Most star-rated hotels (four stars and above) in Shanghai offer foreign currency exchange services, which require a passport for processing—exchange rates are slightly higher than those at banks. ATMs supporting Visa/Mastercard cash withdrawals are mainly located at foreign bank branches (e.g., HSBC, Citi) and large commercial areas (e.g., Nanjing East Road, Lujiazui). Ensure the machines display corresponding logos; cross-border handling fees may apply, so check your card issuer’s policies in advance.