Can I Access Online Banking in China? What's Blocked

Most online banking works—but with caveats. Bank websites aren't specifically blocked, but some features and connections may be affected.

What Works

Direct Bank Websites

Most major bank websites function:

• Chase
• Bank of America
• Wells Fargo
• Citibank
• UK banks (Barclays, HSBC, etc.)
• Most credit unions

However: Some security features may cause issues.

Banking Apps

Mobile apps generally work:

• Same functionality as home
• May be slower
• Biometric login works

Potential Issues

Two-Factor Authentication

SMS codes:

• Should still arrive
• May be delayed
• International roaming must work
• Verify your number receives texts in China

App-based authentication:

• Google Authenticator: Works offline
• Microsoft Authenticator: Works
• Bank-specific apps: Usually work

Google-Related

If your bank uses Google services:

• Google reCAPTCHA may fail
• Some security checks blocked
• VPN usually solves this

VPN Complications

Using VPN:

• Bank may see "unusual location"
• Could trigger security alerts
• May lock your account temporarily
• Login from "VPN country" then China looks suspicious

Recommendation: Use banking without VPN first. Add VPN only if blocked.

Before Your Trip

Notify Your Bank

Tell them:

• Travel dates
• Countries visiting (China)
• That you'll access online banking
• Contact number abroad

Test Everything

• Log into online banking
• Ensure 2FA works
• Verify phone receives texts internationally
• Download offline statements if needed

Set Up Alternatives

• Secondary bank account
• Different authentication method
• Family member who can help if locked out
• Bank's international phone number saved

During Your Trip

Best Practices

1. Keep logins minimal — Check once daily, not constantly
2. Use secure networks — Hotel WiFi, not public
3. Consider VPN — For security on shared networks
4. Screenshot important info — Account numbers, contact info
5. Don't make major transactions — Wait until home if possible

If You Get Locked Out

1. Don't panic
2. Call bank's international line
3. Verify identity
4. Request temporary unlock
5. May need to wait until home for full access

Specific Bank Notes

US Banks

Chase: Generally works, occasional captcha issues Bank of America: Usually functions well Wells Fargo: Works, may need VPN for some features Capital One: Generally accessible

UK Banks

Most work via app and website Some features may be geo-restricted

Australian Banks

Similar situation — Main banking works, some features limited

Money Management Strategy

Before You Go

• Pay any bills coming due
• Set up auto-payments
• Transfer funds to travel accounts
• Notify relevant institutions

While There

• Monitor for unusual activity
• Keep transactions simple
• Use Alipay for daily spending
• Minimize online banking needs

Emergency Funds

• Have backup payment method
• Know how to receive emergency wire
• Family member who can send money if needed
• Western Union as last resort

The Reality

For a typical tourist trip:

• Banking works fine
• Check occasionally
• Don't stress
• Have backups just in case

Most people never have banking issues in China.

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Need financial help in China? The China Survival Kit includes payment guides, ATM tips, and emergency financial contacts.