If you use MasterCard channel to swipe your card, you don't need a password. The amount charged is the currency of the country you want to spend. If you swipe your card in the UK, you will be prompted how much you owe. If consumers can only settle accounts through overseas card organizations such as MasterCard, they often need to pay exchange rate conversion fees and settle accounts in the currency of the currency card. At present, ICBC charges 1. 1% according to the consumption amount.

If you use the UnionPay channel to swipe your card, you need to enter your password, and there is no handling fee. The bank will use the bank's selling price of sterling as the settlement amount on the day of shopping, and will prompt that the amount owed is RMB.

If the credit card deposits foreign currency in advance, MasterCard consumption will be deducted from the deposit first, but UnionPay cards are settled in RMB, and it is useless to have foreign currency, otherwise the credit line will be overdrawn.