{"id":3336,"date":"2025-06-15T18:45:17","date_gmt":"2025-06-15T10:45:17","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3336"},"modified":"2025-06-15T18:45:17","modified_gmt":"2025-06-15T10:45:17","slug":"%e4%b8%ad%e4%b8%9c%e7%95%99%e5%ad%a6%e7%94%9f%e6%94%af%e4%bb%98%e6%94%bb%e7%95%a5%ef%bc%9a%e9%93%b6%e8%a1%8c%e5%8d%a1%e3%80%81%e9%92%b1%e5%8c%85%e4%b8%8e%e6%b1%87%e6%ac%be","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/15\/%e4%b8%ad%e4%b8%9c%e7%95%99%e5%ad%a6%e7%94%9f%e6%94%af%e4%bb%98%e6%94%bb%e7%95%a5%ef%bc%9a%e9%93%b6%e8%a1%8c%e5%8d%a1%e3%80%81%e9%92%b1%e5%8c%85%e4%b8%8e%e6%b1%87%e6%ac%be\/","title":{"rendered":"Payment Tips for International Students in the Middle East: Cards, Wallets and Remittances"},"content":{"rendered":"<p>Here are some China payment tips for international students in the Middle East, covering bank cards, e-wallets and cross-border remittance solutions to help you manage your money efficiently:<\/p>\n<hr>\n<h3><strong>I. Guidelines for the use of bank cards<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Local Account Recommendation<\/strong><\/p>\n<ul>\n<li><strong>Bank Selection<\/strong>: Priority is given to banks that support multilingual services (e.g. Bank of China, ICBC), with some branches offering services in Arabic.<\/li>\n<li><strong>Documentation requirements<\/strong>: Passport, Student Visa (X1\/X2), Letter of Acceptance, Proof of Accommodation (or proof of residence issued by the school).<\/li>\n<li><strong>Account type<\/strong>: It is recommended to open a debit card (savings card) + credit card (for international payments).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Use of Foreign Bank Cards<\/strong><\/p>\n<ul>\n<li>Visa\/Mastercard can be used in large shopping centres\/hotels, but small payments (convenience stores\/public transport) may be limited.<\/li>\n<li><em>take note of<\/em>: Cards issued by some Middle Eastern countries may be declined due to sanctions, so testing in advance is recommended.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. Essential e-purse programme<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Alipay\/WeChat Payment Binding Tips<\/strong><\/p>\n<ul>\n<li>After registering with your Chinese mobile phone number, top up via the following methods:<br \/>\n\u2705 Domestic card transfers | \u274c High failure rate for direct top-ups from offshore cards.<\/li>\n<li><em>alternative<\/em>: Find a trusted friend to exchange foreign currency on your behalf, or use the \"TourCard\" applet (which supports prepaid virtual cards for overseas cards).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Exclusive tools for Middle Eastern students<\/strong><\/p>\n<ul>\n<li>\"AlipayHK\" or \"Meeza Pay\" (for Egyptian students): partial support for Middle East bank card binding.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>tip<\/strong><\/em>: Payment of tuition fees can be made free of charge by opening the \"XuePay\" (a platform co-operated by some universities).<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>III. Optimal solutions for cross-border remittances<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>way (of life)<\/th>\n<th>cost<\/th>\n<th>credit time<\/th>\n<th>Applicable Scenarios<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Western Union<\/td>\n<td>\u20ac15-\u20ac30<\/td>\n<td>&lt;10 minutes<\/td>\n<td>Emergency small remittances<\/td>\n<\/tr>\n<tr>\n<td>Wise<\/td>\n<td>\u2248 0.71 TP3T exchange rate difference<\/td>\n<td>1-2 working days<\/td>\n<td>AED\/EUR\u2192CNY low-cost conversion<\/td>\n<\/tr>\n<tr>\n<td>bank wire transfer<\/td>\n<td>\u00a5200+transit fee<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>IV. Optimal solutions for cross-border remittances (continued)<\/strong><\/h3>\n<h4><strong>3. Bank wire transfers (international transfers)<\/strong><\/h4>\n<ul>\n<li><strong>Applicable Scenarios<\/strong>: Large tuition fee\/living expenses remittances need to be transferred directly to a Chinese account.<\/li>\n<li><strong>Recommended Banks<\/strong>::\n<ul>\n<li><strong>Middle East \u2192 China<\/strong>: Emirates NBD, QNB, Al Rajhi Bank (some support direct RMB remittance).<\/li>\n<li><strong>China Receiving Line<\/strong>: Preference is given to those that have co-operative relationships with overseas banks (e.g. Bank of China's \"Cross-border Premium Exchange\" service).<\/li>\n<\/ul>\n<\/li>\n<li><em><strong>cost<\/strong><\/em>::\n<ul>\n<li>Middle East handling fee \u22481% (some banks waive outgoing fee).<\/li>\n<li>CNY transit fee \u00a580~200.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>4. Hawala\/Underground Money Risk Alert \u26a0\ufe0f<\/strong><\/h4>\n<ul>\n<li><em>Commonly found in Dubai\/Egypt etc.<\/em>Although there is \"zero handling fee\", there is a risk of freezing funds or fraud, and it is strongly recommended to use regular channels!<\/li>\n<\/ul>\n<hr>\n<h3><strong>V. Tips for Paying for Campus Life<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Textbook\/Printing Fee Saving Method<\/strong>::<\/p>\n<ul>\n<li>\ud83d\udcda Used books are traded using the WeChat app \"Multi Catch Fish\" or the international student group on campus.<\/li>\n<li>\ud83d\udda8\ufe0f school copy shops usually support cash\/campus card only.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>Halal catering payments<\/strong><\/em>::<\/p>\n<ul>\n<li>Alipay searches for \"Halal restaurants\" to locate nearby shops, and some Xinjiang restaurants support Halah certification.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>VI. Emergency response<\/strong><\/h3>\n<p>\u274c If the bank card is stolen:<\/p>\n<ol>\n<li>Call your domestic card issuer's customer service immediately (+86 English service hotline is shown in the table below).<\/li>\n<li>Report suspicious transactions via WeChat \"Tencent 110\".<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>Bank<\/th>\n<th>English Hotline<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ICBC<\/td>\n<td>+86-95588<\/td>\n<\/tr>\n<tr>\n<td>HSBC China<\/td>\n<td>+86-400-820-8878<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>\ud83d\udca1 <em><strong>Final Recommendations<\/strong><\/em>::<br \/>\nBefore coming to China to do a [UAE NBD Global] credit card (free of currency conversion fee), with Alipay to use the smoothness of 80%!<\/p>","protected":false},"excerpt":{"rendered":"<p>Here's a China payment guide for international students in the Middle East, covering bank cards, e-wallets and cross...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3336","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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