due diligence.

You can use domestic bank cards in the following scenarios according to the bank card regulations (agreements) of domestic banks: swiping cards at all merchants equipped with POS machines in China for consumption,withdrawing RMB cash for cash consumption, etc.