Can UnionPay debit cards be used for overseas travel?

UnionPay cards can be used in 160 countries and regions around the world, covering most popular travel destinations. These coverages are not limited to scenic spots and department stores. More and more daily merchants such as supermarkets, restaurants, public transportation, etc. can also use UnionPay cards for consumption, and in-depth travel is no problem at all. :

UnionPay is an international card organization. If you see a bank card with a card number starting with 62 and a "UnionPay" logo on the card surface, it is a UnionPay card.

Each UnionPay card is issued by a different card company. Which card you swipe determines which card company's clearing system you use.

1. UnionPay card products

(1) Debit card: no overdraft function, consumption is through account funds.

(2) Credit card: The bank or card company issues the card to the cardholder based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases, and repayment will be made on the bill date.

Credit cards have a 7-digit number printed on the back, but debit cards generally do not.

2. When traveling abroad, what card should I bring?

1. Overseas cash withdrawals: Debit card withdrawals only need to pay handling fees, while overseas credit card withdrawals need to pay interest on cash advances in addition to handling fees. Therefore, it is recommended to use a debit card for overseas withdrawals.

Please note that the daily cumulative withdrawals from a single debit card shall not exceed the equivalent of RMB 10,000 in foreign currencies. If the demand for cash is large, it is recommended to bring several more UnionPay debit cards.

2. Overseas consumption: You can overdraft and enjoy a certain interest-free period when using credit cards overseas. In addition, a large number of bank discounts and cashback activities are mostly for credit cards. In addition, some merchants in some markets only use credit cards to make purchases. Credit cards can be used, but debit cards cannot be used. Therefore, it is recommended to give priority to credit cards when swiping cards overseas.

What is the correct way to use a card overseas?

3. When swiping a card, do I need to enter a password?

A. The first situation: Required domestically, not required overseas

In China, you need to enter a password to swipe a credit card. Why is it possible to swipe a credit card at some overseas merchants without a password? Is it safe?

Password-free transactions are a payment habit in some countries, such as the United States, South Korea, Japan, etc. When going to these countries to make purchases, even if you have a credit card with a password, you do not need to enter the password, but sign to confirm the purchase.

UnionPay cards issued by most domestic national and regional banks support PIN verification (the 15 largest domestic banks). If you hold a UnionPay card issued by these banks, you don’t need to do anything before going to a country with password-free transactions.

If cardholders of other banks need to use password-free payment in these countries and regions, they can contact the card issuer to cancel the transaction password before departure so that they can be used at overseas password-free merchants.

B. The second situation: Not needed domestically, but needed overseas

On the contrary, when using a UnionPay credit card without a password in some overseas areas, due to local industry regulatory requirements or system function restrictions, etc. The cardholder will be asked to enter any 4 or 6-digit number, and sometimes the cashier will directly tell the cardholder to enter 6 "0"s.

So, in general, if you take a UnionPay credit card overseas, it is best for you to:

1. Call the card issuing bank to ensure that your card supports PIN-free;

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2. There is no need to consider whether to enter the password. Just trust the cashier's guidance and just swipe your card boldly.

3. What should you do if you plan to spend a large amount of money?

If you plan to make large purchases overseas and are worried that your credit card limit is not enough, the cardholder can apply to the bank in advance to adjust the temporary limit. It is recommended to travel with 2 to 3 credit cards from different card issuers, so as to solve the limit problem and also serve as backups for each other.

Different from domestic travel, cardholders only need to bring the bank cards they use daily. In order to make overseas travel consumption more cost-effective, it is often necessary to prepare at least 3 to 4 bank cards, that is, one bank card in all currencies. Credit card, a UnionPay credit card, a debit card for easy cash withdrawal...