If China Merchants Bank savings card and UnionPay card are used overseas, they can only be used on machines with UnionPay logo. When UnionPay cards are in consumption abroad, the transaction currency is the local currency where the transaction takes place, and the settlement currency is RMB. Please ensure that UnionPay's overseas ATM withdrawal function or UnionPay's overseas POS consumption function has been activated; At the same time, please make sure that there is enough RMB balance in your account. The opening method of UnionPay's overseas ATM withdrawal function or UnionPay's overseas POS consumption function: Please log in to the professional edition and open it in "Account Management -ATM and POS Limits"; Or please bring your ID card and one-card to the counter.

The overseas use of international debit cards can be divided into overseas ATM transactions and overseas POS transactions, and the currency of overseas transactions is the local currency of the transaction place.

When you use it on an ATM or POS machine with UnionPay logo and VISA or MasterCard logo overseas, your account usage will be determined according to the priority network of the local acquiring institution.

Take the "UnionPay system" as an example, the clearing currency is RMB; If "VISA" or "MasterCard" system is adopted, the settlement currency is USD;

When using "VISA/MasterCard", three main current accounts are used in the following order: first, the US dollar cash account is used; If the balance of the US dollar cash account is insufficient, the US dollar cash account is called; If the balance of the US dollar cash account is still insufficient, then call the RMB current account; The premise of using RMB current main account funds is that you have enabled the function of RMB entrusted foreign exchange purchase.

UnionPay ATM withdrawal: 5‰ of the withdrawal amount, with a minimum of 10 yuan.

VISA/MasterCard ATM withdrawal: 1% of the withdrawal amount, with a minimum of $2 and a maximum of 100; The international trade fair in the non-US dollar area will generate an exchange fee of 1.5%.

At present, China Merchants Bank has two basic credit card lines: UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend in any foreign currency in the world, and there is no currency exchange fee. The function of purchasing foreign exchange will be automatically activated, and foreign currency consumption will be repaid with RMB. )