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

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  • UnionPay services since: The end of 2016
    Local service hotline: N/A
    In Croatia, merchants with UnionPay logo and ATMs of PBZ, EURONET can accept UnionPay cards.

    • Croatia – Pearl on the Mediterranean Sea
      Located in the southeast of Europe, Croatia is a King’s landing between ice and fire, where there are limpid seawater, stunning sunset above Adriatic Sea and Palace of Diocletian, listed as world heritage and characterized by numerous engineering and magnificence. In addition, the history of Croatian National Theatre dates back to 1868, whose performance level is great yet ticket affordable. Therefore, it is easy for the populace to come into contact with high art. Why not take your UnionPay cards (card number starting with 62) to explore the dazzling “Pearl on the Mediterranean Sea”.
    • POS acceptance
      In Croatia, Merchants with the signage of  all accept UnionPay cards. Because some of the merchants have yet to put up the UnionPay signage, cardholders can show their UnionPay cards and inquire the cashier of whether or not Unionpay cards are accepted.
    • POS acceptance
      In Croatia, Merchants with the signage of  all accept UnionPay cards. Because some of the merchants have yet to put up the UnionPay signage, cardholders can show their UnionPay cards and inquire the cashier of whether or not Unionpay cards are accepted.
    • Cash Withdrawal

      ATMs of PBZ, EURONET with  or the patterns logo pasted thereon or shown on screen can accept UnionPay cards for cash withdrawal.


      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 Croatia 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 Croatia: some ATMs will charge commission fee, which is charged by the local banks in Croatia 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.

      Never disclose your PIN to anyone who claims to represent the bank or the police.

      Be alert to your surroundings before conducting any banking transactions.

      Keep a close eye on your credit card during transaction to avoid any illegal activities.

      If your UnionPay card has been stolen/lost, please inform the issuer immediately.

    • More considerate services
      UnionPay Card Emergency Cash Assistance Service
      UnionPay cardholders can call the hotline of the issuer 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 and damage thus suffer malfunctioning cards.

    • Code Of Conduct
      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.