In 2025, are you thinking of borrowing money from the gods to boost your fortune? Checheng Fu’an Temple is one of Taiwan’s most popular wealth temples, where locals seek financial blessings and replenish their “money vault.”

This guide walks you through the worship process at Fu’an Temple, common taboos, and the cultural meaning behind asking for money blessings. Whether you’re new to Taiwanese folk beliefs or simply curious, this post has everything you need to know—clearly explained with photos.

屏東車城-福安宮金爐
圖片來源/攝影:愛獨旅的流浪女子

目錄Table of contents

福安宮小歷史|A Brief History of Fu’an Temple

營業時間&地址|Opening Hours & Address

為什麼要求發財金?|Why Do People Request the Money Blessing?

如何求發財金?|How to Request the Money Blessing

如何前往福安宮?|How to Get to Fu’an Temple

福安宮文化館|Checheng Fu’an Temple Cultural

福安宮週邊景點|Attractions Around Fu’an Temple

補充👉什麼是「財庫」?|What Is a “Wealth Vault”?


福安宮小歷史|A Brief History of Fu’an Temple

  • 主祀:福德正神(俗稱土地公)
  • 創建年代:創建於明永曆年間西元1654年,為官方認定最早的福德正神祖廟之一。
  • 土地公戴官服:正殿神像滿掛金牌、頭戴官帽,是臺灣少見被皇帝褒封的土地公造像,象徵「官祿、財祿雙到」
  • 建築規模:三進六層、前殿五門雙閣,挑高金碧輝煌,被譽為「東南亞最大土地公廟」。
  • Main Deity Worshiped: The Earth God (Fude Zhengshen)
  • Established: Built in 1654 during the Ming Yongli period, Fu’an Temple is officially recognized as one of the oldest temples in Taiwan dedicated to the Earth God.
  • Unique Features: The main statue of the Earth God is dressed in an imperial robe and wears an official hat—symbolizing both governmental and financial blessings. The deity is also honored with golden plaques granted by emperors, a rare recognition in Taiwan.
  • Temple Scale: The temple boasts a grand three-hall, six-level layout with twin towers and five ceremonial gates. Its golden and majestic architecture has earned it the title of “The Largest Earth God Temple in Southeast Asia.”
屏東車城-福安宮
圖片來源/攝影:愛獨旅的流浪女子

營業時間&地址|Opening Hours & Address

  • 開放時間:每日 05 : 00 – 22 : 00
  • 地址:屏東縣車城鄉福安路 51 號
  • 電話:08-8821345
  • Opening Hours: Daily 05:00 – 22:00
  • Address: No. 51, Fu’an Rd., Checheng Township, Pingtung County, Taiwan
  • Phone: +886-8-8821345

為什麼要求發財金?|Why Do People Request the Money Blessing?

向土地公借錢求財氣,象徵性地取用神明的財源,希望自己的財運大開。雖然是借錢,但實際上並不是拿來花用,而是作為招財象徵。有些人認為自己財庫破洞、流年不利時求發財金能補運補庫

Borrowing money from the Earth God is a symbolic ritual to receive divine financial energy and invite good fortune into one’s life.
Although it’s called “borrowing,” the money isn’t meant to be spent. Instead, it serves as a charm to attract wealth and prosperity.
Many people believe that when their financial energy feels unstable or their luck is down, receiving this blessing can help restore balance and ‘patch up’ their fortune.


轉運、補財庫適合哪些人?

  • 新創業者
  • 想跳槽轉職的人
  • 投資卡關者
  • 家中財運低迷者

當錢母放在錢包

  • 放入錢母可招來好財運。
  • 不可亂花或亂丟,需妥善保存、保持尊敬。

存入銀行活期帳戶(流動戶頭或業務戶頭)

  • 將存入流動帳戶,象徵讓錢生錢
  • 有人還會持續在這個帳戶中存錢,形成開運理財習慣。

Who Should Seek Fortune Renewal or Wealth Vault Restoration?

  • New entrepreneurs – Starting a business and in need of stable financial energy.
  • Those considering a career change – Seeking better opportunities and a shift in fortune.
  • Investors facing setbacks – Hoping to break through financial bottlenecks.
  • Families experiencing low fortune – Looking to uplift household prosperity and restore balance.
  • What Is a “Wealth Vault”?

How to Use a “Lucky Coin” (Money Seed)

  • Place it in your wallet to attract positive financial energy.
  • Do not spend it or treat it casually—keep it safe and show respect, as it symbolizes divine wealth.

Can Depositing It into a Bank Account Attract Wealth?

  • Depositing it into a checking or business account symbolizes setting your money in motion—allowing it to grow.
  • Some even make a habit of regularly saving in the same account, turning it into a personal prosperity ritual.

如何求發財金?|How to Request the Money Blessing

信徒可透過正式儀式向土地公「借發財金」,象徵向神明借錢轉運、招財進寶。只要年滿20歲、帶著證件前往文化館服務台,擲筊請示土地公同意後,就可以借「轉運發財金」。以下是借發財金的流程👇

Worshippers can take part in a formal ritual to borrow a symbolic “money blessing” from the Earth God—inviting prosperity and shifting their fortune.

Anyone over the age of 20 can bring valid ID to the Cultural Center, toss jiaobei blocks (for divine approval), and receive the “fortune-changing money blessing.”

Here’s a step-by-step guide to the ritual process👇

屏東車城-福安宮發財金結緣狀
圖片來源/攝影:愛獨旅的流浪女子

步驟如下:

  1. 焚香拜土地公:告訴土地公你的姓名、生辰八字、地址、借金用途。
  2. 擲筊:請示土地公是否可借發財金,擲出聖筊代表神明同意借金
  3. 借金:持身分證駕照到文化館櫃台填表,登記後領取發財金。
    (無法使用健保卡、居留證)
  4. 過爐:領完發財金後,回到正殿過爐,順時針繞三圈。
  5. 使用方式:一張放錢包當錢母,一張存入流動的戶頭(銀行)象徵「錢滾錢」。(發財金面額600元)
  6. 現場還金:一年內還金原金額 + 隨喜香油錢作為答謝神明,攜帶身份證件或求金的紅包袋,裝上還金的金額,由文化館內服務人員交付收據,完成求金及還金的手續。
  7. 郵寄還金:如果無法前往現場還金的信眾,可以使用現金袋(郵局),附上紅包袋姓名、聯絡電話、身份證字號等,寄回車城福安宮文化館(屏東縣車城鄉福安路51-2號)辦理還金。

延伸閱讀👉福安宮官方粉絲團

Steps to Request the Money Blessing

  1. Light incense and pray to the Earth God
    Tell the Earth God your name, birth date (lunar), address, and reason for borrowing the money.
  2. Toss jiaobei blocks to seek divine approval
    Ask if the deity agrees to lend you the blessing. A successful toss (sheng jiao) means approval.
  3. Register and receive your money blessing at the Cultural Center
    Bring your ID card or driver’s license (not health cards or ARC) to the counter and fill out a form.👉 The symbolic loan is NT$600.
  4. Return to the main hall and circle the incense burner
    Walk clockwise around the main incense burner three times to bless the money.
  5. How to use the blessed money
    Put one bill in your wallet as a “money seed.”Deposit the other into an active bank account as a symbol of “money attracting more money.”
  6. Return in person within one year
    Bring your ID or the original red envelope. Return the NT$600 along with a small donation, and receive a receipt from the staff at the Cultural Center.
  7. Return by post if you can’t visit in person
    If you cannot visit in person, mail the return using a cash envelope (from post office), including:
  • A red envelope with the returned amount
  • Your name, contact number, and ID number
  • Mail to:屏東縣車城鄉福安路51-2號(福安宮文化館收)
  • Address (for mail-in): No. 51-2, Fu’an Rd., Checheng Township, Pingtung County, Taiwan (Fu’an Temple Cultural Center)
屏東車城-福安宮借發財金方式
圖片來源/攝影:愛獨旅的流浪女子


如何前往福安宮?|How to Get to Fu’an Temple

大眾運輸

高鐵左營站 ➜ 搭 9189 「墾丁快線」至「車城農會站」,步行 5 分鐘即達

台鐵枋寮站 ➜ 轉乘屏東客運 9188、9189、墾丁街車至同站點。

How to Get There by Public Transportation

High-Speed Rail (THSR)

From Zuoying HSR Station: Take the Kenting Express Bus No. 9189, get off at Checheng Farmers’ Association stop, then walk about 5 minutes to reach the temple.

Taiwan Railways (TRA)

From Fangliao TRA Station: Transfer to Pingtung Bus No. 9188 or 9189, or take the Kenting Shuttle Bus, and get off at Checheng Farmers’ Association stop.

自駕Getting There by Car

走國道 3 號下長治→接台 17/26 線,依導航「車城福安宮」即可。寺前有免費停車場。

Take National Freeway No. 3 and exit at Changzhi. Then follow Provincial Highway 17 or 26. Simply navigate to “Checheng Fu’an Temple” on your GPS. Free parking is available in front of the temple.


福安宮文化館|Checheng Fu’an Temple Cultural

福安宮文化館位於福安宮主殿旁,可以在這裡借發財金,以及購買各種文創周邊。

The Fu’an Temple Cultural Center is located next to the main hall. This is where you can request the Money Blessing and browse a variety of cultural and creative souvenir items.


金元寶Golden Ingots and Fortune Symbols

中部以紫南宮的金雞母最有名,南部有福安宮的金元寶。

In central Taiwan, the most famous fortune symbol is the Golden Hen from Zinan Temple; in the south, Fu’an Temple is well known for its golden ingots (jin yuanbao) that represent wealth and prosperity.

屏東車城-福安宮金錢元寶
圖片來源/攝影:愛獨旅的流浪女子

文化館內有各種周邊商品
The Cultural Center offers a wide range of themed merchandise and souvenirs.

屏東車城-福安宮結緣文創品
圖片來源/攝影:愛獨旅的流浪女子

福安宮週邊景點|Attractions Around Fu’an Temple

車城共融遊戲場|Checheng Inclusive Playground

👉 地點:屏東縣車城鄉福安宮後方(步行1分鐘)

👉 Location: Behind Fu’an Temple, Checheng Township, Pingtung County (just a 1-minute walk)

車城共融公園「洋蔥大福」主題遊具與祈福攀爬網,適合親子同遊。
Checheng Inclusive Playground with giant onion-themed slide and auspicious climbing net beside Fu’an Temple.
圖片來源/攝影:愛獨旅的流浪女子

石川綠豆蒜|Shi-Chuan Mung Bean Dessert

福安宮牌樓下的30年老字號「石川綠豆蒜」,參拜後的指定甜品。剝殼綠豆、搭配粉條與黑糖湯底,再加上刨冰,夏天超消暑,冬天還能點熱的,一年四季都能吃~

Located just beneath the gate of Fu’an Temple, “Shi-Chuan Mung Bean Dessert” has been a beloved local treat for over 30 years. It’s a must-try after worshipping at the temple.
Made with peeled mung beans, chewy noodles, and a brown sugar base, it’s topped with shaved ice for a refreshingly light taste.
Perfectly cooling in summer and served warm in winter—this dessert is enjoyable all year round!

屏東車城-福安宮石川綠豆蒜
圖片來源/攝影:愛獨旅的流浪女子

車程烤蛋、紅仁鴨蛋|Grilled Eggs & Red-Yolk Duck Eggs

使用四重溪泉水加上紅土與粗鹽醃製的鴨蛋,有傳統做法也有烤鴨蛋,味道完全不死鹹,是來到福安宮必買的伴手禮。

These duck eggs are cured using spring water from Sichongxi, red clay, and coarse salt. Available in both traditional and grilled versions, they are flavorful without being overly salty.
A must-buy local souvenir when visiting Fu’an Temple.

屏東車城-福安宮旁美食街,有名的紅仁鴨蛋、烤蛋
圖片來源/攝影:愛獨旅的流浪女子

補充👉什麼是「財庫」?|What Is a “Wealth Vault”?

財庫 = 你命中的財運儲藏箱,像一個看不見的金庫。

Your “wealth vault” is like an invisible safe that holds your financial fortune—it represents your capacity to store and protect wealth.


💰 財庫狀態代表什麼?|What Does Your Wealth Vault Say About You?

  • 財庫大 → 代表你「守得住錢」、「賺得多花得少」
  • 財庫破 → 則容易「破財、被詐騙、投資失利、意外支出」
  • 財庫空 → 工作努力但總存不了錢
  • A strong vault = You’re able to keep your wealth, earn well, and spend wisely.
  • A damaged vault = You may suffer from financial loss, scams, poor investments, or unexpected expenses.
  • An empty vault = You work hard but always find it difficult to save money.