Bangladesh lies on the delta formed by the Ganges River in the northeast of South Asia subcontinent and the lower reaches of Brahmaputra Rivers. It is bordered by Myanmar to the southeast, India to the north, east and west, and by the Bay of Bengal to the south. The country is characterized by fertile and flat alluvial plains which are dissected by numerous connecting rivers as well as streams, so it is suitable for agriculture and fishing. However, it is vulnerable to flood in rainy seasons. The delta of the Ganges River and Brahmaputra Rivers covers more than 80% areas. The rivers are interconnecting and the watercourses are developed. The rivers and lakes account for 10% of the country area. The coastal areas mostly are isles and shoals. The southeast lies on Chittagong Hill with elevation ranging from 300-600 m. Saka Haphlong, 1,229 m high, is the highest mountain of Bangladesh. There is a tropical monsoon climate in the most areas and a tropical steppe climate of monsoon type in coastal areas. The monthly average highest temperature is 40.5℃. The rainfall increases from south to east. The annual rainfall is 1,300-2,500 mm. The rainy season is from June to October, when the rainfall accounts for 80% of the annual total rainfall. Cyclonic storm occurs quite often. Mineral resources include natural gas, coal, titanium, zirconium, to name just a few.
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UnionPay service opening time: December 2009
Local UnionPay service hotline: N.A.
Using the Card in POS Terminals
Application Range
Merchants with the UnionPay logo all accept UnionPay cards. Some merchants may not have put up the UnionPay logo, but cardholders can show their UnionPay cards and inquire of the cashier whether or not they are accepted.
Merchant Characteristics
At present, UnionPay special merchants in Bangladesh mainly include some brand franchised stores located in the capital Dhaka among others.
Accepted Cards
All UnionPay cards with the UnionPay logo.
Reminder: When using dual currency cards, cardholders are recommended to ask the cashier to choose the UnionPay network, so as to ensure the enjoyment of the various favorable treatments and services provided by the UnionPay network. Due to the purchase limits for credit card consumption, it is recommended to use UnionPay debit cards for large luxury related transactions, as they are subject only to the limit of the balance of the card.
Relevant Charges
No commission fee charged for overseas card-using.
Compared to other bankcard networks, the 1%-2% currency conversion fee is exempted when withdrawing cash via the UnionPay network. UnionPay will convert the amount of local currency withdrawn into that of RMB, and the bank will deduct that amount from the cardholder’s RMB account accordingly.
ATM Cash Withdrawal
Application Range
At present, the ATMs of HSBC and Standard Chartered bank accept the withdrawal and balance inquiry with UnionPay cards.
Accepted Cards
All bankcards with the UnionPay logo.
Reminder: Cardholders are recommended to use the UnionPay debit card for cash withdrawal while abroad since overdraft interest will occur when using a credit card.
How to identify ATMs that accept UnionPay cards?
ATMs with the UnionPay logo 
, HSBC logo
or Standard Chartered bank logo 
can accept UnionPay cards.
Chinese and English Interfaces
ATMs are installed with both Chinese and English interfaces, so the cardholder can select the language.
Charges and Cash Withdrawal Limits
For ATM cash withdrawals with UnionPay cards while abroad, follow the stipulations set by relevant state authorities: The daily accumulative withdrawal amount of foreign currency per UnionPay debit card shall not exceed the equivalent of RMB 10,000. Please consult the issuing bank for the daily cash withdrawal limits of the UnionPay credit card.
Certain amount of commission fee will be charged by the issuing bank for cash withdrawal while abroad. Please consult the issuing bank for more details on specific rates, the times of cash withdrawal each day with a single card, withdrawal limit per time, accumulative cash withdrawal limit, etc.
Compared to other bankcard networks, the 1%-2% currency conversion fee is exempted when withdrawing cash via the UnionPay network. UnionPay will convert the amount of local currency withdrawn into that of RMB, and the bank will deduct that amount from the cardholder’s RMB account accordingly
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