Summary of frequently asked questions about overseas use of credit cards

1. What if I don't know the local language?

Many tourists to non-English-speaking countries are worried that they will not be able to use ATM machines abroad because of language barriers.

Solution: Use ATM with UnionPay logo.

Under normal circumstances, after you insert the UnionPay card, the pop-up interface is directly a Chinese interface. You just need to enter them in sequence. At the same time, if you encounter characters that need keyboard input, there will be a comparison between local characters and Chinese on the interface, and you can directly compare the input.

2.ATM inquiry may be charged.

Some banks stipulate that 1 time can be withdrawn from bank cards for free every day outside China. However, if you make an inquiry at an overseas ATM and withdraw money again, it will be regarded as twice, and then the second withdrawal will be charged a handling fee.

Method 1: Remember the number of free withdrawals every day.

Before you travel, you must ask the bank about all kinds of fees for overseas cards, especially the number of free withdrawals on that day, and also ask whether the number of inquiries from overseas ATMs is included in the number of free withdrawals.

Method 2: Open SMS notification service.

I suggest you open SMS notification service before going abroad. Once the withdrawal occurs, the bank will inform the withdrawal amount and the remaining amount by SMS. These two figures can help us know the exchange rate of withdrawals on the same day. On the other hand, we can also know our account balance.

Method 3: Online banking monitoring

If you can't use the domestic mobile phone number in the country you are going to, you can also check the number of withdrawals, the balance of the day and other information through online banking to keep abreast of the account dynamics.

3. The bank to which the 3.ATM belongs can charge.

In order to make up for its operating costs, overseas ATM affiliates will charge their customers corresponding fees without violating local laws and regulatory control, which will be automatically added to the total withdrawal amount and sent to the domestic UnionPay card-issuing banks through China UnionPay.

Solution: change banks to do business.

When withdrawing money from overseas ATMs, the ATM interface should clearly show whether the institution to which the ATM belongs charges extra fees. If you don't want to pay, you can choose ATM machines of other local banking institutions to withdraw money. If ATM doesn't have Chinese, you should be able to read English or other tadpoles.

4.ATM cash is emptied.

Many overseas flights arrive in the local area at midnight, and sometimes the ATM machine has been emptied of cash that day and has not yet started to exchange money.

Solution: Bring some dollars or euros with you.

Although it is safe and convenient to withdraw cash overseas now, in order to avoid the embarrassing situation of having a card and no money, it is recommended that friends bring some dollars or euros at home in case of emergency.

5. ATM can't find change.

For currencies that cannot be exchanged in China, what everyone is most worried about at the airport is that it will be more troublesome if all ATMs take out large bills to exchange them.

Methods: Call UnionPay in advance to inquire.

This problem was well solved when UnionPay made overseas withdrawals. Even if the upper limit of the single withdrawal amount is selected, the money withdrawn from the ATM will be of different denominations. Take Turkey as an example. The maximum amount of a single withdrawal on that day is 1 1,000 lira. The 1000 lira taken out by the ATM machine includes both whole notes of 1000 lira and small notes with 5 yuan face value. However, because UnionPay is different from the cooperative banks in other countries, it is recommended that you call UnionPay to inquire about the face value of local cash withdrawals in detail before departure.

6. There are differences in withdrawal limits.

Generally, ATMs with UnionPay logo in foreign countries will display the withdrawal limit of the day in Chinese. This figure refers to the amount of local currency, not the amount of RMB.

Methods: Cash withdrawal according to the upper limit standard.

Due to the limited number of bank cards free of charge every day in China, it is recommended that small partners get the upper limit of the allowed withdrawal amount when withdrawing money. In addition, the ATMs of UnionPay in local cooperative banks are generally universal. Even if you don't have the UnionPay logo, you may wish to try to insert the card, and perhaps you can withdraw cash.