Destination Switching

In Germany, UnionPay cards are accepted at over 100,000 merchant and 60% of ATMs.


UnionPay services since      December, 2005

Local service hotline          0800-0007-224


POS acceptance

Merchants displaying the signage of  accept UnionPay cards. Merchants include Kaufhof, Karstadt, Bucherer, Christ, Douglas, Swarovski, LV, Hermes, and many more group buying stores and duty-free stores popular among tourists. 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 Germany, UnionPay cards can be accepted for withdrawing Euro at ATM of Sparkasse and BW Bank across Germany with the signage of ,,or. UnionPay chip cards are accepted at the ATM of Deutscher Sparkassen-und Giroverband.

Sparkasse ATM location inquiry page:

BW Bank ATM location inquiry page:

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