So far, UnionPay cards are accepted for cash withdrawal at 1.7 million ATMs outside mainland China, covering major travel destinations like Hong Kong, Macau, Japan, Southeast Asia, United Arab Emirates, Australia, New Zealand, Russia, Europe and the United States. Cardholders can withdraw cash from local ATMs. The amount of transactions made in local currency will be directly converted into RMB based on the market exchange rate, and debited from your RMB account by the issuer accordingly.
In accordance with relevant requirements of the State Administration of Foreign Exchange, an individual withdrawing cash overseas with domestic bank cards is allowed to withdraw a maximum of amount equivalent to RMB10,000 every day with each card, and is allowed to withdraw a maximum of amount equivalent to RMB100,000 in total every year for all bank cards (including supplementary cards) issued under them. In case that the yearly cap aforementioned is reached, no further cash withdrawal overseas is allowed any more in the current year and the next year. Please click here for details. And limits may be set separately by issuing banks to credit cards due to credit line and other causes. For details, cardholders may consult issuing banks. The cap of ATM withdrawals varies from country to country and from region to region, depending on local machine tools.
How to Identify ATMs that Accept UnionPay Cards?
All ATMs with the logo accept UnionPay cards. Due to the practice of some countries, UnionPay logo may only be shown on the screens of ATMs, which requires cardholders’ particular attention. Some ATMs may not have put up the UnionPay logo, you can judge from the logos of cooperative institutions on ATMs. Cardholders can inquire the logos of local banks in the corresponding country at “Global UnionPay Card”.
UnionPay cards accepted by ATMs outside mainland China for cash withdrawal
Debit cards (including wage cards, savings cards, etc.) with the UnionPay logo or issued by all financial institutions.
Note: Dual logo cards cannot be used to withdraw cash via the UnionPay routing from some ATMs in some countries and regions.
ATM Operation and Surcharges
The procedure of cash withdrawal at ATMs in some countries and regions is different from that in China. The card may be returned before cash is given. Please pay attention to this.
ATMs in the following countries and regions provide interfaces in the Chinese language:
Hong Kong, Macau, Japan (some ATMs), Korea , Singapore , Malaysia , Thailand , Russia , Kazakhstan , Vietnam , Cambodia , Turkey , USA , France (some ATMs), etc.; Citibank ATMs (in some countries) and etc.
ATMs may not return card in case of malfunction or misoperation or negligence. In this case, cardholders can get the card back at the branch in charge of the ATM by providing valid identify documents (such as passport) within 3 days since the incident (postponed in case of holiday). If the card is not taken back by cardholder within 3 days as prescribed, the card will be destroyed and the cardholder need to apply for a new one with the issuer after returning back to China. If no cash is taken from ATM but a certain amount has been deducted from the account, cardholder may apply for a dispute to the issuer after returning back to China.
Surcharges may be charged for cash withdrawal at some ATMs outside mainland China. Yet it has nothing to do with UnionPay. Some ATM screens may display additional surcharges and the charging standards. For specific charging standards, please refer to the information shown on local ATM screen, or call Customer Service Center at 95516.
Note: Cardholders are recommended to use the UnionPay debit cards for cash withdrawal since overdraft interest will apply when using a credit card.
Advantages of withdrawing cash with UnionPay cards:
-Avoid carrying large amount of cash, ensures personal and financial security.
-PIN-based authentication makes transactions and accounts more secure.
-Low commission fee is charged.
-RMB settlement without the need to purchase foreign currency.
-No need to apply for a new card. Almost all UnionPay cards issued in mainland China can be accepted overseas.
-Provide hotline service in Chinese; interface in the Chinese language provided by ATMs in some countries and regions.