{"id":23347,"date":"2020-02-06T02:00:00","date_gmt":"2020-02-06T01:00:00","guid":{"rendered":"https:\/\/www.saporedicina.com\/english\/?p=23347"},"modified":"2022-03-18T12:58:29","modified_gmt":"2022-03-18T11:58:29","slug":"unionpay-card","status":"publish","type":"post","link":"https:\/\/www.saporedicina.com\/english\/unionpay-card\/","title":{"rendered":"How to Get a UnionPay Card Without a Chinese Bank Account"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.saporedicina.com\/english\/wp-content\/uploads\/2020\/02\/unionpay-card.jpg\" alt=\"How to Get a UnionPay Card Without a Chinese Bank Account\" title=\"How to Get a UnionPay Card Without a Chinese Bank Account\" width=\"700\" height=\"376\" class=\"aligncenter size-full wp-image-29632\" srcset=\"https:\/\/www.saporedicina.com\/english\/wp-content\/uploads\/2020\/02\/unionpay-card.jpg 700w, https:\/\/www.saporedicina.com\/english\/wp-content\/uploads\/2020\/02\/unionpay-card-300x161.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<div class=\"indexsdc\">\n<h3 id=\"table_of_content\">How to Get a UnionPay Card  &#8211; Index<\/h3>\n<ol>\n<li><a href=\"#unionpaywithoutchineseaccount-1\">What is UnionPay?<\/a><\/li>\n<li><a href=\"#unionpaywithoutchineseaccount-2\">Why is it useful to have a UnionPay card in China?<\/a><\/li>\n<li><a href=\"#unionpaywithoutchineseaccount-3\">Available UnionPay prepaid cards providers<\/a><\/li>\n<li><a href=\"#unionpaywithoutchineseaccount-4\">Should I apply for a prepaid UnionPay card?<\/a><\/li>\n<\/ol>\n<\/div>\n<p><\/p>\n<p>Along with the digitization and the ongoing process of making China into a cashless society, foreign travelers find it more difficult to manage payments there. Nowadays, most Chinese use online applications such as <a href=\"https:\/\/www.saporedicina.com\/english\/cellphone-payment-china\/\" rel=\"noopener noreferrer\" target=\"_blank\">AliPay and WeChat<\/a>, or pay by UnionPay credit and debit cards. <\/p>\n<p>Previously, it was impossible for foreigners to apply for UnionPay cards as this requires that you have a <a href=\"https:\/\/www.saporedicina.com\/english\/open-bank-account-china\/\" rel=\"noopener noreferrer\" target=\"_blank\">Chinese bank account<\/a>. However, several foreign payment service providers have started to offer prepaid UnionPay cards to foreigners recently. We will review each one of them in greater detail in this article. <\/p>\n<p>First, let\u2019s start and review what UnionPay is and why it\u2019s become so important in the past years.<\/p>\n<p><strong><!--more--><\/strong><\/p>\n<h2 id=\"unionpaywithoutchineseaccount-1\">What is UnionPay?<\/h2>\n<p>If you haven\u2019t been to China before, I\u2019m almost certain that you haven\u2019t heard about <a href=\"https:\/\/www.unionpayintl.com\/en\/mediaCenter\/brandCenter\/brandConcept\/\" rel=\"noopener noreferrer\" target=\"_blank\">UnionPay<\/a> before. I don\u2019t blame you as it\u2019s primarily used among Chinese citizens. <\/p>\n<p>Having said that, UnionPay truly deserves more attention as it\u2019s the biggest card payment organization (combining credit cards and debit cards) in the world and outperforming both MasterCard and Visa.<\/p>\n<p>Being founded in Shanghai in 2002, the company has seen massive growth over the years.<\/p>\n<p>Before UnionPay and various other payment solution providers were created in China, such as Alipay, the Chinese often walked around with a large amount of cash while traveling overseas. I know, not that safe.<\/p>\n<p>At that time, China was a largely cash-based society and the personal loan market not that big. Over the years, the Chinese banking sector has transformed completely. <\/p>\n<p>Nowadays, the Chinese rarely use cash as they\u2019re so used to paying with their cellphones and primarily through applications and payment service providers such as AliPay and <a href=\"https:\/\/www.saporedicina.com\/english\/how-to-use-wechat-or-weixin\/\" rel=\"noopener noreferrer\" target=\"_blank\">WeChat Pay<\/a>).<\/p>\n<p>UnionPay has expanded aggressively recently and is now available in 177 countries and regions worldwide. Bringing bundles of cash isn\u2019t really needed anymore.<\/p>\n<h2 id=\"unionpaywithoutchineseaccount-2\">Why is it useful to have a UnionPay card in China?<\/h2>\n<p>If you plan to stay in China long-term, I definitely recommend you getting a local credit or debit card. There are four main reasons for this that almost create a Catch 22:<\/p>\n<ul>\n<li>China is moving to become a cashless society and where locals primarily use digital payment solutions, <a href=\"https:\/\/www.saporedicina.com\/english\/alipay-alibaba-payment-platform\/\" rel=\"noopener noreferrer\" target=\"_blank\">such as Alipay and Wechat<\/a>.<\/ul>\n<\/li>\n<ul>\n<li>More and more Chinese stores don\u2019t accept cash anymore. At the same time, many shops don\u2019t accept MasterCard or Visa either.<\/ul>\n<\/li>\n<ul>\n<li>You can\u2019t use mobile payments as you must register with a Chinese bank account. Travelers aren\u2019t allowed to do so.<\/ul>\n<\/li>\n<p>As you can see, having a UnionPay card is beneficial and convenient. If you work in China and receive your salary in a local bank account, you\u2019ll be able to use your UnionPay card in most Asian countries and withdraw money from ATMs.<\/p>\n<p>On top of that, UnionPay offers a number of other benefits, such as:<\/p>\n<ul>\n<li>Discounts and duty-free promotions<\/li>\n<li>Express services when applying for visas (VIP counters)<\/li>\n<li>Overseas promotions (discounts in certain stores)<\/li>\n<li>Local promotions<\/ul>\n<\/li>\n<h2 id=\"unionpaywithoutchineseaccount-3\">Available UnionPay prepaid cards providers<\/h2>\n<p>Before you can apply for a UnionPay prepaid card, you need to find a company that can provide one. Below, I\u2019ve listed a handful of companies that provide UnionPay cards to foreigners. <\/p>\n<h3>1. STICPAY<\/h3>\n<p><a href=\"http:\/\/www.sticpay.com\/?code=saporedicina\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">STICPAY<\/a> is an online payment service provider that caters to millions of customers in Asia, Europe, and elsewhere. <\/p>\n<p>To make things clear and for those who have heard about STICPAY before, they issue Unionpay Prepaid Cards that are accepted in various countries around the globe. Thus, it\u2019s not a MasterCard.<\/p>\n<p>By using their global E-Wallet, you can manage payments cross-border instantly and without the need to cope with expensive transaction fees or long processing times. In fact, you can send and receive money within just a minute, no matter your location. <\/p>\n<p>In 2019, STICPAY got the following recognitions and awards:<\/p>\n<ul>\n<li>Best Online Payments Solution &#8211; Consumer Shortlist 2019<\/li>\n<li>Best trading service in Singapore<\/li>\n<li>Payment Innovation: Best Digital Wallet 2019 Gold Winner<\/li>\n<\/ul>\n<p><strong>Requirements<\/strong><\/p>\n<p>On the contrary to ECARD, STICPAY is available to not only US-citizens, but users all around the world. This gives STICPAY an edge, of course. To apply for a UnionPay Prepaid card, you need to provide the following: <\/p>\n<ul>\n<li>Passport<\/li>\n<li>Proof of Address<\/li>\n<li>Proof of Legal Existence<\/li>\n<\/ul>\n<p>These documents need to show the following information:<\/p>\n<ul>\n<li>Full Name<\/li>\n<li>Photograph<\/li>\n<li>Unique Number<\/li>\n<li>Date and Place of Birth<\/li>\n<li>Your Signature<\/li>\n<li>Nationality<\/li>\n<\/ul>\n<p>Besides, you must have more than USD 110 in your STICPAY in order for them to process the card. The delivery cost is USD 40 while the initial top-up must be at least HKD 500.<\/p>\n<p><strong>Benefits<\/strong><\/p>\n<p>Low withdrawal fees from STICPAY account to STIC card (1.3%)<\/p>\n<ul>\n<li>No handling fees for overseas purchase<\/li>\n<li>Available in most countries<\/li>\n<li>Available in 17 languages<\/li>\n<li>Many currencies<\/li>\n<\/ul>\n<p><strong>Limitations<\/strong><\/p>\n<p>There aren\u2019t any clear limitations of using STICPAY compared to other service providers. Having said that, some customers have complained about slow processing times and slow customer support.<\/p>\n<h3>2. ECARD (US citizens only)<\/h3>\n<p><a href=\"https:\/\/ecardinc.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">ECARD<\/a> is a Fintech company headquartered in New York that provides cross-border payment solutions. One of their core-services is that they allow you to apply for prepaid UnionPay cards online, issued by Global Bank of New York (Member FDIC).<\/p>\n<p>The FDIC insures up to USD 250,000 and you can handle your accounts through the ECARD mobile app and online service portal. Here, you can check your transactions to make sure that the account is safe.<\/p>\n<p>There are both benefits and drawbacks of using the card, of course, something that we will review later. First, let\u2019s start and check what the requirements are to apply for the card first.<\/p>\n<p><strong>Requirements<\/strong><\/p>\n<p>As you must input your Social Security number when applying for the card, it\u2019s only available to US-citizens. Keep in mind that the card can only be shipped to a US-address as well.<\/p>\n<p>In addition, the following requirements apply:<\/p>\n<ul>\n<li>You must be 18 years old or older<\/li>\n<li>You must use your phone number to verify your application<\/li>\n<li>Valid passport or state-issued ID<\/li>\n<li>Minimum USD 100 initial deposit<\/li>\n<\/ul>\n<p>When you apply, you must provide the following information as well:<\/p>\n<ul>\n<li>Name, address, phone number and email<\/li>\n<li>Social Security number<\/li>\n<li>Occupation<\/li>\n<li>Proof of address<\/li>\n<li>Photo of ID<\/li>\n<\/ul>\n<p>Keep in mind that the above information might change, be sure to confirm the latest requirements with ECARD directly.<\/p>\n<p><strong>Benefits<\/strong><\/p>\n<p>Some of the major benefits of applying for an ECARD are:<\/p>\n<ul>\n<li>It\u2019s fast and just take a few minutes<\/li>\n<li>You can use it in 177 countries and regions<\/li>\n<li>There are no transaction fees in the US!<\/li>\n<li>You can download the mobile app<\/li>\n<li>Enjoy discounts and other benefits<\/li>\n<li>It\u2019s secure<\/li>\n<\/ul>\n<p><strong>Limitations<\/strong><\/p>\n<ul>\n<li>It takes several days to transfer money from the card<\/li>\n<li>You cannot connect it with WeChat or Alipay<\/li>\n<li>You pay USD 4.95 a month<\/li>\n<li>High withdrawal fees (USD 5 for ATMs and a 1.49% conversion fee if used in the <\/li>\n<p>UnionPay Network)<\/li>\n<li>You can only have a maximum of USD 10,000 on the card<\/li>\n<li>Decline fees (USD 15)<\/li>\n<\/ul>\n<h3>3. Mifinity<\/h3>\n<p><a href=\"https:\/\/www.mifinity.com\/business\/unionpay\/\" rel=\"noopener noreferrer\" target=\"_blank\">Mifinity<\/a> was founded in Belfast in 2002 and a payment service provider that helps international businesses and individuals to manage cross-border transactions. They started offering UnionPay prepaid cards to consumers as late as in 2019.<\/p>\n<p>With more than 15 years of experience in the banking industry, Mifinity has also helped companies operating in industries such as Travel, Retail Banking, Airlines, Insurance, Gaming, Construction, and Education.<\/p>\n<p><strong>Requirements<\/strong><\/p>\n<p>To verify your account, Mifinity must receive the following documents and information: <\/p>\n<ul>\n<li>Proof of photo identification (e.g. passport or driving license)<\/li>\n<li>Proof of address (e.g. bank statement, credit card statement, utility bills, etc)<\/ul>\n<\/li>\n<p>The documents must be issued within a maximum of 3 months and include full images, all corners must be visible, and the images cannot be censored or blurred.<\/p>\n<p><strong>Benefits<\/strong><\/p>\n<ul>\n<li>Low deposit fees: UnionPay 1.8%<\/li>\n<li>Up to nine eWallets within your MiFinity Account<\/ul>\n<\/li>\n<p><strong>Limitations<\/strong><\/p>\n<ul>\n<li>Few currencies available in e-Wallet (GBP, EUR, SEK)<\/li>\n<li>Not available to US citizens or Turkish citizens (among others). For the full list, <a href=\"https:\/\/www.mifinity.com\/payments-en\/\" rel=\"noopener noreferrer\" target=\"_blank\">check this page<\/a><\/ul>\n<\/li>\n<h3>4. Allied Wallet<\/h3>\n<p><a href=\"https:\/\/www.alliedwallet.com\/blog\/press-releases\/allied-wallet-unionpay-international-make-history-unionpay-branded-prepaid-debit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">Allied Wallet<\/a> was founded in 2006 and is an award-winning company offering online payment solutions. They offer their services in 196 countries and was one of the first companies to partner up with UnionPay in Europe. <\/p>\n<p>Two of the main benefits of using Allied Wallet\u2019s UnionPay prepaid card is that you don\u2019t pay any annual fees and are able to keep funds in 14 different currencies.<\/p>\n<p>You can apply for a UnionPay prepaid card online, it won\u2019t take you more than a few minutes. <\/p>\n<p><strong>Requirements<\/strong><\/p>\n<p>Allied Wallet doesn\u2019t stipulate any requirements to apply for a UnionPay prepaid card. Therefore, I suggest you contact them directly for the latest information. <\/p>\n<p><strong>Benefits<\/strong><\/p>\n<ul>\n<li>Available in 14 currencies <\/li>\n<li>No annual fees<\/li>\n<li>24\/7 customer service<\/ul>\n<\/li>\n<p><strong>Limitations<\/strong><\/p>\n<p>There are no reviews or information about the limitations of using the card online.<\/p>\n<h2 id=\"unionpaywithoutchineseaccount-4\">Should I apply for a prepaid UnionPay card?<\/h2>\n<p>If you\u2019re traveling frequently to China, I recommend you to give any of the above-mentioned service providers a try. If you live and work in China, it\u2019s probably easier if you apply for a local bank account and debit card (unless you have one already). <\/p>\n<p>The prepaid UnionPay cards bring a lot of benefits for sure, even if it can take a while to transfer funds. <\/p>\n<p>If you have any other recommendations of companies that offer prepaid UnionPay cards, feel free to drop a comment below and then we\u2019ll have a look.<\/p>\n<p><span class=\"credits\">Photo Credits: <a href=\"https:\/\/creativecommons.org\/licenses\/by-nc\/2.0\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.saporedicina.com\/wp-content\/uploads\/icon\/cc.png\" alt=\"Creative Commons License\" width=\"14\" height=\"14\"\/><\/a> <a href=\"https:\/\/www.flickr.com\/photos\/18378305@N00\/8700710626\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Hong Kong\/ Travel Wallet<\/a> by <a href=\"https:\/\/www.flickr.com\/photos\/18378305@N00\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Can Pac Swire<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to Get a UnionPay Card &#8211; Index What is UnionPay? Why is it useful to have a UnionPay card in China? Available UnionPay prepaid cards providers Should I apply for a prepaid UnionPay card? Along with the digitization and the ongoing process of making China into a cashless society, foreign travelers find it more [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":29632,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[101],"class_list":["post-23347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-live-in-china","tag-travel-in-china"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get a UnionPay Card Without a Chinese Bank Account<\/title>\n<meta name=\"description\" content=\"Read our guide on how to get a UnionPay card without having a bank account in China: Why it&#039;s UnionPay useful, and how to get a prepaid card\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.saporedicina.com\/english\/unionpay-card\/\" 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