Destination Switching

In the UK, UnionPay cards are accepted at majority of ATMs as well as hotels and shopping malls frequently visit by tourists.

UnionPay services since     August, 2009
Local service hotline           00-800-800-95516

POS acceptance
Merchants with the signage of 
 all accept UnionPay cards, mainly are department stores, jewelry and clock stores, brand stores, hotels, duty free shops in major airports and most merchants in Bicester Village. 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
From 2009, UnionPay cards are accepted at all ATMs in UK through LINK network. UK regulations require the separation of VocaLink (UK payments infrastructure operator) from LINK Scheme( a UK processor). Since VocaLink is not qualified for acquiring business, UnionPay needs to work with different ATM operators in UK and sign agreements with them individually. UnionPay has already signed agreements with most of the operators and we are doing our best to restore access to the full network of UK ATMs. Meanwhile, from 3 a.m. March 30, 2016 China Standard Time (8 p.m. March 29 in UK), some ATMs in UK may temporarily experience interruption for UnionPay card service. Cardholders could use other ATMs nearby or make payments directly with UnionPay cards. With more and more ATM operators confirmed to join, the number of affected ATMs will decrease correspondingly.

ATMs with the following signages on the machine or the screen accept UnionPay cards for cash withdrawal, and some ATMs provide the interface in Chinese. Balance inquiry is not available at present. ATM location inquiry websites:
<>. (Note: In the UK, ATMs of HSBC only accept UnionPay cards issued by HSBC.)

(Note: No inquiry service temporarily)
(Note: No inquiry service temporarily)

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