Here's what you can expect when you own the UnionPay QR!

What is UnionPay QR all about?

Shopping is more convenient with UnionPay QR worldwide.

You can now experience QR code payment services at merchants with UnionPay or UnionPay (Yunshanfu) acceptance in the Chinese mainland. Make purchase payment with UnionPay QR in China without the need of opening a bank account in China and it is ideally used for contactless overseas spending. You may choose to make purchase payment in MYR or CNY currency. Simply pay in CNY, the payment amount will be deducted from your CNY account² without any additional fees and charges¹. Worried about the insufficient balance in your CNY account? No worries, the payment amount will be converted and deducted from your MYR account¹.

UnionPay QR Code Payment

1. Scan UnionPay QR

When you see any of the following UnionPay acceptance, you can initiate “Scan” feature and scan merchants’ UnionPay QR code/ UnionPay Combi QR code to make payment.

** Combi QR consist UnionPay (Yunshanfu), WeChat Pay, Alipay or others partner in one QR code.

2. Display UnionPay QR 

Other than scan merchants’ QR code to make payment, you can also display the QR code for merchants to scan. Initiate “Scan” feature, click on “Pay” at the bottom of the screen, select “Mainland China” and show the bar code/QR code displayed from your app to merchants for them to scan.

1. Download and register for the Bank of China Mobile Banking app

Note: Ensure the app version you are using is V6.0.5 and above 

2. Link your UnionPay Debit Card via “Debit Card Management”

3. Enable “Overseas Use” setting

4. Click “Pay” logo, follow the guide to complete the activation

5. Enjoy UnionPay QR Code Payment

• Initiate “Scan”, scan merchants’ QR codes to complete the payment

• Initiate “Scan” and click “Pay” icon, select “Mainland China” and display UnionPay barcode/QR code. Merchant scans the barcode/QR code to complete the payment.

New to Bank of China Malaysia? All you need to do is walk into any of our branches to apply for both the UnionPay Debit Card and Mobile Banking app, download the app on your phone, and link it with your card to start spending.

Are you an existing UnionPay Debit Card and Mobile Banking app user? Look out for the “Scan” icon on the app, perform the set up steps and start spending now!

Click on the following for more details:

1. Terms and Conditions Governing UnionPay QR Code Payment

2. UnionPay QR Frequently Asked Questions (English)

Important Notes:

1. Retail purchase transactions conducted in Malaysia and overseas will be settled in MYR and transactions conducted in Mainland China will be settled in CNY. If you do not have sufficient CNY balance in your account to complete a transaction, we will convert your transaction amount at the prevailing rate with a markup of 1% and charge you in MYR. For other currencies transaction, the entire transaction amount shall be converted at the prevailing rate with a markup of 1% and charged to you in MYR.

2. Protected by PIDM at up to RM 250,000 for each depositor.