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6. Can I use my Smart Account or Payment Account to make RMB payments in Mainland China?

Yes. All transactions completed through your Smart Account or Payment Account within the UnionPay networks will be settled in HKD. If the transaction involves RMB, the payment amount will be deducted in HKD according to the exchange rate set by us. If the transaction involves a foreign currency other than RMB, the payment amount will be deducted in HKD according to the exchange rate set by UnionPay.

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BoC Pay is accepted by merchants with the label shown below.
Reminder: To borrow or not to borrow? Borrow only if you can repay!