Currency conversion fee refers to the fees charged by international card organizations and issuing banks when consumers use dual-currency credit cards or single-currency foreign currency credit cards to spend foreign currency on international settlement lines as a reward for exchanging foreign currency.
When the cardholder of "UnionPay Standard Card" is in consumption abroad, UnionPay will make a one-time conversion (without intermediate currency transfer), and only carry out currency conversion at the prescribed exchange rate, without charging any currency conversion fee, which is also a big advantage of UnionPay card that is different from other international cards such as VISA.
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At present, UnionPay cardholders can not only withdraw money from as many as 368,000 ATMs in 45 countries and regions abroad, but also use UnionPay cards to directly swipe their cards from nearly 6.5438+0.5 million merchants and nearly 200,000 POS machines in 27 countries and regions abroad.
Currency conversion fee refers to the fees charged by international card organizations and issuing banks when consumers use dual-currency credit cards or single-currency foreign currency credit cards to spend foreign currency on international settlement lines as a reward for exchanging foreign currency.
At present, the currency conversion fee charged by card-issuing banks in China is between 1%-2%, and the common one is 1.5%.
At present, it is clear that the card organization that does not accept the payment is UnionPay. If international roaming is enabled, you can receive short messages instantly by swiping your card, and how much foreign currency you spend is equivalent to how much RMB you spend.
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It is convenient for those students who don't want to spend more time on saving money.
With more and more opportunities for friends around us to go abroad, many banks have simply introduced credit cards without transferring goods, such as the all-currency credit card of CITIC Bank and the all-currency card of China Merchants Bank.
These are all free of currency conversion fees, which is still worth doing for overseas large-scale card swipers. If the credit card amount is large, it will save 1- 1.5% of the goods.
It is recommended to pay by UnionPay card for overseas shopping; If you use bank cards of other card brands to pay, please verify whether there is a UnionPay logo on the card surface. If there is a UnionPay logo, it is recommended to ask the cashier whether it can be settled through the UnionPay channel. If it can be settled through UnionPay channel, you can also enjoy the discount of "no currency conversion fee".
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From 20 16 65438+ 10/day, the accumulated cash withdrawal from each UnionPay RMB card at home and abroad shall not exceed the equivalent of RMB 654.38 million.
During 20 15, 10, 1, 12, 3 1, the accumulated amount of each card shall not exceed RMB 50,000.
Due to the credit limit and other reasons, the issuing bank can set the limit separately. Please consult the issuing bank for details.
Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which shall be subject to the local machine prompt.