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Great Wall International Dual Currency Debit Card

Great Wall International Debit Card ( GWI Debit Card) is a debit card which is co-branded by EFTPOS and China UnionPay and can be linked to one or more of your Savings Accounts held with Bank of China (Australia) Limited.

A GWI Debit Card will normally be accepted by most financial institutions, merchants and ATMs in Australia and Mainland China. In other countries and regions, where China UnionPay sponsored cards are accepted, the card will normally be accepted by financial institutions, merchants and ATMs displaying the UnionPay ( 'UP' ) symbol.

1. Functions & Features (*Terms and Conditions apply)

(1) Domestic Use

In Australia, you can withdraw cash from ATMs, and to pay for goods and services, directly from your selected linked AUD account. You can do this at most retail and service outlets.

(2) Overseas Use

GWI Debit Card can be used worldwide where China UnionPay sponsored cards are accepted.

(3) Access to your Savings Accounts in AUD & in CNY

GWI Debit Card can be linked to one or more of your Savings Accounts with us (either in AUD or in CNY). But no more than 2 accounts may be accessed in order to complete a transaction (where those 2 accounts have also been linked for this purpose at your request).

(4) Auto-link to different Savings Accounts

Auto-link is a feature that we offer to account holders who have more than one account with us.

In Mainland China, when using your card to withdraw money from ATMs, or to pay for goods and services, your card will seek access to the funds you hold in your linked CNY account (if you have one) or to funds you hold in your primary linked AUD account (if you don’t have a linked CNY account). If you have a linked CNY account and the available funds in that account are not sufficient for the whole of the requested transaction to be processed, then (where you have requested this facility) the card can automatically access your funds held in your primary linked AUD account ( for the whole of the amount of the transaction). You will need sufficient funds in the relevant account to allow us to complete a requested transaction.

In countries other than Mainland China and Australia, when using your GWI Debit Card to withdraw money from ATMs, or to pay for goods and services, your card will first seek access to the funds you hold in your primary linked AUD account. If the funds in your primary linked AUD account are not sufficient for the whole of the transaction, one of the following will occur. If you have not arranged with us to link your CNY account (if any) to your Primary linked AUD account, the transaction will be declined. If, however, you have arranged with us to link your CNY account (if any) to your primary linked AUD account, the card can then automatically access funds in that linked CNY account. If there are not sufficient funds in that linked CNY account, the transaction will be declined.

(5) Choice of different card types

There will be different categories of debit card available: Premade Classic Card; Premade Student Card; Premade Gold Card; Personalized Classic Card; Personalized Student Card;

Personalized Gold Card. You can apply for a debit card based on your personal needs.

(6) Transaction fees

No POS terminals transactions fees when purchasing in Mainland China or Australia (Eftpos). No transaction fees when doing withdrawals or balance enquiries from ‘Bank of China ‘branded ATM in Australia. No transaction fees when doing balance enquiries from UP branded ATM or ‘Bank of China’ branded ATMs in Mainland China.

(*Terms and Conditions apply:  Please read the <Great Wall International Debit Card Product Disclosure Statement and Conditions of Use>or < Great Wall International Debit Card Fees & Charges and Transaction Limits Table> for more detailed information.)

2. Choose Your GWI Debit Card:

When you apply for GWI Debit Card, you can choose the type of card you want.

(1) Premade GWI Debit Card

A premade GWI Debit Card (without your name printed on it) can be issued and activated immediately, at any of our retail branches in Australia.

(2) Personalized GWI Debit Card

Alternatively you can request us to issue a GWI Debit Card with your name on it. This card can then be mailed to you or you can pick it up at any of our retail branches in Australia. It will be available approximately two weeks after our receipt of your request.

3. We provide you 24 hours Customer Service Hotline to assist you with your product general enquires, online service PIN reset, report lost card and report dispute transaction.