ATM Service Availability
In Lhasa, Shigatse, Tsedang, Baiyi, Lhatse, Zhangmu, Saga, you can use your bank card to withdraw money when necessary, but it is better to prepare enough cash for the trip in Lhasa as the ATMs in small cities sometimes do not work. Besides, the number of ATMs are quite a few in small cities, for example, there is only one ATMs in Lhatse, in case it is out of work, you cannot find an alternative.
Using Credit Cards
Credit cards are a convenient payment method in Lhasa, but do not work well in other cities in Tibet. Most of the four star, five stars even 3-star hotels in Lhasa accept credit card and usually ask you to pay 3-4% extra bank charge. The Lhasa branch of Bank of China is the only bank in Tibet provides credit card advances. You can get cash by ATM of the bank of China with a 3% commission and withdraw at most RMB2000 cash.