1. Use of overseas UnionPay cards:
The daily quota of most UnionPay cards abroad is equivalent to RMB 6,543.8+0,000 yuan, but the quota in China Agricultural Bank is equivalent to RMB 5,000 yuan.
Dual-currency card (bank card with UnionPay logo but with Visa or MasterCard logo at the same time, also known as UnionPay logo card, generally the card number starts with 4 or 5) cannot choose China UnionPay channel for cash withdrawal abroad, so it is recommended to use UnionPay single-currency card (UnionPay standard card, generally the card number starts with 62).
There will be extra handling fee and interest for withdrawing cash by credit card. It is recommended to use debit card to withdraw cash. Spend by credit card.
In some countries (such as Japan, Philippines, etc. ), the bank where the ATM machine is located may charge a part of the handling fee, and will generally remind you before withdrawing cash. Please pay attention to and try to use the bank ATM without charge.
The release and entry into force of China UnionPay exchange rate is subject to Beijing time. Please note that when UnionPay cards are used in areas with time difference from China, the daily cash withdrawal limit is also based on Beijing time.
If UnionPay cards are non-RMB UnionPay cards issued outside Chinese mainland, please refer to the exchange rate of non-RMB UnionPay cards.
2. What is the cost of using UnionPay cards abroad? : ?
There is no handling fee for credit card consumption, and it is directly exchanged according to the exchange rate of China UnionPay on that day.
In addition to the exchange rate of China UnionPay, ATM withdrawals also need to pay attention to the handling fees of domestic card-issuing banks (a small part is free).
Fees charged by overseas ATM institutions (mostly free).
3. Domestic card-issuing bank fees:
Handling fee for overseas cash withdrawal by domestic card-issuing banks.
When UnionPay cards are withdrawn or consumed overseas (including Hong Kong, Macao and Taiwan), they will automatically purchase foreign exchange as local currency according to the exchange rate announced by UnionPay on the same day.
note:
1. The domestic chip UnionPay card cannot be cashed out at some ATMs abroad. Please note that at least one magnetic stripe card should be prepared for overseas use. When you use UnionPay cards, please be sure to strengthen your risk awareness, especially when you check and withdraw money from ATM machines, and pay attention to whether there are redundant equipment, such as cameras, on ATM machines. When operating, pay attention to cover the password with your hands to prevent it from being photographed remotely and avoid losses.
2. In addition, overseas merchants usually strictly sign the back of check card, so please be sure to sign the signature column on the back of the card before using it overseas. If the signature does not match the signature on the back of the card, the merchant will refuse the transaction.
3. In addition, please log on to the website of China UnionPay or call the customer service number of China UnionPay at 955 16 to inquire about the overseas network layout and channel opening of UnionPay.
Extended data:
1. UnionPay card refers to a bank card that meets the requirements of unified business specifications and technical standards and has the words "UnionPay" printed on the designated position. Card numbers begin with "62". According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.
2. The purpose of the "UnionPay" logo is to provide a unified identification mark for all kinds of ATM and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be used in ATM and POS terminals with the "UnionPay" logo, and provide consumers with convenient, fast and safe financial services.
References:
Baidu Encyclopedia-UnionPay card (overseas cash withdrawal)