Can I withdraw money from a bank card in China at an ATM in Thailand?

Bank cards in China can be withdrawn from ATMs in Thailand. Please refer to the following information.

1. Almost all bank cards with UnionPay logo that are used daily in China can be used in Thailand, and there is no need to apply for a new card. In Thailand, UnionPay cards can be used in tens of thousands of shopping malls and specialty stores frequented by many tourists, and about 96% ATMs can withdraw cash. Most ATMs can provide a convenient Chinese interface.

2. You don't need to pay the currency conversion fee of 1%-2% when using UnionPay cards abroad or spending or withdrawing money through UnionPay network. The local currency amount will be directly converted into RMB amount according to the market exchange rate, and the card-issuing bank will immediately enter the cardholder's RMB account. Debit card ATM withdrawal, the handling fee is relatively low.

3. Scope of use

Where there is a UnionPay logo,

All merchants can accept UnionPay cards. A small number of merchants may not post the "UnionPay" logo. Cardholders can take the initiative to show UnionPay cards and ask cashiers whether they can use them.

At present, nearly 80% merchants in Thailand can accept UnionPay cards, mainly including large department stores, duty-free shops in airports and urban areas, restaurants and tourist group buying shops, such as Central Shangtai Department Store, Siam Paragon Siam Model Shopping Mall, King Power Duty Free Shop, Emporium and Robinson Robin Hill Shopping Mall.

About 96% ATMs in Thailand can support UnionPay cards to withdraw Thai baht. Including Kasikorn Bank, Bangkok Bank, Thai Military Bank (TMB), Thanachart Bank, uob, Krung Thai Bank, etc. 1 1 local banks, * * * 50,000 ATMs, including Siam Commercial Bank, Government Savings Bank, CIMB, Gulf Bank and LH Bank.

All major airports, railway stations, long-distance bus stations, 7-1/convenience stores, shopping malls and tourist attractions in Thailand have ATMs of the above banks to provide you with 24-hour withdrawal services, regardless of whether there is a UnionPay logo on them. In addition, all ATMs deployed at Suvarnabhumi International Airport and Phuket International Airport in Thailand can accept UnionPay cards.

4. Accept the card type

UnionPay credit card (card number starts with 62).

Debit cards with UnionPay logo only include salary cards, savings cards and wealth management cards.

Tips:

If you use a dual identification card, it is suggested that the cardholder take the initiative to ask the cashier to choose the UnionPay network to ensure that they can enjoy the benefits of the UnionPay network. As credit cards have a certain consumption limit, it is recommended to use UnionPay debit card for large consumption, and debit card consumption is only limited by account balance.

Special reminder:

For self-protection, the consumption ceiling set by the cardholder or the issuing bank may affect the consumption ceiling. Please contact the issuing bank for settlement.

Identify unionpay card ATM

Any ATM with the following bank logo can use UnionPay card to withdraw money.

5. Withdrawal limit

For overseas use of UnionPay cards to withdraw money from ATMs, according to the regulations of the national competent authorities, the daily cumulative withdrawal of UnionPay debit cards with a single card shall not exceed RMB 6,543,800+0,000. Please refer to the exchange rate of the issuing bank on that day. Some domestic card-issuing banks may have restrictions on the amount of each withdrawal. Please consult the issuing bank for details. Some ATMs have set a single withdrawal limit, in which case you can withdraw money by stages, as long as the accumulated amount does not exceed the daily limit.

6. Withdrawal fee

Compared with other bank card networks, UnionPay network is free of currency conversion fees ranging from 1% to 2%, and the extracted foreign currency will be directly converted into RMB amount according to the market exchange rate, which will be credited to the cardholder's RMB account in time by the issuing bank.

Thailand uses ATM to withdraw money, and the handling fee consists of two parts, including the handling fee of the issuing bank and the service fee of the ATM accepting institution in Thailand.

(1) Issuer's handling fee: Please consult the Issuer for the specific rate, the daily withdrawal times of a single card, the amount of each withdrawal and the accumulated withdrawal amount.

(2) Service fee of ATM accepting institutions in Thailand: Many ATMs will charge ATM service fees, so please pay attention to the ATM charging tips when withdrawing money.

At present, the local ATM accepting bank of UnionPay cards in Thailand will charge cash transaction fees for UnionPay cards issued outside Thailand. The charging standard is to directly deduct 50 baht (about RMB 10 yuan) from the cardholder for each ATM withdrawal transaction. ?

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system will make "a society without checks and cash" a reality.

References:

Bank card-Baidu encyclopedia