unionpay

UnionPay cards can be smoothly used at 174 countries and regions worldwide.

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America Europe Asia Africa Oceania
  • China UnionPay
  • Global sea purchase
  • Exchange rate inquiry
  • ATM Query
  • u•plan
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  • In 2015, the Interchange Fee Regulation (EU/2015/751) (“IFR”) came into force in EU, requiring a separation between card schemes and processing entities in terms of accounting, organization and decision-making processes. Such IFR applies to card-based payment transactions carried out within EU, where both the payer's payment service provider and the payee's payment service provider are located therein.

    UnionPay therefore comes up with this code of conduct to help UnionPay staff understand the requirements of the IFR and provide guidance for such staff to be fully compliant as it relates to such aforementioned transactions only.

    This Code of Conduct will take effect on February 7, 2018. If there are questions or concerns about this Code of Conduct, please feel free to contact UnionPay Legal and Compliance Section at Legalteam@unionpayintl.com.

    For more information about it, please check here.
    • introduction
      UnionPay Services since May 2006
      Local Service Hotline: 00-800-800-95516

      All brand stores, department stores, gift stores, restaurants and hotels in Hungary frequently visited by tourists can accept UnionPay cards for payment. In addition, all ATMs of OTP and Citibank can use UnionPay cards for cash withdrawal.
    • Hungary——Pearl along the Danube
      Hungary is equipped with both heroic epic and pure fairy tale, both beautiful scenery of “Golden Sun” and bewildering historical disputes, both “Sangre de Toro” and Liszt. The beauty of Pace is highlighted by the stalwart of Buda, while the ripples of the Danube are used to play the waltz of Hungary. Yes, it is Hungary. Why not take your UnionPay card (card number starting with 62) to appreciate the bright pearl along the Danube.
    • POS Acceptance
      In Hungary, merchants with the signage of  all accept UnionPay cards, including world-renowned brand stores, department stores, gift stores, as well as restaurants and hotels distributed nationwide. Since that some of the merchants have yet to put up the UnionPay signage, cardholders may show their UnionPay cards and inquire the cashier whether or not UnionPay cards are accepted.

      When using co-branded cards, you are advised to choose UnionPay network for payment so as to enjoy special offers and services provided by UnionPay.

      Note:Some UnionPay card acceptors or acquirers route co-branded cards  to corresponding card shcem according to the card BIN, which means co-branded cards transactions aren't routed to UnionPay without selection by cardholders and merchant cashiers. Please refer to the transaction results for the information about transaction routing.

      Some of the merchants adopt the transaction mode having validation of password exempted for UnionPay credit cards, where cardholders can complete payment as guided by cashiers. In addition, it’s available to refer to the “Help Center - Card-using Instructions –Service Guide for Overseas Using of UnionPay Credit Card without PIN” for relevant service guide.

    • Cash Withdrawal
      In Hungary, ATMs of OTP or Euronet with   pasted thereon or shown on screen can accept UnionPay cards for cash withdrawal. Some ATMs are equipped with the Chinese operation screen.

      See “Help Center – Card-using Instruction – Refined Card-using Tips” for relevant provisions issued by competent national authorities when withdrawing cash at overseas. Some domestic issuers set limitation on the amount of cash withdrawal. You are reminded to consult each issuer for specific information. Besides, some ATMs set the upper limit of single cash withdrawal, you may split your withdrawals into several times which comply with the limit(s).

    • Charges
      No conversion fee is applied to payments or cash withdrawal made by UnionPay cards or via UnionPay network at overseas. The transaction value in local currency will be directly converted to RMB based on the market exchange rate.

      ATM commission fee in Hungary consists of two separate fees:
      (1) Service fee charged by the issuer: please consult your issuer for details.
      (2) Service fee charged by the ATM acquirer in Hungary: some ATMs will charge commission fee, which is charged by the local banks in Hungary and which has nothing to do with UnionPay or the issuer.

      Cash withdrawal via debit card results in a lower commission fee.

    • Tips
      Select PINs that cannot be easily guessed by anyone, and never disclose your PIN to anyone with bank staff inclusive.
      Be alert to your surroundings when inputting password in public places.
      Keep a close eye on your bank card during transaction to avoid any illegal activities.
      Instantly call the issuer to report the loss of your bank card so as to ensure fund security therein.

    • Introduction of Overseas Tax Refund
          UnionPay has launched the UnionPay card (card number starting with 62) overseas tax refund service in cooperation with Global Blue 、Premier Tax Free 、Tax Free Worldwide and GB Tax Free that are the world’s largest tax refund institutions. Such service covers 38 countries and regions. Furthermore, in addition to Global Blue, UnionPay has cooperated with local tax refund institutions in South Korea such as KTIS, Global Tax Free and Easy Tax Refund, all of which may refund taxes directly to UnionPay card accounts. You can apply for tax refunds when shopping in oversea stores only if they are labeled the following logos of tax refund cooperative institutions.
          Global tax refund institutions:   
          If you are using the Premier tax refund service, you can check the Premier global refund points and tax refund progress on Premier Tax Refund Inquiry.
    • More considerate services offered by UnionPay Card
      UnionPay Card Emergency Cash Assistance Service
      UnionPay cardholders can call the hotline of the issuing bank or local UnionPay hotline to apply for an emergency cash assistance capped at the equivalent of USD 5,000 if they are experiencing emergencies like lost or malfunctioning cards.