unionpay

UnionPay cards can be smoothly used at 174 countries and regions worldwide.

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  • UnionPay services since     November, 2014
    Local service hotline          N/A

    In Azerbaijan, UnionPay cards are accepted at over 10,000 merchants and 50% of ATMs.
    • Azerbaijan——Country of Fire
      The word "Azerbaijan" is said to originate from Arabic, which means "country of fire". It has rich, beautiful natural landscapes and great climatic conditions. There are undulating hills, and scenery varies. The coast of Caspian Sea, Lake GagiKabler, Lake Mai Jo J Sauer and other 250 lakes and reservoirs on the Kula River are natural attractions. Take your UnionPay card (card number starting with 62) to enjoy the exotic temperament of Azerbaijan.
    • 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 Azerbaijan, UnionPay cards are accepted at ATMs of IBA and MilliKart for withdrawing Manat. There are the signage of  on these ATMs or the ATM screen.

      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 Azerbaijan: some ATMs will charge commission fee, which is charged by the local banks in Azerbaijan 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.