Can I use my UnionBank card internationally?

Globetrotting with Your UnionBank Card: What You Need to Know

Planning an international trip and wondering if your trusty UnionBank card will come in handy? We’ve got you covered!

Good news: You can use your UnionBank Debit Mastercard for transactions while you’re abroad. This means you can enjoy the convenience of card payments for shopping, dining, and more, even when you’re far from home.

However, there’s a catch (isn’t there always?): While using your card internationally is possible, it’s essential to be aware of the foreign exchange rates.

Unlike domestic transactions where UnionBank manages the conversion, international transactions involve an international bank. This bank sets its own exchange rate, which may differ from UnionBank’s rate and even the current market rate. As a result, the final amount debited from your account might be slightly higher than expected.

Here are some tips to keep in mind:

• Check the exchange rate: Before making a purchase, inquire about the exchange rate used by the bank processing the transaction. This helps you estimate the final cost in your local currency.
• Transaction fees: Be aware that some international banks may charge additional fees for processing your transaction. These fees can vary, so it’s best to inquire beforehand.
• Inform UnionBank: It’s always a good practice to notify your bank about your travel plans, especially if you’re going abroad. This helps prevent any security flags or transaction blocks.

In conclusion: While using your UnionBank Debit Mastercard internationally is entirely possible, it’s crucial to be mindful of the exchange rates and potential fees involved. By staying informed and taking necessary precautions, you can enjoy a smooth and hassle-free travel experience. Bon voyage!