Destination Switching

In Puerto Rico, airports, tourist attractions, shopping malls and supermarkets as well as most ATMs accept UnionPay cards.

UnionPay services since October, 2012
Local service hotline N/A

POS acceptance

Merchants displaying the signage of  accept UnionPay cards. Since that some of the merchants have yet to put up the UnionPay signage, cardholders may show their UnionPay cards upon the till and inquire about UnionPay acceptance.

Since co-branded cards are not accepted in Puerto Rico currently, cardholders are recommended to use UnionPay credit cards, so as to be benefited from the special offers and services provided by UnionPay. Cardholders must cancel the password of their credit cards before they travel to Puerto Rico.

Cash Withdrawal

All ATMs with   signage and most ATMs with  signage accept UnionPay cards for cash withdrawal.
Please refer to the latest government policy on overseas cash withdrawal via UnionPay cards at "Service Center - Overseas Card-using Service - Card-using Notice". Daily cash withdrawal limit from respective issuers and/or ATM may apply. Please consult your issuer on the possible cap on the amount. You may split your withdrawals into several times which comply with the limit(s).


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

ATM commission fee 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 Puerto Rico: some ATMs will charge commission fee, which is charged by the local banks in Puerto Rico and which has nothing to do with UnionPay or the issuer.

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

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.