境外出游，到各地血拼，分享当地美食，不可避免地涉及到各种支付问题。近期，中国银联发布了暑期境外用银联卡提示，针对境外出游的热点问题进行了说明。

Overseas travel，Shopping around to，Share the local food，Inevitably involve pay to all kinds of problems。recent，China unionpay released summer with union pay card overseas tips，The hot issues in overseas trips were introduced。

130个国家和地区可刷银联卡 130 countries and regions can brush union pay card

　　是的，随着银联网络的不断铺设，银联卡已经可以在境外130个国家和地区使用。近期，中国银联发布了暑期境外用银联卡提示，目前，境外已有超过700万家商户受理银联卡刷卡消费。

yes，Along with the union pay the continuous laid，Union pay card can already outside in 130 countries and regions to use。recent，China unionpay released summer with union pay card overseas tips，At present，More than 700 foreign merchant accepts the union pay card brush calorie of consumption。

　　其中，香港、澳门地区九成以上商户受理银联卡，台湾地区及多个东南亚国家过半商户可使用银联卡。在欧美主要旅游城市游客经常到访的知名商户，都已陆续引入银联卡支付。在美国、韩国、匈牙利、冰岛等国的商户，还可用银联信用卡以签名验证方式完成交易，用卡更加便利。银联提示，如果在商户未见“银联”标识，游客也不妨向收银员问一句“可否用银联卡”。

Among them，Hong Kong、Macao merchant accepts the union pay card more than ninety percent，Taiwan and southeast Asian countries more than half merchants can use union pay card。The main tourist city in Europe and the visitors often visited the famous merchant，All have been introduced into union pay card payments。In the United States、South Korea、Hungary、Iceland and other countries to the merchant，Still can use union pay credit card with signature verification way complete the transaction，Use card to be more convenient。Unionpay tip，If not seen in merchants“Union pay”logo，Visitors also might as well to ask the cashier“Can I use union pay card”。

　　此外，持银联卡已可在境外近百万台取款机(ATM)提取当地货币或美元，越来越多的取款机还安装了中文操作界面。游客可通过“银联”标识或银联当地合作机构的标识识别是否可以受理银联卡。值得注意的是，境内外取款操作的步骤可能存在差异。境外取现时，很多时候是先退卡、再吐钱。

In addition，The union pay card has nearly ten thousand in overseas cash machine(ATM)Withdraw local currency or us dollars，More and more machines have installed the Chinese interface。Tourists can through the“Union pay”Logo or union pay local cooperation agency logo to identify whether accept a union pay card。Note the，Domestic and overseas withdrawals step there may be differences。When overseas cash withdrawal，Many times is recede first card、Spit money again。

　　在澳大利亚、新加坡、越南等多个国家和中国台湾地区，还可刷银联卡付交通费。如澳大利亚97%的出租车接受银联卡，新加坡的出租车受理面达六成，越南乘出租车也可用银联卡，台湾高铁及约6000辆出租车受理银联卡。

In Australia、Singapore、Vietnam and other countries and China Taiwan，Still can brush union pay card to pay transportation。Such as Australia 97% of the taxi accept union pay card，Singapore's taxi accepts the face of sixty percent，Vietnam take a taxi can also be used union pay card，Taiwan high speed rail and about 6000 taxi accepts the union pay card。

　　值得一提的是，随着暑期“银联全球特惠礼遇季”的启动，在10月7日前，持银联卡在我国港台地区以及英国、法国、美国、澳大利亚、阿联酋、日本、韩国、新加坡、泰国、马来西亚等国家最具盛名的购物中心、机场免税店和品牌连锁店刷卡消费，除了可获得银联网络节省约占交易总额1%-2%货币转换费的优惠外，还可有一系列折扣、赠礼、抽奖等丰富礼遇。

It is，As summer“Union pay global preferential treatment season”start，In October before 7，The union pay card in Hong Kong and Taiwan regions in China and Britain、France、The United States、Australia、The united Arab emirates、Japan、South Korea、Singapore、Thailand、Malaysia's most prestigious shopping center、The airport duty-free shop and brand chain brush calorie of consumption，Besides can get unionpay network save accounts for about 1% of the total trade-2% of the currency conversion fee discount，Still can have a series of discount、bounty、Such as lucky draw rich courtesy。

　　游客们还需要了解的是，目前银联卡客户在海外也可以获得紧急现金支援服务了。据介绍，在中国游客经常到访的20个国家和地区的52个网点可提供此项服务，银联信用卡持卡人在境外无法使用银联卡或发生卡片丢失、被盗等紧急情况时，可致电所在国家和地区的银联服务热线，就近获得最高等值5000美元的紧急现金支援。

Visitors also need to understand is，At present union pay card customers in the overseas can also get emergency cash support services。According to introducing，In the Chinese tourists often visiting 20 countries and regions of the 52 outlets can provide this service，Union pay credit card user in overseas is not able to use union pay card or the occurrence of card lost、Stolen or other emergencies，Can be directed to the countries and regions in the union pay service hotline，Came near to the maximum equivalent of $5000 emergency cash support。

两张低费率借记卡境外取现 Two pieces of low rates debit card overseas cash withdrawal

　　不过，在境外也不免需要使用到现金，游客们大多在出行前都会准备一定的外币现钞，但是随身携带多少数量的现钞是个让人困扰的问题：携带得太多，可能引发不安全因素；携带得太少，境外使用时可能会遇到不便。

but，In overseas unavoidable also need to use cash，Most visitors in trip before will prepare some foreign currency in cash，But carry how many quantity cash is a confusing：Carry too much，May cause no safety factor；Carry too little，Overseas when using may encounter inconvenience。

　　我们也为你推荐两张境外取现费用较低的银行借记卡。借记卡内存入的是人民币，如有需要，可以在境外支持银联卡取现的ATM机上取出外币现钞。

We also recommend two pieces of overseas to show low cost bank debit card。Debit card deposit is in RMB，If has the need to，In overseas support union pay card can take on the ATM out foreign currency in cash。

　　推荐之一来自平安银行的平安金卡/深发展的发展金卡，这两张金卡的持卡人只要选择带有银联标识的ATM机取款，无论在美国、欧洲、澳洲、还是东南亚，每月前20笔的范围内，均免收较高的取款手续费。

One of the recommended the peace of peace bank from the development of shenzhen development gold card/gold card，The two gold card holders as long as the choice of the principal of the logo with ATM withdrawals，No matter in the United States、Europe、Australia、Or southeast Asia，20 a month ago within the scope of the pen，All will be exempted from higher withdrawal charges。

　　推荐之二来自于中信银行的国际借记卡“回卡”，回卡主要针对境外商务、旅游、留学目的来设计，所制定的境外ATM机提现的手续费也比较低。中信规定，回卡每日境外ATM机上提取的现金金额不得超过等额10000元人民币的外币，对于每笔境外提现，中信回卡收取的手续费为15元人民币。出游前将准备的资金存入到回卡账户中，在境外出游时有需要就可以提取出来使用。

Recommend YuZhongXin bank from two international debit card“Back to card”，Back to the card mainly in overseas business、tourism、Study abroad the purpose to design，For a cash fee overseas ATM are low。Citic provisions，Back to the card on the daily overseas ATM extract cash amount must not exceed 10000 yuan RMB for the foreign currency，For each transaction or overseas，Citic to charge card charges for 15 yuan。Before starting off will be ready to money deposited in the back of the card account，In overseas travel need can extract has come out to use。

备张旅行支票当后盾 Prepare traveler's check when the backing

　　如果境外出游的时间较长，需要的资金较多，建议游客在出行前也可以到银行购买一张旅行支票。

If the foreign travel time is long，Need more money，Advises tourists in the trip before can also go to the bank to buy a traveler's check。

　　与外币现钞和信用卡相比，旅行支票最大的优势在于它的安全性，拥有独特的遗失被窃理赔服务。如果游客们在境外游的过程中遭遇到这样的小意外，可以拨打旅行支票中心在世界各地的服务电话，报出旅行支票序列号，在符合相关条款的情况下，不产生任何额外费用，你可以就近在当地的旅行支票服务中心获得同等的补发。旅行支票适用的地区非常广泛，不仅很多商场和酒店都支持旅行支票的付款，也可以在旅行的兑换为当地的货币使用。

And foreign currency in cash and credit card to compare，Traveler's check is that it's the biggest advantage of safety，Have unique lost theft claims service。If visitors in the process of foreign visits meet such a small accident，Can call the traveler's checks center in all over the world telephone service，Quote us traveler's checks serial number，In accordance with the relevant provisions，Don't produce any extra cost，You may nearby in the local traveler's checks service center for equal replacement。Traveler's check the area is very extensive，Not only many stores and hotels support traveler's check payment，Also can be in the travel for the local currency exchange use。

　　在旅行支票市场上，尤其以美国运通、通济隆、VISA、花旗所发行的旅行支票最为普遍。旅行支票有多个币种可以选择，包括美元、日元、加拿大元、澳大利亚元、英镑、欧元等多个币种，选择时主要根据旅行地的货币进行选择；如果当地使用的是其他货币，则美元的旅行支票更被普遍接受。

In traveler's checks on the market，Especially in American express、TongJiLong、Visa、Citi issue of traveler's checks most common。Traveler's checks have multiple currencies can choose，Including the dollar、yen、Canadian dollars、Australian dollar、pounds、More than the euro currency，When the choice according to travel to major of money by choice；If the local use other currencies，Traveler's check of the us more is generally acceptable。

　　在国内多家银行的代销网点，你可以购买到美国运通、通济隆、VISA等发行的旅行支票，目前银行所收取的手续费通常是以旅行支票金额的0.5%～0.75%不等。

In the domestic many Banks active network，You can buy American express、TongJiLong、Visa and release of the traveler's checks，Currently, the bank shall receive poundage usually in traveler's checks amount of 0.5% ~ 0.75% range。

银联卡退税更优惠 Union pay card is more favorable tax refund

　　在境外购物，可以申请到消费退税，特别是欧洲国家，退税能为游客省下不少成本。相比之下，选择银联卡作为退税账户优惠更多。

In overseas shopping，Can apply to consumption tax refund，Especially in Europe，Tax rebates for tourists save much cost。compared，Choose union pay card as a drawback account preferential more。

　　原因在于，适用于出境退税服务的标准银联卡(以62开头)，中国银联将把全球回报集团提供的退税款项直接由消费地货币转换成人民币，进入持卡人的账户，这样免去了可能存在的货币转换费，同时无论你选择的是银联借记卡还是银联贷记卡，在境内可以直接刷卡或是提取使用，无需再进行货币的兑换。同时，相对于现金退税，银联卡退税适用的费率更低。尤其需要强调的是，如果选择使用银联与境外发卡机构合作发行的银行卡，退税时会以其他币种接收退得的税金。

Reason is that，Apply to exit drawback service standard union pay card(Beginning with 62)，China unionpay will return the global tax rebates of groups to provide money directly by the consumer currency converted into renminbi，Enter the cardholder's account，So to avoid the possible existence of currency conversion fee，At the same time no matter you choose is union pay debit card or union pay borrow write down card，In China can be directly or extraction using a credit card，Need not to exchange of money。At the same time，Relative to cash tax refund，Union pay card for more tax rates low。Especially need to be emphasized，If choose to use unionpay and overseas card issuers of collaboration issue bank CARDS，Drawback when other currencies to receive back taxes。

　　如果由于时间紧促或是其他的原因，没有在境外办理退税的手续，回来后也可以进行办理。北京、上海、广州的三个城市的机场和市区内均设有工行的退税服务网点。但与银联卡办理退税业务所不同的是，工行代理退税业务只提供美元现金退税。

If the time JinCu or other reasons，Not for tax refund formalities in overseas，After come back can also be dealt with。Beijing、Shanghai、The three cities of guangzhou airport and the urban district are equipped with the line of the tax refund service networks。But with the union pay card for tax refund business what is different，Labour travel agency business tax refund only provides the dollars in cash tax refund。