The machine accepted the card but gave no cash.
“The ATM said transaction cancelled and returned my card.”
What to do now
Try these in order. Stop as soon as one works.
-
Check the overseas cash switch
Many banks block cash withdrawals abroad by default, even when card payments work.
About 3 min -
Try a bank-branch ATM
Use Bank of China, ICBC, or China Construction Bank machines during opening hours.
About 5 min -
Withdraw a smaller amount
A smaller request can pass when the machine cannot dispense a large sum.
About 2 min
Why this happens
Ranked by how often it is the cause.
Overseas cash withdrawal is switched off in your banking app.
Open card controls and allow overseas ATM use.
Likelihood: high
You reached your bank's daily cash limit.
Check the limit in your banking app or call the number on the card.
Likelihood: high
The machine is out of cash or offline.
Try an ATM inside an open bank branch.
Likelihood: medium
If that does not work
Get out of the queue first. Solve the payment later.
- Change money at a bank counter
Bring your passport and ask for RMB cash.
- Pay by card at a hotel or chain store
Large merchants are more likely to accept foreign cards.
- Use Alipay with a bound card
Covers most purchases without needing cash.
Setup guide: Cash and ATMs in China for Tourists: Fees and Limits At this place: Buying Train Tickets in China with a Foreign Card
Related problems
Independent guide. Not affiliated with any bank, ATM operator, or card network. Rules checked 2026-10-26 (version 2026-10). Found a different error message? Send it to us.