Destination Switching

In Japan, UnionPay cards are accepted at less than 500,000 merchants and 80,000 ATMs, and many of the ATMs provide the interface in Chinese. Part of the POS, ATM can not accept UnionPay pure chip card.

UnionPay services since December, 2005
Local service hotline 0034-800-800287

POS acceptance

Merchants with the signage of  all accept UnionPay cards, covering lodging, transportation, catering and entertainment merchants in Tokyo, Osaka and other major cities. 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.

When using co-branded cards, you are advised to choose UnionPay as the routing option to be benefited from the special offers and services provided by UnionPay.

Paying with UnionPay credit card at some local merchants requires no PIN. Cardholders can complete the payment following the instruction of the cashier. You can also refer to relative service guide at “
Service Center-Overseas Card-using Service- Service Guide for Overseas Using of UnionPay Credit Card without PIN”.

Cash withdrawal
In Japan, cardholders can use UnionPay cards to withdraw Japanese Yen at ATMs of Japan Post Bank, BTMU (formerly known as UFJ Bank), SEVEN Bank, Sumitomo Mitsui Bank, AEON Credit Service, and Mizuho Bank, as well as the ATMs in 7-Eleven, Rawson and Family Mart convenient stores. There are the signage of  on these ATMs or the ATM screen, and the ATMs provide the interface in Chinese.

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).

Some banks in Japan set a cap on single ATM cash withdrawal, which is applicable to all bankcard brands including UnionPay. Please refer to the prompts on the ATM screen for the specific amount.


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