Location: Xiamen, China Currency: CNY CN¥ Chinese Yuan Renminbi
ATMs in Xiamen Gaoqi Airport (XMN) Locations & Hours
Here’s a complete list of ATMs located inside Xiamen Gaoqi Airport (XMN), plus additional ATMs and banks near Xiamen Gaoqi Airport (XMN) for convenient cash withdrawals before or after your flight.
Bank of China (Bank Counter) — Terminal 3 (T3) Departures Hall
- Location: Terminal 3 (T3), Departures Hall, 2F (Bank of China counter in the departure hall)
- Hours: 09:00–16:00
ATM Machines (24h) — Terminal 3 (T3) Gate 10 Area (Domestic Departures)
- Location: Terminal 3 (T3), Gate 10, Domestic Departure Hall, 2F (ATM machines area)
- Hours: 24 hours
Bank of China (24h Self-Service ATM) — Terminal 3 (T3) International Departures Hall
- Location: Terminal 3 (T3), International Departures Hall (候机楼国际出发厅 / international departure waiting area)
- Hours: 24 hours
ICBC (24h Self-Service ATM) — Terminal 3 (T3) Level 2 (F2)
- Location: Terminal 3 (T3), F2 / 2F (翔云一路121号 / Xiamen Gaoqi International Airport address listed for the T3 terminal area)
- Hours: 24 hours
China Construction Bank (CCB) ATM — Xiamen Gaoqi International Airport (Terminal Area, F2)
- Location: Xiamen Gaoqi International Airport, F2 / 2F (翔云一路121号 / airport terminal address listed for the ATM)
- Hours: 24 hours (self-service ATM)
ATM Machines (24h) — Terminal 4 (T4) Departures Hall
- Location: Terminal 4 (T4), Departures Hall, 2F (ATM machines in the departures hall)
- Hours: 24 hours
China Construction Bank (CCB) 24h Self-Service ATM — Terminal 4 (T4) Departures Level (F2)
- Location: Terminal 4 (T4), F2 / 2F (厦门高崎国际机场T4航站楼 / Xiamen Gaoqi International Airport T4 terminal)
- Hours: 24 hours
Bank of China (BOC) ATM — Terminal 4 (T4) Departures Level (F2)
- Location: Terminal 4 (T4), F2 / 2F (厦门高崎国际机场T4航站楼 / Xiamen Gaoqi International Airport T4 terminal)
- Hours: 24 hours (ATM)
ATM Point — Terminal 3 (T3) Departures Hall, Near Business Center Zone
- Location: Terminal 3 (T3), Departures Hall, 2F (area beside the Business Center / near airport services cluster; follow “ATM” signs)
- Hours: Typically 24 hours (ATM machines listed as 24h in T3)
ATM Point — Terminal 3 (T3) Domestic Arrivals Hall (Landside)
- Location: Terminal 3 (T3), Domestic Arrivals, 1F (public/landside arrivals hall area; follow “ATM” signs)
- Hours: Typically 24 hours (ATM machines listed as 24h in T3)
ATM Point — Terminal 3 (T3) International Arrivals Hall (Landside)
- Location: Terminal 3 (T3), International Arrivals, 1F (public/landside arrivals hall area; follow “ATM” signs)
- Hours: Typically 24 hours (ATM machines listed as 24h in T3)
ATM Point — Terminal 3 (T3) Check-in/Departure Processing Zone (Before Security)
- Location: Terminal 3 (T3), Departure processing area (landside) before security; look near service counters and “ATM” signage
- Hours: Typically aligned with terminal operations; ATM machines listed as 24h in T3
ATM Point — Terminal 3 (T3) Airside (After Security) Near International Gates
- Location: Terminal 3 (T3), airside international area after security (near international gate corridors; follow “ATM” signs)
- Hours: Typically 24 hours (ATM machines listed as 24h in T3)
ATM Point — Terminal 4 (T4) Arrivals Hall (Landside)
- Location: Terminal 4 (T4), Arrivals Hall, 1F (public/landside; follow “ATM” signs toward services/transport exits)
- Hours: Typically 24 hours (ATM machines listed as 24h in T4)
ATM Point — Terminal 4 (T4) Departure Processing Zone (Before Security)
- Location: Terminal 4 (T4), Departures level (landside) near check-in and service desks; follow “ATM” signs
- Hours: Typically 24 hours (ATM machines listed as 24h in T4)
ATM Point — Terminal 4 (T4) Airside (After Security) Near Boarding Gate Corridors
- Location: Terminal 4 (T4), airside after security (near the main boarding gate corridors; follow “ATM” signs)
- Hours: Typically 24 hours (ATM machines listed as 24h in T4)
ICBC (Airport Branch Self-Service) — Near Airport Complex (Outside Terminal, Walkable)
- Location: ICBC self-service listed near the airport area (翔云一路288号 / Xiangyun Rd. 288; short taxi/walk depending on your terminal/exit)
- Hours: 24 hours
Extra ATM Listing — “XMN T4 Terminal 2F” (General ATM Listing)
- Location: Xiamen Gaoqi International Airport, Terminal 4, 2F (general ATM listing for the terminal area)
- Hours: Typically 24 hours
China Everbright Bank ATM — Near Airport Area (Outside Terminal Zone)
- Location: Listed near the airport road network (翔云路 / Xiangyun Road area; best reached by taxi)
- Hours: Typically 24 hours (ATM)
Nearby Bank of China (BOC) Airport Branch — Landside/Office Complex Area
- Location: Airport-side business/office complex near the terminals (common option if terminal ATMs are out of service)
- Hours: Business hours vary (branch); ATMs often 24 hours
Xiamen Gaoqi Airport (XMN) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Xiamen Gaoqi Airport (XMN). For terminal maps and official airport info, visit Xiamen Gaoqi Airport (XMN) map/homepage.
International Arrivals (T3)
- After landing, follow the airport signs for Arrivals.
- Proceed through any required Immigration and Customs steps (for international/regional arrivals handled in T3).
- Collect your luggage at Baggage Claim, then follow signs to the public Arrivals hall (landside).
- Once you enter the public Arrivals hall, slow down and scan for overhead signs reading “ATM” (or the Chinese equivalent “ATM/取款机”).
- If you see signs for Gate 7 / Gate 5 service points or enquiry counters, you’re in the correct general zone—ATMs are usually close to these landside service clusters.
- If you don’t see an ATM immediately, walk toward the main passenger flow between arrivals exits and transport pickup areas, watching for an ATM cluster or a bank self-service corner.
- Withdraw the cash you need (RMB/CNY) before you head outside to taxis, buses, ride-hailing, or hotel shuttles.
- If you accidentally walk outside first, re-enter the terminal and follow the ATM signs back into the Arrivals hall.
Domestic Arrivals (T4)
- After landing, follow signs for Arrivals and Baggage Claim.
- Collect your luggage, then follow the main passenger flow to the public Arrivals hall (landside).
- In the Arrivals hall, look for overhead or wall signage reading “ATM” / “取款机”. In T4, ATMs are generally available with 24-hour access and are commonly placed in high-traffic areas such as Arrivals and Departures halls.
- If you are heading toward transport exits (taxi/ride-hailing/bus), pause before leaving the building and check the nearest services cluster for an ATM point.
- If you need more options, go upstairs toward the Departures hall—T4 ATMs are specifically listed as available in the Departures Hall (2F).
- Withdraw the cash you need before heading outside to the pick-up lanes.
Departing Passengers (Fastest “Known ATM” Route)
- If you are departing from T3, go to the Domestic Departure Hall, 2F and head toward Gate 10—this is a listed 24-hour ATM location.
- If you are departing from T4, go to the Departures Hall, 2F—ATMs are listed as available 24 hours in this area.
- Do your withdrawal before entering long security lines so you have time if one ATM is out of service.
Quick XMN Landmarks That Mean You’re Close
- T3: If you’re in the Domestic Departure Hall (2F) and signage points you toward Gate 10, you’re near the listed 24-hour ATM area.
- T4: If you’re in the Departures Hall (2F), you’re in the main zone where ATMs are listed as 24-hour.
- If you can see the outside pick-up lanes, you’re likely just past the easiest landside ATM area—turn back inside and follow ATM signage.
Use the map below to find the nearest ATMs and banks near Xiamen Gaoqi Airport (XMN), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Xiamen Gaoqi Airport (XMN)
- If you’re departing from T3 and need the most reliably described ATM point, go straight to the Domestic Departure Hall (2F) near Gate 10, where ATM machines are listed as 24 hours.
- For T4 departures, plan your withdrawal at the Departures Hall (2F), where ATMs are listed as 24 hours—do it before you commit to security queues.
- If you need in-person help (cash services, assistance with card issues), the Bank of China counter in T3 Departures Hall (2F) has limited hours (daytime business hours), so don’t count on it late at night.
- XMN is split between Terminal 3 and Terminal 4; if an ATM area is crowded or temporarily offline in your terminal, consider moving to the other terminal’s departures hall ATM area before leaving the airport complex (both terminals list 24-hour ATM availability).
- At XMN, it’s common for services (currency exchange/bank counters) to cluster near major passenger flows. If you’re in an arrivals hall and don’t see an ATM immediately, look around enquiry/service clusters and follow “ATM/取款机” signage instead of walking outside first.
- If your foreign card is rejected at one machine, try a different bank-branded ATM inside the terminal (XMN has multiple major-bank ATM listings in the terminal area, including Bank of China and China Construction Bank).
- Withdraw a smaller test amount first (for example, enough for transport into Xiamen) so you can confirm your card works and avoid hitting daily limits while still inside the terminal.
FAQs – Xiamen Gaoqi Airport (XMN) ATMs
Where are the most clearly listed 24-hour ATMs at XMN?
Terminal 3 (T3) lists ATM machines at Gate 10 in the Domestic Departure Hall (2F), and Terminal 4 (T4) lists ATM machines in the Departures Hall (2F), both with 24-hour availability.
Is there a bank counter inside Xiamen Gaoqi Airport (XMN)?
Yes. XMN lists a Bank of China counter in Terminal 3 (T3) Departures Hall (2F), with published working hours (daytime business hours).
Which terminals should I check first if I arrive and need cash quickly?
If you arrive internationally/regional via T3, start in the public arrivals hall, then use the fastest “known ATM” route by going up to T3 Departures 2F near Gate 10. If you’re in T4, the most direct listed ATM zone is the T4 Departures Hall (2F).
Do ATMs at XMN charge a fee?
Chinese ATMs can apply a bank-side fee policy that varies by bank and card network, and your home bank may also charge an overseas withdrawal fee. At XMN, use an ATM that clearly displays fees on-screen before confirming; if the fee looks high, cancel and try another bank ATM inside the terminal area.
What currency do XMN airport ATMs dispense?
ATMs at XMN dispense RMB (CNY). If you need foreign currency, use the airport’s currency exchange counters instead.
What if the ATM I find is out of cash or not accepting my card?
Move to the other listed ATM zone in your terminal (or the other terminal within the airport complex): T3 Gate 10 (2F) and T4 Departures Hall (2F) are both listed as 24-hour ATM areas. Trying a different bank-branded ATM can also improve success rates.
Xiamen Airport Related Services
- BOOK an AIRPORT HOTEL in Xiamen or SLEEPING PODS
- RENT a CAR in Xiamen Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Xiamen Airport or NEARBY
- BUY a LOCAL eSIM for Xiamen, China or a GLOBAL eSIM