Common sense of overseas use of unionpay cards
At present, RMB cards with UnionPay logo issued by mainland banks can be used in Hong Kong, Macau, Singapore, South Korea and Thailand.
Before leaving the country, cardholders can log on to the www.chinaunionpay.com International Business Section of China UnionPay website to inquire about relevant information, including the list of card issuers that can accept UnionPay cards overseas, the instructions for using the cards, the addresses of overseas UnionPay merchants and ATMs, and the promotion information of irregular overseas credit cards.
When using UnionPay cards abroad, you must identify the UnionPay logo posted on the ATM of merchants or banks, and only the places where UnionPay logos are posted can accept UnionPay cards.
Overseas, the same merchant may have multiple acceptance networks, so when shopping with a credit card, it is best to remind the merchant that you have to settle through the "UnionPay" network.
Merchants with the "UnionPay" logo will use local currency (such as Hong Kong dollars or Singapore dollars) when swiping their cards overseas. China UnionPay will automatically convert the currency according to the foreign exchange quotation published by domestic banks on the day of the transaction, and then directly deduct the RMB funds on your card, without any foreign exchange purchase procedures or any handling fee.
Withdraw cash from ATMs with the "UnionPay" logo posted overseas, and withdraw cash in local currency (such as Hong Kong dollars or Singapore dollars). China UnionPay will automatically carry out currency conversion according to the foreign exchange quotation published by domestic banks on the day of withdrawal, and then directly deduct RMB funds from your card. Cash withdrawal transaction requires you to pay a certain handling fee (the specific charging standard can be inquired from the issuing bank).
There is no limit on the amount of money spent by overseas merchants holding UnionPay cards, but each card can't withdraw more than 5,000 yuan in local currency (such as 4,500 Hong Kong dollars or 970 Singapore dollars) from ATM machines every day.
If you lose your card abroad, you need to call the issuing bank to apply for loss reporting in time to ensure the safety of the funds in the card.
If you encounter an ATM machine swallowing a card abroad, you can apply for a replacement card at an ATM branch within three working days, or you can apply for a replacement card at the issuing bank after returning home.
When you swipe your card overseas, if you have any questions about the accounts, you can keep the shopping list, shopping list, bills and other related documents, and contact the issuing bank for inquiry after returning home.
If you need help using UnionPay cards overseas, you can call the local help hotline set up by China UnionPay:
Hong Kong and Macau +852-83328330
Singapore +65-62720 1 12
Korea +82-2-34758 18 1
(Thailand has not yet opened an emergency hotline)
In addition, you can call the customer service hotline of your domestic card-issuing bank directly to get in touch with your card-issuing bank.