Merchant Description (provided by the merchant)：

Activity content：

No registration required — enjoy an exclusive FX discount for UnionPay Mobile Pay in Europe! 

During the promotion period, simply use your UnionPay card issued in Mainland China and added to Mobile Pay Wallets to make in-store purchase transactions in the UK, Ireland, France, the Netherlands, Belgium, Luxembourg, Italy, Greece, Cyprus, Spain, Portugal, Germany, Austria, Switzerland, Liechtenstein, Finland, Sweden, Norway, Denmark, Poland, Hungary, the Czech Republic, Serbia, Bulgaria, and Ukraine, and you’ll get an instant 2% FX discount on every transaction! (For more details, please refer to the full promotion terms and conditions.)

Activity Rules：

1. Campaign Period (Beijing Time)

This Campaign is valid from now until 23:59:59 on 15 June 2026 (Beijing Time).

2. Eligible Participants

This Campaign is available only to UnionPay cards issued in Mainland China (excluding Hong Kong SAR, Macao SAR and Taiwan region) that are added to Mobile Pay, including co-badged cards provisioned as UnionPay Device Cards.

3. Participation and Benefits

(1) How to Participate

No registration is required. During the Campaign Period, an eligible cardholder who uses an Eligible UnionPay Card bound to Mobile Pay (including but not limited to Apple Pay, Huawei Pay, Mi Pay, Samsung Pay, vivo Pay, OPPO Pay, HONOR Pay, Flyme Pay, etc.) to make an eligible offline purchase transaction may participate in this Campaign and enjoy a 2% FX rate discount per transaction. The maximum subsidy is RMB 200 per card in total during the Campaign Period. Once the cap is reached, any excess amount will no longer be subsidised.

(2) Eligible Markets, Currencies and Transaction Type

Where an eligible offline purchase transaction is conducted in the United Kingdom, Ireland, France, the Netherlands, Belgium, Luxembourg, Italy, Greece, Cyprus, Spain, Portugal, Germany, Austria, Switzerland, Liechtenstein, Finland, Sweden, Norway, Denmark, Poland, Hungary, the Czech Republic, Serbia, Bulgaria, or Ukraine, and the transaction currency is one of the following: GBP, EUR, CHF, SEK, NOK, DKK, CZK, PLN, HUF, RSD, BGN, UAH, and the card is billed/settled in RMB, the transaction may be eligible for the FX rate discount. Eligible transactions include completed pre-authorisation transactions, i.e. pre-authorisation transactions where the final completion results in an actual debit being posted.

(3) Ineligible Transactions

Instalment transactions, ATM transactions, online/e-commerce transactions, remittance/transfer transactions, and QR code transactions (including QR codes displayed within Mobile Pay) are not eligible for the discount.

(4) Determination of Transaction Information and Pre-authorisation Completion

The transaction time, transaction type and FX rate shall be determined based on records in UnionPay’s backend systems. For pre-authorisation completion, the discount will apply based on the real-time FX rate and applicable discount at the time the completion transaction is posted/credited. If a cardholder has any questions regarding such transactions, the cardholder may contact the merchant for clarification.

(5) Total Campaign Pool

The total subsidy pool for this Campaign is RMB 1,600,000, allocated on a first-come, first-served basis until the pool is exhausted.

(6) Routing Requirement

Only purchase transactions routed via UnionPay switching are eligible. Transactions made via UnionPay Online Banking Payment or third-party platform payment are not eligible.

(7) Merchant and Goods Restrictions

Transactions at merchants subject to regulatory restrictions, bank high-risk merchants and other restricted merchants, and auction merchants are not eligible. Purchases of stored-value products such as consumer vouchers, pickup vouchers and stored-value cards, and purchases of cigarettes, alcoholic products, and investment gold bars (including gold grains) are not eligible for the discount.

(8) FX Rate Reference Link

You may check the current FX rate at https://uderp.unionpayintl.com/h5/market-promo-h5/act/C0000001/000103442026011502/826/. The “market FX rate” displayed on the platform is sourced from UnionPay systems and is a base FX rate determined in accordance with multiple channels and market-based principles. Market FX rates are subject to fluctuation. The displayed market FX rate is for reference only. There may be a delay between the update time shown in the FX query module and the effective time of such FX rate. The actual transaction FX rate shall prevail, and UnionPay International will apply the corresponding discount on the basis of the real-time transaction FX rate.

(9) Discount Transaction Records (the UnionPay App)

To view discount transaction details, prior to the transaction, please complete card number authorisation in the “FX Rate Discount” mini program in the UnionPay App (云闪付) under FX Rate Discount Records → Bill Details for the UnionPay card you plan to use. After successful authorisation and an eligible discounted purchase, you may check the discounted bill in Bill Details. Transaction bills may be displayed later than the transaction time; if not shown, please wait and check again later.

(10) Refunds and Returns

In the event of a refund or return, only the actual amount paid by the cardholder will be refunded. Any FX rate discount granted will not be refunded, and any utilised subsidy quota (including the RMB 200 per-card cap) will not be reinstated or restored as a result of such refund or return.

(11) Interaction with Other UnionPay FX Rate Discount Campaigns

If the same card is enrolled in other UnionPay FX rate discount campaigns, spending will be accumulated and tiered independently under each campaign. At the time of transaction, the cardholder will receive the best available discount rate among the eligible discount rates available under all campaigns for that currency. For any single transaction, the cardholder may enjoy only one UnionPay FX rate discount campaign; benefits cannot be stacked.

(12) Non-Stacking with Certain Other Offers

This Campaign discount cannot be used in conjunction with certain other offers (e.g. promotions explicitly stated as not combinable with other offers).

(13) Minimum Discount Amount

The minimum FX rate discount amount (if any) is RMB 0.01.

(14) Expiry

Upon expiry of the Campaign Period, any unused benefit shall automatically lapse.

(15) Non-transferability

The discount is non-transferable and cannot be exchanged for cash or products.

(16) Abuse and Fraud Prevention

If a cardholder uses or is suspected of using any violation of the rules or improper means to obtain UnionPay discounts or card benefits, UnionPay International reserves the right to take measures including but not limited to withholding discounts, cancelling the cardholder’s eligibility to participate in the current and/or future campaigns, and recovering any discounts already granted. If such improper conduct causes loss or adverse impact to UnionPay International, UnionPay International reserves the right to pursue compensation from the cardholder.

(17) Time Standard

All times referenced in these Terms and Conditions are Beijing Time.

4. Customer Support

For assistance, please contact 95516 or your local customer service hotline.

5. Organiser, Changes to Rules, and Data Transfer

This Campaign is organised by UnionPay International Co., Ltd. (“UnionPay International” or the “Organiser”). To the extent permitted by applicable laws and regulations, the Organiser may amend or adjust the Campaign rules based on actual operational circumstances. Any such amendments or adjustments will be published on the Campaign page and shall take effect in accordance with applicable laws. UnionPay International is a global enterprise. We may transfer your information to recipients located in countries/regions outside your country/region. The data protection laws and regulations in such countries/regions may differ from those in the country/region where you originally provided the information. Certain personal information may be provided by, or transferred to, our authorised partners in order to provide better services and user experience. Your personal information will only be shared for lawful and specific purposes and only to the extent necessary to provide the services. Where such transfers occur, we will protect your personal information in accordance with the privacy policy of the FX rate discount campaign.

6. Language

UnionPay International reserves the right to amend the Chinese and English versions of these Terms and Conditions. In the event of any discrepancy, the Simplified Chinese version shall prevail.

Promotion code:260127111640

Exception Clause:

1. The terms and conditions of the promotion is applicable to the merchant. Details can be consulted from customer service staff.
2. UnionPay International is neither vendors nor service providers, thus UnionPay International is not responsible for the products or services provided by the merchant. Any obligations and liabilities relating to such products or services and all auxiliary services shall be borne by the merchant.
3.The design, text, images and links contained in this page shall only be used, permitted by UnionPay International, for the purpose of promoting the corresponding activities of UnionPay International. After the end of the promotion, the link and other related content will be invalid. If used, please delete it immediately. Unionpay International shall not be liable for the consequences or damages incurred as a result of any failure to delete it in time or unreasonable use.