This depends on the situation. Australia has already opened UnionPay business. If you use the UnionPay channel when you swipe your card, then the amount has been converted into RMB according to the exchange rate of the day when you swipe your card, and it is calculated in your RMB account, and there is no additional fee for your repayment.
If it is another channel and the amount swiped appears in the foreign currency account, then the repayment must be made by purchasing foreign exchange first and then repaying. In this case, the amount must be converted into RMB according to the exchange rate on the day of repayment. It is in foreign currency, and then the original consumption amount is deducted to complete the repayment, which requires a handling fee.
1. Special services of Bank of China visa debit card
1. The debit card uses a chip and a 4-digit personal password;
2. No need to open the card There is an annual fee for any handling fee
3. Password modification and unlocking operations can be performed at designated ATMs in the UK (RBS and NatWest ATMs). Debit card loss reports are provided 24 hours a day by the Royal Bank of Scotland (RBS) Uninterrupted service;
·4. When the debit card expires, it will be replaced with a new card free of charge.
2. Enjoy services with Bank of China visa debit card
1. Withdrawal within the UK and worldwide: Withdrawals can be made for free at 97 ATMs in the UK with no handling fee and a daily limit of 200 pounds; withdraw cash in your local currency at over 1 million cash machines worldwide.
2. Payment within the UK and globally: Bank of China’s debit card is applicable to many merchants with the VISA logo around the world. Most schools in the UK accept Bank of China (UK) Limited Great Wall Debit Card for payment of tuition fees and related fees.
3. Cashback: When you use the Bank of China visa debit card to pay at multiple merchants in the UK, you can enjoy a cashback service of up to 50 pounds without paying any handling fees.
4. Online shopping/phone shopping: You can use the Bank of China visa debit card for online shopping or phone shopping at any time. Bank of China also provides you with security password protection for online shopping.
3. Applicable customers and application conditions for Bank of China visa debit card
Personal settlement account holders of Bank of China (UK) Limited. Applicants for debit cards must be individuals over 18 years of age.
4. Bank of China visa debit card application process
1. Please download, completely fill in and sign the "Personal Account Opening Application Form", and select the debit in the "Application Form" Card application options. You can also obtain this form from the Bank of China (UK) Limited branch.
2. Please bring the "Application Form" and other application materials to any Bank of China (UK) Limited branch to go through the account opening procedures.
IV. Safety common sense when using bank cards 1. Bank cards also have a "shelf life": treating your bank card well will help extend its "life". It is best to keep bank cards in a hard leather wallet, not too close to the magnetic clasp; to prevent sharp objects from abrading, scratching, or twisting the magnetic strip; do not store them close together, and do not place them back to back to avoid the magnetic strips from rubbing against each other. Do not place the card within the range that can be affected by highly magnetic appliances such as microwave ovens and refrigerators, and try not to place it with magnetic items such as mobile phones, computers, and PDAs to avoid degaussing and "deterioration": 2. Keep bank cards safely : Please store bank cards and ID cards separately. In some public places where you need to store your coat, do not put the wallet containing the bank card in the coat pocket, nor put it in the car or locker. Do not lend it to others, do not show it off everywhere, and do not reveal your bank card number and password at will. Remember to copy the card number and the post office’s customer service phone number separately and keep them in a safe place.