Mobile Banking for Expats · China · 2026 Review
Majority Mobile Banking for Expats in China
The bank built for life abroad
Designed for international residents — one app for banking, calling & more
What is Majority? — China User Guide
If you're in China and looking for mobile banking for expats, this guide explains what to check before considering Majority. Majority is a mobile banking subscription designed specifically for internationals living abroad. For $5.99/month, members get a Visa debit card, FDIC-insured US bank account, unlimited international calling, free international money transfers, and a supportive community of fellow expats. Refer a friend and earn $50 — your friend gets $10 when they sign up, add $20, and make 3 purchases within 30 days.
In this review: Majority vs Revolut, Majority vs Wise, Majority vs Chime
What Majority Offers
Unlimited International Calling
Call your home country for free with unlimited minutes to 50+ countries included in your membership.
Visa Debit Card
Spend anywhere Visa is accepted. Fee-free ATM withdrawals at 55,000+ Allpoint ATMs in the US.
FDIC-Insured Bank Account
US bank account with up to $250,000 FDIC insurance — hold, spend, and receive USD.
Free International Transfers
Send money home for free — no transfer fees, competitive exchange rates.
Community & Perks
Join a community of internationals. Get discounts on shipping, flights, and local services.
Early Direct Deposit
Get your paycheck up to 2 days early with direct deposit to your Majority account.
$50 Referral Bonus
Refer a friend and earn $50. Your friend earns $10 when they sign up, add $20, and make 3 purchases within their 30-day trial.
Majority Pros & Cons
Our honest assessment for China users
✓Pros
- ✓Designed specifically for internationals and expats
- ✓Unlimited free calling to 50+ countries included
- ✓FDIC-insured US bank account
- ✓Free international transfers with no fees
- ✓Supportive community and expat-specific perks
- ✓Earn $50 for every friend you refer
–Cons
- –Monthly membership fee of $5.99
- –Primarily focused on the US market
- –Not a full bank — limited to everyday banking features
Using Majority in China, China
Local banking landscape · China · Asia
Digital banking in China is shaped by the city's unique economic role and fintech scene.
China has the world's most advanced fintech ecosystem, with Alipay (1.3B users) and WeChat Pay (900M users) transforming commerce, supported by PBOC's CBDC launch and a highly innovative sector. China is the world's second-largest economy, the world's manufacturing centre, and a technology superpower, with a 1.4 billion population and a rapidly growing middle class driving global demand. The primary banking need in China: cNY digital accounts with Alipay/WeChat Pay integration, international payment services for China's enormous business diaspora, and cross-border banking for the world's largest trading nation. CNY accounts and multi-currency options are both available. No branch required — compare and open online.
Traditional Banks in China
ICBC, China Construction Bank, Agricultural Bank of China, Bank of China
China processes more mobile payments annually than the rest of the world combined — Alipay and WeChat Pay each serve over 1 billion users.
Why China Residents Choose Digital Banking
- ✓CNY & multi-currency accounts
- ✓International wire access
- ✓Cross-border RMB transfers
- ✓SWIFT-enabled global reach
Ready to Get Started with Majority?
Review current eligibility, account options, and terms directly with Majority
Join Majority →Designed for international residents — one app for banking, calling & more
Frequently Asked Questions
Majority — answers for China users
China — Local Questions
Affiliate Disclosure: Rome Digital Bank may earn a commission when you open an account or complete a transaction via links on this page. This does not affect our editorial assessments — we only partner with services we believe are genuinely valuable for our users.