UnionPay ATM network has extended to many countries and regions frequently visited by the Chinese, including Hong Kong China, Macau China, Japan, Korea, Singapore, Malaysia, Thailand, Australia, New Zealand, USA, France, Germany, Britain, Switzerland, etc.. You can withdraw local currency from overseas ATMs that accept UnionPay cards (balance inquiry is available in some regions, which is shown in local currency). The amount in local currency withdrawn will be directly converted into RMB based on the market exchange rate, and debited from your RMB account by the issuing bank accordingly.

Countries and regions where cash withdrawal by UnionPay cards are available

ATMs that accept UnionPay cards are mainly located in the following countries and regions:

Asia: Hong Kong, China, Macau, China, Taiwan, China, Japan, Korea, Singapore, Malaysia, Thailand, The Philippines, Vietnam, Cambodia, Kazakhstan, Mongolia, Indonesia, Bahrain, Brunei, Maldives, Pakistan, SriLanka, Bengal, UAE, Afghanistan, Jordan, Lebanon, Yemen, Iraq, etc.

Europe: France, Germany, Britain, Italy, Spain, Portugal, Luxembourg, Belgium, Switzerland, Austria, Turkey, Russia, Monaco, San Marino, Greece, Hungary, Poland, Guernsey, Jersey, Isle of Man, Gibraltar, etc.

Oceania: Australia , New Zealand , Guam, Saipan, etc.

America : USA , Canada , Mexico , Brazil , Venezuela , Argentina , Columbia, Uruguay , French Martinique, etc.

Africa: South Africa, Egypt, Djibouti, Congo (K), Kenya, Uganda, Botswana, Zambia, Mauritius, Gambia, Ghana,  Mali, Benin, Senegal, Niger, Togo, Cote d’ivoire, etc.

Search of Overseas ATMs That Accept UnionPay Cards
Please click:ATM Query
How to Identify ATMs that Accept UnionPay Cards?

All ATMs with UnionPay logo  accept UnionPay cards. Due to the practice of some countries, UnionPay logo may only be shown on the screens of ATMs, which requires cardholders’ particular attention. Some ATMs may not have put up the UnionPay logo, you can judge from the logos of cooperative institutions on ATMs. Cardholders can inquire the logos of local banks in the corresponding country at “Global UnionPay Card”.

Bankcards accepted by ATMs in the UnionPay overseas network
Bankcards with the UnionPay logo   or  issued by all financial institutions (including wage cards, savings cards, financial management cards and credit cards).

Note: Dual logo cards cannot be used to withdraw cash via UnionPay network from some ATMs in some counties.

ATM Operation and Cash Withdrawal Limits

Convenient Chinese interface can be found with ATMs accepting UnionPay cards in the following countries and regions:

Hong Kong China, Macau China, Japan (some ATMs), Korea , Singapore , Malaysia , Thailand , Russia , Kazakhstan , Vietnam , Cambodia , Turkey , USA , France (some ATMs), etc.; Citibank ATMs (in some countries) and etc.

ATM cash withdrawal procedure in some countries and regions is different from the domestic procedure.The card will be returned before cash is given. Please pay attention to this.

According to the requirements of the State Administration of Foreign Exchange, a cap on annual cash withdrawal overseas (including Hong Kong, Macao and Taiwan, the same applies hereinafter) is newly imposed for UnionPay RMB cards issued in mainland China, in addition to the currently cap requirement of ten thousand RMB equivalent on cash withdrawal per card per day. From January 1st 2016 onwards, cumulative annual cash withdrawal overseas for each mainland China-issued UnionPay RMB card shall not exceed the equivalent of one hundred thousand RMB. 

The issuing banks may set limits individually for credit cards due to credit limits and other reasons. The cardholders may consult with the issuing banks for details. Besides, countries and regions overseas may have different caps on ATM cash withdrawal per transaction and the applicable cap is subject to the prompts on local ATM machines. 

ATM Cash Withdrawal and Inquiry Charges

Please consult issuing banks for the commission fee for cash withdrawal and inquiry via UnionPay cards.
Note: Cardholders are recommended to use the UnionPay debit card for overseas cash withdrawal since overdraft interest will apply when using a credit card. 

ATM Surcharge

In addition to the cash withdrawal or inquiry commission fees, some ATM acquirers in some countries will also impose additional surcharge. Please refer to the local ATM screen prompt or consult 95516 for more detail on ATM Surcharge.

Advantages of paying or withdrawing cash by UnionPay card through UnionPay network while abroad:

-Avoid carrying about large amounts of cash and ensure personal and financial security.

- PIN-based authentication makes transactions and accounts more secure.


- No currency conversion fee.

 -Withdraw foreign currency and deduct from the RMB account to avoid multiple exchange losses.

 -Low commission fee is charged for ATM cash withdrawal. 

-RMB settlement without the need to purchase foreign exchange for repayment

-No need to apply for a new card. Almost all daily used domestic bankcards with UnionPay logo can be accepted overseas.

-Provide hotline service in Chinese, and convenient Chinese interface in ATMs of some countries.