just a short note to share my experience last week (February 2018) in China.
To make it short: if travelling to China leave your Monzo at home, bring cash and exchange it on any bank.
I have tried, and being declined, to pay using my Monzo on:
- Pacific coffee shop
- big supermarket (sorry forgot the name)
Basically they only take UniPay cards.
So you end going to take cash to an ATM…but most of them only work with UniPay cards, not Mastercard. Of course you need to enable the stripe on the app…that only lasts for 24 hs.
A complete pain.
To make a long story short: next time I will take cash and exchange on a Bank and that is it.
If you have a friend that has a Chinese bank account, the best idea would be to ask him to help setup wechat and use it to pay. Everybody takes wechat to pay.
Hope is helpful!