1. What is "Cross-border Remittance"?

"Cross-border Remittance" is a remittance service for customers who hold Smart Accounts (except for 16-17 years old customers) to remit funds to UnionPay accounts at UnionPay Money Express cooperative banks in the Mainland (no foreign currency account is required). These include:

  • Bank of China
  • Agricultural Bank of China
  • Industrial and Commercial Bank of China
  • China Construction Bank
  • Bank of Communications
  • China Everbright Bank
  • Bank of Shanghai
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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!