Immigrate to the Philippines to understand the Philippines living guide: According to the information published on the China UnionPay website regarding the "Card Usage Guidelines in the Philippines," the methods for using UnionPay cards in business and tourism in the Philippines are as follows:
Before going to the Philippines, please check your UnionPay card. The front of your card should have the "UnionPay" logo. If it does not, you can apply for a new card from the issuing bank. Please sign the signature strip on the back of the card for both debit and credit cards; if there is no signature, please add one in advance. To ensure acceptance, please consult the issuing bank in advance to confirm whether the card can be used in the Philippines. For the specific list, please click on the issuing bank directory.
Usage of UnionPay cards in the Philippines
You can use UnionPay cards to withdraw cash and check balances at ATMs in the Philippines that display the "UnionPay" logo, or make purchases at merchants that display the "UnionPay" logo. Some merchants may not have the "UnionPay" logo displayed; you can also proactively ask the store cashier whether UnionPay cards can be used through the UnionPay network. UnionPay cards cannot be used for bank counter transfers and cash withdrawals abroad, nor can they be used for cash withdrawals through merchant POS terminals. Locally, you can make purchases in Philippine pesos while being charged in Renminbi, and cardholders will not incur additional currency conversion fees. The daily withdrawal limit for ATMs in Philippine pesos is capped at an equivalent of 5,000 Renminbi per card. Please adhere to the withdrawal frequency and limit set by the issuing bank and all ATM banks.
Regarding fee standards
When making purchases with UnionPay cards at merchants, cardholders do not need to pay any handling fees (the purchase amount is the amount charged to your card). ATM withdrawals will incur handling fees; please consult the issuing bank for specific fee details. When shopping with a card, please sign and enter your password. For merchant card purchases, please sign on the sales slip; regardless of whether it is a debit or credit card, please enter your password when swiping the card. If the card does not have a password, please enter any six-digit number.
Transaction cancellation
Currently, merchants in the Philippines do not support online transaction cancellations. If you need to cancel a transaction, please consult the cashier to choose a cancellation method. Protect your personal password; do not make it too simple. When entering your password, it is recommended to cover the keypad with your hand to prevent remote camera capture. If you lose your "UnionPay card," please report it immediately. If your card is lost, please call the issuing bank immediately to verbally report the loss, and handle the relevant written procedures after returning to your home country. To protect your interests, please keep your card and password secure.
Handling card retention by ATMs
When an ATM malfunctions, or if the cardholder makes an operational error or forgets to take the card, the ATM will retain the card. After the card is retained, please go to the ATM's affiliated branch with valid identification (passport, resident ID, etc.) to retrieve the card within three days from the day the card was retained (the period is extended if it falls on a holiday). If the card is not retrieved within three days as required, the card will be destroyed, and you will need to apply for a replacement card after returning to your home country.
Handling erroneous transactions
If there is a deduction from the account during a cash withdrawal but the ATM does not dispense cash, or if there is an overcharge during a purchase, the cardholder can apply for erroneous transaction handling with the issuing bank after returning to their home country.
