"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