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银联卡取现

How to withdraw cash with a China UnionPay card in the UK?

 

In the UK, it is possible to withdraw cash using a China UnionPay card, but there are fees involved. The fees for cash withdrawals with a debit card are relatively low, and they are primarily charged by local banks in the UK. The cash withdrawn will be exchanged into British pounds at real-time exchange rates based on Beijing time, which is generally more cost-effective. Ten Shengmiao reminds you not to use a credit card for cash withdrawals as the fees are higher and additional interest may be charged. It is better to use a credit card for direct purchases.

 

In 2009, China UnionPay collaborated with the UK ATM interconnection network LINK, enabling comprehensive acceptance of China UnionPay cards at local ATMs in the UK. Almost all ATMs in the UK with the LINK logo accept China UnionPay cards, with over 40% of the ATMs in the UK displaying the China UnionPay logo.

 

I have personally withdrawn cash using a China UnionPay card at ATMs with the LINK logo in the Coventry area of the UK. However, there are withdrawal limits, so it is recommended to check the limit on your bank card. Generally, the daily withdrawal limit is equivalent to 10,000 RMB in cash pounds. However, some ATMs may have limits of 500 pounds or 300 pounds, depending on the specific circumstances.

 

Below is the location information for ATMs with the LINK logo. Find the one nearest to you.

Link ATM：https://www.link.co.uk/consumers/locator/

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In the entire UK, over 40% of ATMs accept China UnionPay cards for direct cash withdrawals in British pounds. This includes Barclays, Travelex, MoneyCorp, and more.

 

Below is the specific information about ATMs where cash can be withdrawn and ATMs that accept China UnionPay cards for cash withdrawals. You can check the nearest cash withdrawal ATM for different banks.：

http://ask.barclays.co.uk/branchfinder/

https://www.travelex.co.uk/stores/

https://www.moneycorp.com/uk/travel-money/find-a-branch/central-london/

https://www.hsbc.co.uk/1/2/contact-and-support/branch-locator （注：英国境内HSBC银行ATM仅受理该行发行银联卡）


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In the UK, any merchant displaying the UnionPay logo can accept UnionPay cards. Unlike in China, in some places, you don't need to enter a PIN when using a UnionPay card; you can simply sign the receipt.

 

Certain department stores, jewelry and watch shops, brand boutiques, airport duty-free shops, hotels, and many merchants in Bicester Village accept UnionPay, even if they don't display the UnionPay logo. It's advisable to inquire in advance before making a purchase.

 

If you have a dual-logo card, which means your bank card has both the UnionPay logo and either the MasterCard or Visa logo, please inform the merchant that you wish to pay with UnionPay in order to enjoy UnionPay's benefits and services. However, in some regions, overseas acquiring institutions follow the default transaction routing and cannot select UnionPay as the payment method. Instead, they will automatically choose one of the payment methods available on your card. Therefore, it is important to rely on the actual transaction result.

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