Different from domestic consumption, foreign consumption needs currency conversion if the local settlement currency is not USD and RMB. If you swipe your card through VISA, Master and other foreign cards, the local foreign currency you consume will be converted into US dollars, and a conversion fee of 1% ~ 2% will be charged at the same time. If UnionPay cards are used, local foreign currency can be directly converted into RMB, and there is no exchange fee. It's better to use UnionPay card for dual-currency card to travel abroad, which can save 1% ~ 2% of the total consumption.

In this way, it is best to use UnionPay network to swipe your card when spending abroad. At present, the network has spread all over five continents, and most overseas popular tourist countries and regions have opened UnionPay card acceptance business. ATM machines in some countries and regions have also realized the cash withdrawal function of UnionPay cards, which can solve the urgent needs.

Of course, UnionPay card has incomparable advantages over other cards in exchange rate and cost saving. VISA and Master international cards are far more convenient to use in some countries and regions than UnionPay cards, and bank business hall cards with these two cards can be used in more than 80% countries and regions around the world. In addition, although the charges for foreign cards are relatively high, services such as emergency assistance, merchant discounts and network help are better than UnionPay cards. These two international cards can also be used under special circumstances or when there are more discounts.

Overseas travel should distinguish between occasions and try to use UnionPay cards to save money; Otherwise, you can only swipe your VISA or Master card, and sometimes you can get extra discounts or preferential conditions.