 |
| Bank of China Great Wall International Dual Currency UnionPay Debit Card linked to AUD and CNY accounts for payments in Australia, China and other UnionPay-supported markets. |
Bank of China’s Great Wall International Dual Currency EMV UnionPay Debit Card is a debit card issued by Bank of China (Australia) that connects to eligible Australian-dollar and Chinese-yuan accounts. The card is designed for payments and cash access in Australia, mainland China and other markets where UnionPay is accepted, with features including contactless payments, online transactions and selected QR-code payment services.
What Is the Bank of China Great Wall UnionPay Card?
The Great Wall International Dual Currency EMV UnionPay Debit Card is a Bank of China Australia debit card operating on the UnionPay payment network. The card can be linked to an AUD primary account and a CNY secondary account held with Bank of China (Australia).
The product is available in different card categories, including Classic, Student and Gold versions. The available card type determines certain transaction and withdrawal limits.
Key Features of the Great Wall UnionPay Card
The card combines conventional debit-card functions with UnionPay payment services.
| Feature | Details |
|---|---|
| Issuer | Bank of China (Australia) Limited |
| Payment network | UnionPay |
| Primary account | Australian dollar |
| Secondary account | Chinese yuan |
| Card types | Classic, Student and Gold |
| Contactless payments | UnionPay QuickPass |
| Online payments | Available with UnionPay Online Payment enabled |
| QR payments | Supported at selected participating merchants |
| ATM access | UnionPay and Bank of China ATMs where supported |
| International use | Available at participating UnionPay locations |
Bank of China states that the card can be used at UnionPay-enabled point-of-sale terminals and ATMs.
Dual-Currency Account Access
One of the main characteristics of the Great Wall International Dual Currency card is its connection to AUD and CNY accounts.
The AUD account is the primary linked account, while a CNY account can also be linked. Bank of China Australia specifies conditions governing how transactions are processed when funds are available in the linked accounts.
This structure is designed to provide account access across Australia and mainland China without requiring a separate physical card for each currency.
Where Can the Card Be Used?
The Great Wall UnionPay Debit Card can be used at locations displaying the UnionPay logo.
In Australia and mainland China, Bank of China provides UnionPay payment and cash-access services through participating merchants and ATMs. International transactions are also possible where UnionPay is accepted.
Acceptance can vary by merchant, ATM operator and country. Bank of China Australia specifically notes that transactions outside Australia and mainland China may be subject to applicable fees and that third-party merchant or ATM charges can also apply.
Contactless and Online Payments
The card supports UnionPay QuickPass contactless transactions at compatible UnionPay terminals. Contactless transactions remain subject to applicable transaction limits.
Online purchases can also be made when UnionPay Online Payment is enabled. Bank of China Australia states that cardholders can provide their card details to participating online merchants or use supported services such as PayPal Australia, WeChat and Alipay.
QR-Code Payment Support
The card also supports selected QR-code payment services.
Bank of China Australia states that its mobile banking application can be used for UnionPay QR-code payments at selected Australian merchants. In mainland China, supported payment arrangements include UnionPay QR payments as well as Weixin Pay and Alipay-related services.
Availability depends on the merchant, payment service and applicable terms.
Great Wall UnionPay Card Fees
Fees depend on the transaction type and location.
Bank of China Australia's current product information states that there are no Bank of China POS transaction fees for purchases in mainland China or Australia through UnionPay POS terminals. ATM withdrawal fees can apply when using UnionPay ATMs outside Australia. Other countries and regions can also have applicable POS transaction fees.
Third-party ATM operators or merchants may impose separate charges.
| Transaction | General Bank of China Australia information |
|---|---|
| UnionPay POS purchase in Australia | No Bank of China POS transaction fee stated |
| UnionPay POS purchase in mainland China | No Bank of China POS transaction fee stated |
| UnionPay ATM in Australia | No withdrawal fee stated for the listed service |
| UnionPay ATM outside Australia | Withdrawal fees may apply |
| Third-party ATM or merchant charges | May apply |
The applicable fees and exchange rates can change, so the current Bank of China Australia fee schedule remains the relevant reference for individual transactions.
Changes to the Great Wall International Debit Card
Bank of China Australia changed the product from the previous Great Wall International Dual Currency EMV Debit Card to the Great Wall International Dual Currency EMV UnionPay Debit Card effective November 15, 2025.
The change moved the product from a dual-network arrangement to the UnionPay payment network and removed EFTPOS processing. Under the revised arrangement, transactions are processed through UnionPay, and a merchant or ATM must support UnionPay for the card to be accepted.
Bank of China Australia noted that UnionPay acceptance is extensive but that it is not as broad as the former EFTPOS acceptance in Australia.
Card Types Available
Bank of China Australia identifies three Great Wall International Dual Currency EMV UnionPay Debit Card variants.
Classic Card
The Classic Card is positioned as the standard debit-card option for customers seeking access to their linked Bank of China accounts for payments and ATM withdrawals.
Student Card
The Student Card is designed for students and has lower transaction limits than the standard Classic product.
Gold Card
The Gold Card is designed for customers seeking higher withdrawal and transaction limits compared with the standard product.
Eligibility and Account Requirements
The Great Wall International Dual Currency EMV UnionPay Debit Card is connected to Bank of China Australia transactional and at-call accounts. Bank of China Australia states that the card is available to individuals who hold an eligible Bank of China Australia account.
Specific eligibility requirements, account conditions, transaction limits and fees depend on the applicable product documentation.
Great Wall UnionPay Card and International Payments
The card provides access to UnionPay's international payment network and can be used in overseas locations where UnionPay is accepted.
Bank of China has maintained UnionPay debit-card offerings across its overseas banking network, with the bank reporting that its overseas operations issue debit cards through several international payment organizations.
For the Australian Great Wall product, however, acceptance remains dependent on the UnionPay network because EFTPOS processing was removed from the product in November 2025.
FAQ
1. What is the Bank of China Great Wall UnionPay Card?
It is a UnionPay debit card issued by Bank of China Australia that can be linked to eligible AUD and CNY accounts.
2. Is the Great Wall UnionPay Card a credit card?
No. The Great Wall International Dual Currency EMV UnionPay product described by Bank of China Australia is a debit card linked to Bank of China Australia accounts.
3. Can the card be used in China?
Yes. Bank of China Australia states that the card can be used for payments and cash services in mainland China at locations supporting UnionPay.
4. Can the card be used online?
Yes. Online purchases are supported through UnionPay Online Payment when the relevant facility is enabled.
5. Does the card support contactless payments?
Yes. The card supports UnionPay QuickPass contactless transactions at compatible terminals.
6. Does the card support QR payments?
Yes. Bank of China Australia lists UnionPay QR-code payment support and selected integrations involving WeChat and Alipay.
7. What happened to the previous Great Wall International Debit Card?
From November 15, 2025, Bank of China Australia changed the product to the Great Wall International Dual Currency EMV UnionPay Debit Card and removed EFTPOS processing.
Final Verdict
The Bank of China Great Wall International Dual Currency EMV UnionPay Debit Card is a UnionPay-based debit product from Bank of China Australia that provides access to linked AUD and CNY accounts. Its features include domestic and international UnionPay payments, ATM access, contactless transactions, online payments and selected QR-code services. Since November 2025, the Australian product has operated through the UnionPay network rather than the former UnionPay and EFTPOS combination.
.png)
Post a Comment