How is the fee and exchange rate calculated when making foreign currency payments in BoC Pay with Smart/ Payment Account via merchants that support UnionPay QR code or institutions that cooperate with UnionPay QR code in Mainland China?
Currently no charges will be imposed for any foreign currency payments in BoC Pay with your Smart/ Payment Account. You may enquire the exchange rate before the transaction by the following means:
| Transaction Currency | Exchange Rates Basis |
| Renminbi (RMB) | Based on the cash exchange rate of HKD and RMB prescribed by BOCHK at the time of the transaction, please visit BOCHK website (Home > Investment > Rates / Price Information) for details. |
| Foreign Currency (Except RMB) | Based on the exchange rate of HKD and Foreign Currency (Except RMB) prescribed by UnionPay at the time of the transaction, please enquire UnionPay or visit “Exchange Rate Query” under UnionPay website for details. |