Overseas withdrawal of China Merchants Bank's credit card (including Hong Kong, Macao and Taiwan): the charging standard is 3% of the withdrawal amount, and the minimum charge is 3 US dollars or RMB 30 yuan.

Five common problems in overseas divestment

1, ATM query times may also be counted.

Some banks stipulate that 1 time can be withdrawn from bank cards for free every day outside China. However, if you make an inquiry at an overseas ATM and withdraw money again, it will be regarded as two times, and the second withdrawal will be charged a handling fee.

Question 2: The fees charged by ATM affiliated banks or overseas ATM affiliated institutions to make up their operating costs without violating local laws and the control of regulatory agencies will be automatically added to the total withdrawal amount by the institution and sent to the domestic UnionPay card-issuing banks through China UnionPay.

Question 3: There is a difference in the withdrawal limit. Generally, ATMs with UnionPay logo in foreign countries will display the withdrawal limit of the day in Chinese. This figure refers to the amount of local currency, not the amount of RMB.

Question 4. Visitors to non-English-speaking countries should consider the problem of being unable to use ATM because of different languages.

Question 5. ATMs can't accept change. For currencies that can't be exchanged in China, what people are most worried about when they go to the airport is that once the ATM machine is taken out, it will be more troublesome to change large bills.