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 parts:
(1)Service fee charged by the issuer: please consult the issuer for details.
(2)Service fee charged by the ATM acquirer in Ghana: some ATMs will charge commission fee, which is charged by the local banks in Ghana and which has nothing to do with UnionPay or the issuer.
Cash withdrawal via debit card results in a lower commission fee.