Uni5Pay+ by Scombank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Uni5Pay+ is a UnionPay debit card from Scombank built for spending and cash withdrawals outside China, with a currency conversion fee of 0% and no fee when paying merchants abroad. It suits people whose money sits in renminbi and who want a card that works widely overseas.
Key facts
- Best for
- Anyone spending or withdrawing abroad who holds renminbi and wants a card with no currency conversion charge.
- Currency conversion fee
- 0%↗
- Rewards type
- Points↗
- Perks
- Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, Chinese-language customer service hotline↗
- Legal entity
- UnionPay International Co., Ltd.↗
- Headquarters
- China↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Rewards
- Official website
- unionpayintl.com
Debit cards
- Card type
- Debit↗
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Currency conversion fee of 0%, ahead of every other brand we rank on this measure
- A debit card, so there is no borrowing to pay interest on
- Overseas spending settles in RMB at the market exchange rate, so there is no need to buy foreign currency
- Support runs on email, phone and help centre
Cons
- Support is listed as a Chinese-language customer service hotline, which suits less well outside China
- Settling in RMB ties you to the renminbi rate, so you carry the exchange rate movement rather than a fixed one
- Rewards are points rather than cashback, which most rival cards offer
Who it suits
- People who hold renminbi and pay for goods or services abroad
- Travellers who want a card that charges nothing when they pay merchants overseas
- Anyone taking cash out overseas and keeping fees low
Who should look elsewhere
- People who want cashback, as rewards are points and alternatives such as Varo Believe Secured Credit Card pay cashback
- Anyone wanting card protection on the terms of a UK or European provider
- People who hold several currencies, since spending settles in RMB at the market exchange rate
How Uni5Pay+ by Scombank compares
- 9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4- 9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0- 9.3 vs 8.0
9.3 vs 9.1
Frequently asked questions
What is the currency conversion fee on Uni5Pay+?+
The currency conversion fee is 0%, which puts Uni5Pay+ at the top of the brands we rank on this measure. Overseas spending also carries no fee when you pay merchants abroad. Cash withdrawals abroad come with relatively low fees.
Is Uni5Pay+ a credit card or a debit card?+
It is a debit card, so there is no borrowing and no interest to pay on spending. That is worth weighing against credit cards, where a balance can cost you a headline rate.
What rewards does Uni5Pay+ offer?+
Rewards are points, collected through the rewards programme listed for the brand. Cashback cards are more common among the alternatives we compare, so points may suit you less if you prefer money back.
How does the card handle money spent overseas?+
Overseas spending settles in RMB at the market exchange rate, so you do not need to buy foreign currency first. Paying merchants abroad comes with no fee. You carry the exchange rate movement between the merchant charge and the conversion.
How can I get help from Uni5Pay+?+
Support runs on email, phone and help centre. The card details also list a Chinese-language customer service hotline, which is worth knowing if you use the card away from China.
What are the cash withdrawal costs abroad?+
Overseas ATM withdrawal fees are listed as relatively low, and paying merchants abroad costs nothing. The currency conversion fee is 0%, so most of what you pay at an overseas cash machine is the bank's own charge.
Who is behind Uni5Pay+?+
The legal entity behind the card is UnionPay International Co., Ltd. and the headquarters country is CN. The card is distributed under the Uni5Pay+ name by Scombank.
Sources
- unionpayintl.com/cn/serviceCenter/cardUsingInstructions/8... checked September 26, 2026
Backs: Currency conversion fee, Perks
- unionpayintl.com/en/aboutUs/companyProfile/contactUs checked September 26, 2026
Backs: Headquarters, Support channels
“HQ Address: No.1899 Guozhan Road, Pudong New District, Shanghai, China”
- unionpayintl.com/en/aboutUs/companyProfile/introductiontoUPI checked September 26, 2026
Backs: Features, Rewards type
“U Rewards Platform”
- unionpayintl.com/en/infome checked September 26, 2026
Backs: Legal entity
“This Website are provided by UnionPay International Co., Ltd. (hereinafter referred to as “UnionPay International”)”
- unionpayintl.com/en/servicesProducts/products/unionPayCar... checked September 26, 2026
Backs: Card type
“UnionPay Debit card is your ideal choice, when you travel abroad, or purchase online from around the world, and at the same time you have a choice to pay with your own funds, directly from your own...”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR.
Uni5Pay+ by Scombank
Anyone spending or withdrawing abroad who holds renminbi and wants a card with no currency conversion charge.