1. Restrictions on overseas card swiping of domestic UnionPay cards: According to the regulations of the State Administration of Foreign Exchange, China UnionPay imposes restrictions on overseas card swiping of UnionPay cards, including three categories: complete prohibition, amount restriction and complete liberalization. The amount of a cardholder's single transaction in a merchant with a limit shall not exceed the equivalent of US$ 5,000, and whether the credit card consumption is limited by the limit depends on the type of merchant sent by the merchant.

At present, the setting and management of the transaction limit of UnionPay debit card are all in the issuing bank itself, and UnionPay only plays the role of standardization and management. Therefore, domestic card-issuing banks will control the large consumption limit of POS transactions of our debit cards in overseas areas (mainly Macao) according to the needs of risk control. Please consult the issuing bank for details.

2. ATM withdrawal limit for domestic UnionPay cards overseas: The ATM withdrawal limit for domestic UnionPay cards overseas is as follows:

(1) The daily cumulative cash withdrawal amount of each card (subject to 23: 00 Beijing time every day) shall not exceed the equivalent RMB 10000 yuan. Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which shall be subject to the local machine prompt.

(2) The total amount of bank cards (including supplementary cards) in an individual's name shall not exceed the equivalent of RMB 654.38+10,000 yuan in each natural year.

The above contents are for reference, subject to the latest business rules.