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ICBC UnionPay Dual Currency Debit Card

Hold up to eight currencies in sub-accounts with this debit card.

If you often make trips overseas, including to Mainland China, then you could find the ICBC UnionPay Dual Currency Debit Card is a card that works for you. Read on to find out more about the ICBC UnionPay Dual Currency Debit Card, including the eligibility requirements of this debit card.


Annual Fee


Minimum Initial Deposit


Product NameICBC UnionPay Dual Currency Debit Card
Annual FeeS$0
Joint accountsNo
Card typeVisa
Mobile paymentsApple Pay, Google Pay
More Info

Features of the ICBC UnionPay Dual Currency Debit Card

  • Multiple currencies. Convert funds between RMB and Singaporean dollars using the Bank’s real-time exchange rate, helping you to save on fees. Your account can hold up to a total of eight currencies in sub-accounts.
  • Balance sweeping. You can set up a base currency account for balance sweeping, so your account will be automatically topped up from a base account if you have an insufficient balance.
  • SMS alerts. You can receive real-time SMS alerts about account balance charges.
  • Contactless payments. Terminals with the UnionPay logo accept your UnionPay card, meaning fast and hassle-free payments for purchases of S$100 or under.
  • On-the-go banking. Enjoy fast Internet Banking and mobile-based services.

What fees and limits apply?

  • No annual fee
  • ATM withdrawals and ATM balance enquiries at ICBC ATMs in mainland China are free. Cash withdrawals at other ATMs in mainland China come with an RMB20 charge along with an RMB4 charge for balance enquiries.

    How to apply for the ICBC UnionPay Dual Currency Debit Card

    You currently need to visit an ICBC branch in-person to apply for this debit card. Just make sure you meet the eligibility criteria and have the correct documents to hand before doing so.

    Eligibility criteria

    For the ICBC UnionPay Dual Currency Debit Card, you must be aged 18 years or above. An initial deposit of S$500 (or an approved currency equivalent) is needed to open this account.

    Required documents

    Singaporean Citizens and Permanent Residents (PRs)

    • NRIC (Front and Back)


    • A valid pass issued by ICA (with more than 6 months’ validity); passport (more than 6 months’ validity); proof of address, such as another bank account statement, phone bill, etc.

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