UnionPay cards can be swiped on UnionPay POS machines at home and abroad. Merchants and ATMs with the "UnionPay" logo posted overseas can use the RMB account in the credit card for payment, and there is no handling fee in the process of swiping the card. However, there are not many merchants abroad who can accept UnionPay cards.

At present, dual-currency cards issued by domestic banks are RMB-USD cards. Consumers don't have to pay a handling fee for spending in the United States. When spending in a non-US dollar country, the bank will first convert the local currency into US dollars, and then convert the US dollars into RMB, and will charge a certain currency conversion fee in the process. The currency conversion fee for VISA and MasterCard is about 1% to 2% of the transaction amount. Take credit card consumption 100 euro as an example. According to the current exchange rate of 1 euro pair 1.3 1 USD, it is equivalent to spending 1.365438 USD. Therefore, the current consumption amount shown in the account needs to be increased by 1% to 2% on the basis of 13 1, and the final bill amount may be1.3 $133.6, which is equivalent to overpaying/kloc.