unionpay

UnionPay cards can be smoothly used at 177 countries and regions worldwide.

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  • China UnionPay
  • Global sea purchase
  • Exchange rate inquiry
  • ATM Query
  • u•plan
  • Chinese
  • UnionPay services since December, 2010
    Local service hotline N/A


    In Laos, UnionPay cards are accepted at over 80% of merchants and ATMs.

    • Laos – Simple and Ancient Buddhist Country
      As one of the least developed countries worldwide and one of the countries Mekong river runs through, Laos is close to Yunnan, mainly depends on agriculture, bears weak industrial foundation, and believes in Buddhism. Located in the inland of Southeast Asia, Laos, as a lost paradise featuring thick virgin forest, antique temples and friendly people, seems so plain yet appealing. Why not take your UnionPay card(card number starting with 62) to appreciate the plainness and piety of the ancient Buddhist country?
    • POS acceptance
      Merchants with the signage of   all accept UnionPay credit cards. Since that some of the merchants have yet to put up the UnionPay signage, cardholders may show their UnionPay cards upon the till and inquire about UnionPay acceptance.

      When using co-branded cards, you are advised to choose UnionPay as the routing option to be benefited from the special offers and services provided by UnionPay.

      Note:Some UnionPay card acceptors or acquirers route co-branded cards  to corresponding card shcem according to the card BIN, which means co-branded cards transactions aren't routed to UnionPay without selection by cardholders and merchant cashiers. Please refer to the transaction results for the information about transaction routing.
    • Cash withdrawal

      In Laos, UnionPay cards are accepted at ATMs of BCEL for withdrawing local currency (Kip). There are the signage of on these ATMs or the ATM screen, and all provide the interface in Chinese.

      Please refer to the latest government policy on overseas cash withdrawal via UnionPay cards at "Help Center-Card-using Instructions-Refined Card-using Tips". Daily cash withdrawal limit from respective issuers and/or ATM may apply. Please consult your issuer on the possible cap on the amount. You may split your withdrawals into several times which comply with the limit(s).

    • Charges
      No conversion fee is applied to payments or cash withdrawal made by UnionPay cards or via UnionPay network. The transaction value in local currency will be directly converted to RMB based on the market exchange rate.

      ATM commission fee consists of two separate fees: 
      (1) Service fee charged by the issuer: please consult your issuer for details.
      (2) Service fee charged by the ATM acquirer in Laos: some ATMs will charge commission fee, which is charged by the local banks in Laos and which has nothing to do with UnionPay or the issuer.

      Cash withdrawal via debit card results in a lower commission fee.
    • Tips
      Select PINs that cannot be easily guessed by anyone.
      Never disclose your PIN to anyone who claims to represent the bank or the police.
      Be alert to your surroundings before conducting any banking transactions.
      Keep a close eye on your credit card during transaction to avoid any illegal activities.
      If your UnionPay card has been stolen/lost, please inform the issuer immediately.