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Using Alipay International Edition will incur currency conversion fees, cross-border merchant payment fees and related bank card withdrawal fees. The details are as follows: 1. The currency conversion fee is 1% to 3% of the transaction amount, and the converted RMB amount will be displayed before payment; 2. Transferring money to the Alipay account through an associated international bank card may involve bank handling fees, and overseas ATM cash withdrawal does not support direct operation through Alipay, and the issuing bank standard international cash withdrawal fees must be borne; 3. When overseas merchants use Alipay, they can choose to settle in local currency or RMB. If RMB is selected, the exchange rate and fee will be displayed in advance. Some merchants may charge convenient payment fees, but it is rare; 4. It is recommended to choose a bank card without overseas handling fees, give priority to using it in countries where Alipay cooperates widely, maintain sufficient RMB balance in the account to reduce real-time foreign exchange, and confirm the final price before payment to control costs.
Using Alipay internationally comes with several fees depending on the type of transaction. Here's what you need to know about how Alipay handles international usage and where costs might come in.
Currency Conversion Fees
When you use Alipay outside China and pay in a foreign currency, the app automatically converts the amount into RMB (Chinese Yuan) for you. This conversion usually includes a small service fee , typically around 1% to 3% of the transaction value. This isn't always obvious at first glance, as it's often built into the exchange rate rather than listed separately.
- You'll see the converted amount before confirming the payment, so it's worth checking how much you're actually being charged.
- These fees apply whether you're using your Alipay balance, linked credit card, or debit card.
Withdrawal Fees from Linked Cards
If you link an international bank card or credit card to your Alipay account, certain transactions may trigger fees:
- Withdrawing money from ATMs abroad is not directly supported through the Alipay app, but if you use a linked card via another method, expect standard international withdrawal fees from your card issuer.
- Transferring funds from a linked card to your Alipay balance might also involve fees, especially if the card is issued outside China.
Always check with your card provider about foreign transaction fees — Alipay doesn't charge these directly, but they can affect your overall cost.
Cross-border Merchant Payments
Alipay has expanded its network globally, and you can now use it at many merchants outside China, especially in popular tourist destinations like Japan, Thailand, and parts of Europe.
- When paying at a merchant that accepts Alipay, the app may let you choose to pay in local currency or RMB .
- If you choose to pay in RMB, the conversion rate and any associated fee will be shown before you confirm the payment.
- Some merchants may add a convenience fee for using mobile payments, though this is rare.
Tips for Minimizing International Fees
To keep costs low when using Alipay abroad, consider these practical tips:
- Always review the final price after conversion before confirming a payment.
- Use Alipay in countries where it has strong local partnerships — fees tend to be lower or more transparent.
- Link a card that offers no foreign transaction fees to reduce extra charges.
- Keep your Alipay balance topped up in RMB to avoid real-time currency conversion.
Most international fees with Alipay are small and often baked into the transaction, so they don't hit you all at once. They're generally managed if you're aware of them ahead of time.
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