UnionPay cards and UnionPay international networks offer convenient, affordable, and secure overseas payment services. Bank cards with the UnionPay logo can be used almost exclusively at UnionPay merchants and ATMs abroad.
The UnionPay card abroad (card number starts at 62) allows you to enjoy the three advantages of using a UnionPay network card or ATM withdrawals.
Advantages
- No currency conversion fees
- Consumption in local currencies and in RMB, avoiding multiple exchange losses
- The ATM withdrawal rate is relatively low
- You also have the possibility of taking advantage of UnionPay promotions.
Convenience
- Settlement in RMB, no need to buy foreign currency
- No need to apply for the new card, almost all bank cards with the UnionPay logo can be used abroad.
- Chinese customer phone service and in some countries we provide ATM interface in Chinese.
Security
- No need to carry large sums of cash for personal and financial security.
- Password authentication to protect transactions and accounts.
Special Note:
Compared with credit cards, if you use UnionPay debit cards abroad, ATM fees are relatively low; Credit card consumption is not subject to the credit limit, it is only limited by the account balance, which is most suitable for high-value consumption.
According to the relevant regulations of the Exchange Administration of China, an individual has a Chinese bank card to withdraw money abroad. Except that the card does not exceed the equivalent of CNY 10,000 per day, the bank card (including the subsidiary card) in the name of the individual does not exceed the equivalent amount of CNY 100,000 per year. If the withdrawal exceeds the annual quota, in the current year and the following years the national bank cards will be suspended and you cannot withdraw money abroad, click here to find out more. Also, the issuing bank may set the limit separately due to credit limits, etc. You can consult the issuing bank. ATM withdrawal limits vary by country and region. For more details,
In 2009, UnionPay achieved acceptance of UnionPay cards at local ATMs through cooperation with the UK ATM transit network, LINK. Recently, in accordance with UK regulatory requirements, the activities of the network institution (LINK Scheme) and the transaction processor (VocaLink) are separated: VocaLink is not eligible to receive orders, UnionPay must sign contracts with all partners, i.e. one-to-one DAB operators. We are in the process of signing contracts with most ATM operators and are accelerating signing with other operators to have UK ATMs fully accepting UniPay cards as soon as possible. During this period, from 30 March 2016, 3:00 a.m. (8:00 p.m. on 29 March, UK time), the Use of UnionPay cards by a small number of UK ATMs may be temporarily affected. It is recommended to try to withdraw cash from the nearby ATM or pay directly with the UnionPay card. While local ATM operators continue to gain access, the ATMs concerned are gradually returning to their normal state.
In accordance with the requirements of the Macau Monetary Authority, the policy "Know Your Customer" (Know Your Customer or KYC) will be implemented for transactions carried out by ATMs in Macau when using the card issued in China. This policy applies to cards issued by all bank card issuers in China. This policy will initiate the test operation in some ATMs. Once the cardholder has inserted the card, the ATM will automatically determine if a know-your-customer test is required and provide instructions. If you use a UnionPay card issued in China to withdraw money in Macau, some ATMs will ask the card reader to verify your second-generation ID card and the ATM's camera will take the photo and compare it to your card identity.
Under the UnionPay Merchant Management Law, it is strictly prohibited to use the UnionPay card issued in China to purchase the overseas property.
Residents of China can use the UnionPay card to pay for health insurance purchases while traveling abroad; It is strictly prohibited to use UnionPay cards to pay for other insurance products. Additionally, if you purchase an insurance product linked to a bank card in China, a one-time restriction of $5,000 or other equivalent currency will be applied.
In accordance with UnionPay Corporate Rules, it is strictly prohibited to use UnionPay Cards to directly or indirectly pay for game products.
If you confirm that your cash withdrawal does not exceed the daily or annual overseas limit, but your ATM withdrawal request is rejected, this may be due to different cross-border cash withdrawal limits set by some banks. It is recommended to go to another bank's ATM terminal again.
Please check your UnionPay card before exiting China.
The "UnionPay" logo must be printed on one side of your card, otherwise, you must request a new card from the issuing bank.
Regardless of debit and credit card, sign your name on the back of the card, otherwise, add the signature in advance.
To ensure the normal use of the card, consult your issuing bank beforehand if the UnionPay network service has been activated. For more details, see the list of the issuing bank.
UnionPay has covered countries and regions where Chinese people frequently visit, such as Hong Kong, Macao, Japan, South Korea, New Matai, Australia, New Zealand, United States the United States, Canada and France, and Germany. For more information, see the list of countries and regions where UnionPay services are activated.
You cannot use UnionPay cards to make bank transfers and make withdraw at overseas banks or withdraw money through commercial payment terminals.
Identifying UnionPay ATMs and Merchants Overseas
You can use UnionPay cards at merchants and ATMs bearing the UnionPay logo overseas.
Due to country-specific practices, the UnionPay logo can only be displayed on the ATM screen. Please pay close attention to the screen. Some merchants or ATM partners cannot use the "UnionPay" logo. You can ask the cashier and also confirm whether you can use UnionPay cards or through the partner institution's ATM logo. For details, see "User Tips" or call the UnionPay Service Hotline (95516).
If you use UnionPay cards abroad to buy or withdraw money via the UnionPay network, the local currency amount will be converted directly into CNY value at the market exchange rate and will be immediately credited to your CNY account by the issuing bank.
You don't need to pay any fees when using UnionPay cards abroad. (except as provided in local regulations in some regions)
If you use the UnionPay card to withdraw cash from the ATM, the issuing bank will charge the fee. For details, contact the issuing bank. Some ATMs in some countries charge an additional fee. Additional ATM fees are charged per transaction.
You can purchase the product or service or withdraw money through the UnionPay network. There are no currency conversion fees compared to other credit card networks.
You can use the credit card abroad to redeem and enjoy a certain interest-free period, but consumption is limited by the credit limit. Consumption of debit cards is only limited by account balance (except when the individual sets the consumption limit), which is suitable for high-value consumption. In addition to paying operating fees, withdrawals made abroad by credit card require the payment of interest on cash advances. Therefore, it is recommended to use your debit card for overseas withdrawals, as debit card withdrawals only require transaction fees.
Regardless of debit or credit card, sign the back of the card. For purchase by credit card, sign the order form to facilitate verification with the cashier. Regardless of credit or debit card, enter your password when you swipe the card. For cards that do not have a password, press ENTER or enter 6 digits. Do not set too simple a card password: when entering the password, it is recommended to cover the keyboard by hand to prevent remote recording.
If you use the UnionPay credit card with the transaction password set up to make the overseas purchase, you can confirm the transaction by “signature + password”; for cards without the transaction password, confirm only by signature.
Tip: So far, these merchants are mainly located in the United States, South Korea, Hungary, Iceland, Italy, Germany, Austria, Spain, Japan, Australia, Bahamas, Brazil, France, United Kingdom, Netherlands, Ireland, Greece, Denmark, Denmark, Switzerland, Norway, Sweden, Russia, and Kazakhstan. For slashing opening in other countries and regions, see UnionPay International's announcement.
If you lose your card overseas, call your issuing bank immediately to verbally report the loss and follow written procedures after returning to China.
The ATM will swallow the card in case of failure, wrong operation, or forgetting the card in ATM. After the accident, within three days from the day of the accident (extended in case of vacation), please bring the valid certificate (such as a passport) to Operation Point to request a return of the bank card. If you do not request the return of the card within three days, the card will be destroyed.
If the account is debited at the time of withdrawal, but the ATM does not dispense money or if the payment is incorrect at the time of consumption, ask the card-issuing bank to correct the error after you return to China.
