We are use to using ATMs in most countries when we travel. In China there are ATM machines in most large cities but do not always accept all cards. Before using an ATM in China check to make sure your card is acceptable. You put in the amount of your currency and out comes the exchange in Yuan at the going rate. There is a charge of course by your bank as well as the service. Lately I have found ATMs right in many 4 and 5 star hotels or less known foreign exchange money machines too. Many hotels are referring people to nearby banks these days since many hotels do not accept debit or credit cards for exchange. Good old cash is still exchanged at most hotels however. For more information on money and exchange, contact us at firstname.lastname@example.org We will always be glad to help you. Tours to China and Tibet is our business for over 20 years.