When our UnionPay card handles UnionPay ATM cash withdrawal business overseas, the normal overseas cash withdrawal fee charged by our bank to customers (0.5% of the transaction amount, charged in RMB, with a minimum of 10 yuan per transaction, without discount), when some ATMs in some countries (such as Japan and the United States) withdraw money, the local accepting institution may charge the cardholder additional fees in addition to the normal overseas cash withdrawal fee charged by our bank to customers. POS credit card consumption is free.
When using international debit cards overseas, there are two situations:
1. Take the route of international organizations. The transaction currency is the local currency where the transaction takes place, and the settlement currency is US dollars.
2. With the UnionPay system, the transaction currency is also the local currency of the transaction place, and the settlement currency is RMB.
When withdrawing money from overseas through the ATM of UnionPay system, the minimum handling fee of RMB 10 yuan is charged according to the transaction amount (in some countries (such as Japan and the United States), the local accepting institution may charge the cardholder an additional handling fee).
If you take the route of international organizations, it is 1% of the transaction volume, with a minimum of $2 and a maximum of 100. When an international debit card is used for POS card swiping or ATM cash withdrawal in a non-US dollar area, a foreign currency exchange fee (about 65,438+0.5% of the transaction amount according to the relevant regulations of international organizations) will be charged when taking the route of international organizations.
The overseas withdrawal limit of credit card is set according to your card usage, which is included in the credit limit of credit card. Generally, the total withdrawal amount does not exceed 50% of your credit limit (young cards can be advanced 100%). For details, please call the credit card 24-hour customer service hotline. In addition, according to the relevant regulations of the People's Bank of China, the daily cash advance for each card in China does not exceed RMB 2,000; The daily cash advance of each overseas family shall not exceed the equivalent amount of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: RMB in China is calculated as per cash advance 1%, and the minimum cash advance charge is 10 yuan; overseas (including Hong Kong, Macao and Taiwan) is calculated as per 3% of cash advance, and the minimum cash advance charge is 30 yuan or USD 3; Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.
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