In 2015, the Interchange Fee Regulation (EU/2015/751) (“IFR”) came into force in EU, requiring a separation between card schemes and processing entities in terms of accounting, organization and decision-making processes. Such IFR applies to card-based payment transactions carried out within EU, where both the payer's payment service provider and the payee's payment service provider are located therein.

UnionPay therefore comes up with this code of conduct to help UnionPay staff understand the requirements of the IFR and provide guidance for such staff to be fully compliant as it relates to such aforementioned transactions only.

This Code of Conduct will take effect on February 7, 2018. If there are questions or concerns about this Code of Conduct, please feel free to contact UnionPay Legal and Compliance Section at

For more information about it, please check here.
  • introduction
    UnionPay services since September, 2011  
    Local service hotline N/A  

    About 19,000 merchants accept UnionPay cards, covering restaurants, shopping centers, supermarkets, hotels, medical services and more. You may withdraw cash from the ATMs of Euronet and Alpha Bank Romania with your UnionPay card.
  • Romania – Mysterious Balkan
    Known for the Dracula spoony for 400 years, located in the mysterious and remote Central and Eastern Europe, Romania possesses Sibiu, a beautiful Saxon town, Bucharest, also known as “small Paris”, Transylvania, known for vampire, and Brasow, also called as “New Prague”. Why not take your UnionPay card (card number starting with 62) to uncover the mysterious veil of the charming Eastern European country?
  • POS acceptance
    Merchants with the signage of  all accept UnionPay 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.
  • Cash withdrawal
    The ATMs of Euronet and Alpha Bank Romania with a   logo accept UnionPay cards for cash withdrawals.

    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).
  • 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.