


What are the transaction limits for a foreign user on Alipay?
Jul 12, 2025 am 02:45 AMYes, Alipay has transaction limits for foreign users. Unverified accounts have a daily limit of around 1,000 RMB and a monthly cap of 5,000 RMB with no transfer or savings features. After basic verification with a passport, daily limits increase to up to 5,000 RMB and monthly limits reach 20,000–50,000 RMB with limited transfer options. Full verification via a linked local or international bank card can raise daily limits to 100,000 RMB or more, enable bank transfers, and unlock more services like Huabei. Limits are also influenced by account age, activity, country of origin, usage purpose, and whether a Chinese phone number is used.
Alipay does have transaction limits for foreign users, and they can vary depending on your account type, verification level, and the country you're from. Here's a breakdown of what you need to know.

Basic Limits for Unverified Accounts
If you're using Alipay with an unverified account (no ID or passport linked), your transaction capabilities are quite limited. This is mainly for security reasons and to comply with Chinese financial regulations.

- Daily spending limit: Usually around 1,000 RMB
- Monthly spending cap: Often capped at 5,000 RMB
- No large transfers or savings features available
These restrictions are pretty tight if you're just trying to use Alipay casually while visiting China. To unlock more flexibility, you’ll want to go through at least basic identity verification.
Limits After Basic Verification (Passport Linked)
Once you verify your identity using a passport, Alipay typically increases your limits. This is common for tourists or expats who aren’t eligible for full Chinese ID verification.

- Daily spending limit: Up to 5,000 RMB
- Monthly spending limit: Around 20,000–50,000 RMB
- Some transfer functions may become available, like sending money to other Alipay users
You might also notice that certain services—like paying utility bills or booking flights—are still restricted unless you do more advanced verification.
Full Verification (Bank Card Bound)
To get near-full functionality, linking a local bank card (or in some cases, an international card) helps. However, not all foreign banks are supported, and this process can be tricky for non-residents.
- Daily limit: Can go up to 100,000 RMB or more, depending on the card and usage history
- Transfers to bank accounts become possible
- More services like credit borrowing (Huabei) may open up
Keep in mind that even after linking a card, Alipay might still impose additional checks or require re-verification periodically.
Things That Affect Your Limits
A few factors can influence the exact numbers you see:
- Account age and activity: Older, more active accounts tend to get higher trust scores and better limits
- Country of origin: Some nationalities face stricter controls due to regulatory concerns
- Purpose of use: If Alipay detects business-like behavior (e.g., frequent high-value transactions), it may apply different rules
Also, if you’re using a Chinese phone number and have been verified by a local friend or service, you might see slightly relaxed limits—but that’s not guaranteed and could violate Alipay’s terms.
So, depending on how much you use Alipay and what kind of verification you've done, the limits can range from a few hundred yuan per day to tens of thousands. It’s not super flexible for foreigners, but enough for daily use if you’re traveling or living here short-term.
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