Destination Switching

In Macao China, UnionPay cards are accepted at almost all merchants and ATMs.
UnionPay services since      September, 2004
Local service hotline            0800-801
POS acceptance
Merchants with the signage of all 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.
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.
Cash withdrawal
In Macao, UnionPay cards are accepted at almost all ATMs for withdrawing Macao and HK dollars. There are the signage of on these ATMs or the ATM screen, and all provide the interface in Chinese.
According to the latest regulations laid down by Macau Monetary Authority, since Dec. 9th, 2016, a single ATM cash withdrawal in Macau with UnionPay cards issued from mainland China is capped at 5,000 MOP/HKD. The banks may set different limits not exceeding this cap. Please follow the tips when withdrawing cash.

Meanwhile, the regulations issued by mainland authorities apply to overseas cash withdrawal: overseas cash withdrawal with UnionPay cards issued from mainland China is capped at 10,000 RMB equivalent per card per day, and the cumulative annual cap is the equivalent of 100,000 RMB per card. UnionPay International will continue to provide safe cross-border payment services while complying with the regulations and laws issued by relevant authorities.


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 Macao: some ATMs will charge commission fee, which is charged by the local banks in Macao 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.
For more card-using discounts and privileges in Hong Kong and Macao: