UnionPay services since December, 2005

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In Germany, UnionPay cards are accepted at 70% POS and 60% of ATMs.

  • Germany – Courtesy
    Germany is a country surrounded by ancient castles, lakes and mountains, where there are the romance of sunshine and beach, dreamlike fire balloon in the Wizard of Oz, full set of hot spring bath for the Roman Emperor, as well as world-known German beer. As a courtesy, the rigorous habit of German is famed the world over. Why not take your UnionPay card (card number starting with 62) to visit Germany and appreciate more unique characteristics of the courtesy?
  • POS acceptance

    In Germany, UnionPay cards are accepted at 70% POS. Merchants include Bucherer, Christ, Douglas, Galeria, Hermes, LV, Wempe and many more group buying stores and duty-free stores popular among tourists. 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 scheme 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.

    Paying with UnionPay credit card at some local merchants requires no PIN. Cardholders can complete the payment following the instruction of the cashier. You can also refer to relative service guide at “Help Center-Card-using Instructions-Service Guide for Overseas Using of UnionPay Credit Card without PIN”.

  • Cash withdrawal

    UnionPay cards can be used to withdraw euro cash through over 60% of ATM in Germany. With the sign of UnionPay or the Commerzbank, Deutsche Bank, Sparkasse and BW Bank signs posted on the ATM or displayed on the screen, cash withdrawal can be made with UnionPay cards.

    Sparkasse ATM location inquiry page:


    BW Bank ATM location inquiry page:


    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

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

  • Tax Refund of UnionPay Cards upon Returning
    UnionPay International cooperates with United Money to launch the service of tax refund on return. If UnionPay cardholders shop in designated stores of tax refund in EU countries, it’s available to apply for tax refund upon returning after having tax return form stamped by the customs. The tax-refund process is simple in operation, rapid to the account and available to exempt the trouble of queuing. (The service is only applicable for UnionPay cards issued in Mainland China.)

    Click the following link for tax refund upon returning:
    https://bonus.unionpayintl.com/taxrefund-web/v3/desktop/apply.jsp, and have more understanding of tax refund application, tax refund progress and tax refund branches.

  • Introduction of Overseas Tax Refund
    UnionPay has launched the UnionPay card (card number starting with 62) overseas tax refund service in cooperation with Global Blue, Planet Tax Free, Premier Tax Free, Tax Free Worldwide and GB Tax Free that are the world’s largest tax refund institutions. Such service covers 38 countries and regions. You can apply for tax refunds when shopping in oversea stores only if they are labeled the following logos of tax refund cooperative institutions.

    If you are using the Premier tax refund service, you can check the Premier global refund points and tax refund progress on Premier Tax Refund Inquiry.

    For more information, please click
  • More considerate services offered by UnionPay Card

    UnionPay Card Emergency Cash Assistance Service

    UnionPay cardholders can call the hotline of the issuing bank or local UnionPay hotline to apply for an emergency cash assistance capped at the equivalent of USD 5,000 if they are experiencing emergencies like lost or malfunctioning cards.


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