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Uni5Pay+ by Scombank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Uni5Pay+ suits anyone spending and withdrawing abroad who would rather keep currency costs at 0%, and it holds position 1 out of 181 cards compared on that fee. The trade-off is points rather than cash, and an operation based in China with a Chinese-language support line.

Key facts

Best for
Paying and withdrawing abroad with the conversion fee sitting at 0%.
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Perks
Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, Chinese-language customer service hotline (Source, checked September 26, 2026)
Legal entity
UnionPay International Co., Ltd. (Source, checked September 26, 2026)
Headquarters
China (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
unionpayintl.com

Debit cards

Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Legal entity
UnionPay International Co., Ltd. (Source, checked September 26, 2026)
Headquarters
China (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Currency conversion of 0% on overseas use, against 1% at Oney and 3% to 5% at National Bank of Kuwait Cards.
  • Overseas spending settles in RMB at the market exchange rate, so there is no need to buy foreign currency in advance.
  • A debit card that pays points on everyday spend, with no fee when paying at merchants abroad.
  • Support on email, phone and help centre, covering both phone and written queries.

Cons

  • Support runs on email, phone and help centre only, with no live chat in the list.
  • Rewards come as points rather than cash back, so what they are worth depends on how you use them.
  • The operation is based in China and the listed phone line is a Chinese-language hotline, which puts more on cardholders outside the home market.
Uni5Pay+ by Scombank

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Who it suits

  • Anyone paying in several currencies who wants the conversion charge kept at 0%.
  • Overseas spenders who would rather settle in RMB at the market exchange rate than hold foreign currency in reserve.
  • Card users who want points alongside a debit card.

Who should look elsewhere

  • Readers who prefer Revolut, where the currency conversion fee runs 0% to 1% rather than sitting flat.
  • Anyone who would rather deal with a bank card at National Bank of Kuwait Cards, where the fee runs 3% to 5%.
  • Readers who shop mainly in a single market and are content with a standard charge of 1% at Oney.

The company behind it

Uni5Pay+ is listed under UnionPay International Co., Ltd., whose head office is in China. Support runs on email, phone and help centre, so email, phone and a help centre are all in place, with the help centre carrying the routine questions. Anyone outside the home market works through the same channels as customers at home.

How Uni5Pay+ by Scombank compares

Frequently asked questions

What does it cost to spend in another currency?+

Overseas spending and withdrawals convert at 0%, so the card adds nothing to using another currency. Oney charges 1% on conversion, and National Bank of Kuwait Cards runs 3% to 5%, so the gap is widest for people who pay abroad regularly.

Is Uni5Pay+ a debit card or a credit card?+

A debit card means purchases come straight from the balance you hold, with no borrowing involved and no interest rate to weigh against a credit card. Rewards land as points on the spend, so the card behaves like other debit products in the comparison.

What do I earn for spending on the card?+

Spending earns points rather than cash, which suits people who would rather watch a balance build on the account. Paying at merchants abroad carries no fee either, so the earn is not trimmed by a conversion charge on the transaction.

Do I need to buy foreign currency before I travel?+

You do not need to buy foreign currency before a trip, because overseas spending settles in RMB at the market exchange rate, and the card charges 0% on conversion. That suits anyone who prefers to keep a single balance rather than hold a stash of the currency they are visiting.

How do I get help, and in which language?+

Help runs on email, phone and help centre, so you can pick email, phone or the help centre depending on the problem. The listed service line is a Chinese-language hotline, which is worth knowing before relying on phone support from outside the home market.

Who runs the card?+

The card sits with UnionPay International Co., Ltd., which is headquartered in China. That shapes who issues it and where complaints are handled, so anyone outside the country should read the account terms for the legal entity before applying.

How does it compare with other cards on currency costs?+

On currency conversion the card holds position 1 out of 181 brands compared, which is why cost is its strongest side. Revolut runs 0% to 1% and Oney 1%, so the difference at the sharp end is small but clear.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

Uni5Pay+ by Scombank

Uni5Pay+ by Scombank

Paying and withdrawing abroad with the conversion fee sitting at 0%.

9.4/10See alternatives