What should I pay attention to when using a UnionPay card overseas?

1. Overseas UnionPay card cash withdrawal tips:

1. Most UnionPay cards have a daily limit of RMB 10,000 equivalent abroad, but the Agricultural Bank of China has a daily limit equivalent to RMB 5,000.

2. Dual-currency card (refers to a bank card with the UnionPay logo but also with the Visa or Mastercard logo, also known as the UnionPay logo card, generally the card number starts with 4 or 5) can not choose the China UnionPay channel for overseas cash withdrawal, it is recommended to use the UnionPay single currency card (UnionPay standard card, the general card number starts with 62).

3. There will be additional handling fees and interest for cash withdrawals from credit cards. It is recommended to use a debit card for cash withdrawals. Credit cards are used for purchases.

4. In some countries (such as Japan, the Philippines, etc.), the bank where the ATM machine is located may charge part of the handling fee, which will generally be reminded before withdrawing cash, please pay attention to it and try to use the bank ATM machine that does not charge fees.

5. The release and effectiveness of the China UnionPay exchange rate is subject to Beijing time, please note that the daily cash withdrawal limit including UnionPay cards is also calculated in Beijing time.

6. If the UnionPay card is a non-RMB UnionPay card issued outside Chinese mainland, please refer to the exchange rate of the non-RMB UnionPay card for its exchange rate.

2. The cost of using UnionPay cards overseas.

1. There is no handling fee for credit card consumption, and it will be exchanged directly according to the China UnionPay exchange rate on the day.

Domestic card issuing bank fees (some are free of charge).

Overseas ATM fees (most of which are free).

Domestic card issuing bank charges.

1) Handling fee charged by the domestic card issuer for overseas cash withdrawal.

2) UnionPay cards can withdraw cash or consume overseas (including Hong Kong, Macao and Taiwan) and automatically convert foreign exchange into local currency at the exchange rate released by UnionPay on the same day.

3. Handling fee of overseas ATM institutions.

When you use a UnionPay card, please be sure to strengthen your risk awareness, especially when making inquiries and withdrawals at ATMs, pay attention to whether there are any redundant devices on the ATMs, such as cameras, etc., and cover the password with your hands when operating to prevent being remotely photographed and avoid losses. In addition, overseas merchants usually strictly check the signature on the back of the card, so please be sure to sign in the signature column on the back of the card before you use the card to make purchases abroad. If the signature does not match the signature on the back of the card, the transaction will be rejected by the merchant.

OK. In addition to the daily limit of RMB 10,000 equivalent per card per day, an annual limit will be added for the cash withdrawal of UnionPay RMB cards in China.

Starting from 1 January 2016, the cumulative cash withdrawal of each UnionPay RMB card in China shall not exceed the equivalent of RMB 100,000 per card per year. During the period from October 1, 2015 to December 31, 2015, the cumulative value of each card shall not exceed RMB 50,000. Due to credit limit and other reasons, the issuing bank may set a separate limit for credit cards, so please consult the issuing bank for details.

Overseas countries and regions also have different limits on the amount of ATM withdrawals, which are subject to the local machine tips.

According to the China Bank Card Industry Development Report (2018) released by China UnionPay on May 22, 2018, UnionPay has issued more than 100 million cards worldwide, and its global acceptance network has extended to 168 countries and regions, covering nearly 50 million merchants and nearly 2.6 million ATMs.

China UnionPay cards can be used abroad.

There is no problem withdrawing money from ATMs with the following "UnionPay" logo.

Some merchants may also have a "UnionPay" logo at the cashier, so you can use a UnionPay card to pay. However, in foreign countries, UnionPay is not the mainstream, and there are not many merchants that support UnionPay consumption.

UnionPay International is a subsidiary of China UnionPay that is responsible for operating international business, attracting global partners through membership, expanding the overseas acceptance network of UnionPay cards, expanding the issuance and use of UnionPay cards, and carrying out cross-border applications of innovative payments, so as to enhance the international influence of the UnionPay brand.

Through cooperation with more than 1,800 institutions around the world, the global acceptance network of UnionPay cards has been extended to 170 countries and regions, and UnionPay cards have been issued in 48 countries and regions overseas. UnionPay International is providing high-quality, efficient and secure cross-border payment services to the world's largest cardholders, as well as increasingly convenient and localized services for more and more overseas UnionPay cardholders.

UnionPay cards can be used in 181 countries and regions around the world (including 180 countries and regions outside China) for POS card consumption or ATM withdrawal of local currency.

For details, please go to the official website of UnionPay International, click on the page "UnionPay Card in the World" (top left for computers, top right for mobile phones) - select the country or region you want to go to to view local card tips.

UnionPay International official website.

It is recommended that you contact your card issuer or UnionPay customer service for consultation.

The above content is for reference, and the specific path is subject to the page display.

Bank cards marked with the UnionPay logo can be used abroad. As long as it is a POS or ATM with the "UnionPay" logo, it can be used. There is no handling fee for swiping the card. Specifically, you can check the opening countries, and generally the countries where Chinese citizens travel more have opened them.

It can definitely be used, but there are more places available in Hong Kong, Macao, Southeast Asia and other places. Whether it can be used in a certain place in a certain country, and where it can be used, you can log in to UnionPay's ** query, or you can call UnionPay customer service for consultation.

Places where you can use bank cards abroad: one is a branch of the Bank of China abroad, and the other is an ATM and store with the UnionPay logo abroad.

Foreign ATM cash withdrawal: There are many ATMs abroad where you can use UnionPay debit card to withdraw cash, and you don't need to deposit foreign currency in the card but directly deduct the RMB funds in the customer's card, so please deposit enough RMB before going abroad. It should be noted that ATMs in foreign countries may not all have the UnionPay logo, but as long as you see the ATMs with the CitiBank or Pulse logo, you can use the UnionPay debit card to withdraw cash.