What to choose for a trip: UnionPay card or cash?

It is better to use both a UnionPay card and cash. The card is convenient for daily purchases, as it is accepted in most places and allows you to save on conversions (especially the yuan version). But you cannot rely on it completely—due to possible sanctions, it may stop working at any time.

Cash (dollars, euros, or yuan) is needed as insurance for the entire duration of the trip. It will help in case of problems with the card or in places where cashless payment is not accepted. Our experience shows that the optimal strategy is to cover the main part of expenses with the card, and use cash for emergencies or large exchanges.

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