You need a Chinese bank account to fully benefit from Alipay, but foreigners can sign up for a 90-day ‘tour pass’ that allows them to load prepaid vouchers to the app using their Visa or Mastercard debit and credit cards. This is a handy solution if you are travelling in China, but there is no real reason to use this payment method with brokers that accept Alipay deposits, and it may cause problems down the line if you need to make a withdrawal after the 90-day pass expires.