长城环球通借记卡是中国银行借记卡系列产品之一，是中国银行面向大众推出的现代化电子支付工具，具有安全、方便、通用特点，集美元、人民币储蓄存款管理、购物消费等各种功能于一身。以借记卡为载体，客户可方便使用中国银行柜台网点，ATM机等自助终端服务，实现一卡通用。

Great Wall international dual-currency debit card, which belongs to BOC debit card product series, is a safe and convenient modern e-payment instrument integrating the functions of savings by both USD and RMB currency, deposit, withdrawal, ATM services and card payment. With the card, customers can get access to kinds of self-service terminals including networked ATMs of Bank of China and Bank of China outlets as well.

用心关注您每一个生活细节，全方位满足您每一个理财需求。中国银行借记卡是您日常生活的好管家。

Great Wall international dual-currency debit card can be a professional house keeper in your daily life which cares details in your life and fits for your overall wealth management need.

产品名称

长城环球通借记卡

产品功能

ATM服务：可7X24小时在我行ATM上办理取款、查询账务余额等业务，并可在境内外其他银行带有“银联”标志字样的ATM上办理取款和查询等业务，不受网点营业时间限制，方便快捷。

ATM service

Customers can handle various transactions such as withdrawal, balance inquiry on networked ATMs of Bank of China around 7X24 hours without being subject to service hour restraints of outlets.

购物消费：凭卡及预留密码，可在中国银行特约商户和全球带有“银联”标志的商户（商场，酒店，娱乐场所等）刷卡消费，无需支付任何手续费，一卡在手，为您免去携带现金的诸多麻烦。

Card payment

With the card and preset password, customers can make payment for consumption by swiping card at the bank’s appointed partners and merchants with “UnionPay” logo (shopping malls, hotels and entertainment venues) home and abroad without any handling fee. With this card, customers can save a lot of trouble of carrying cash.

安全保障：为保证持卡人资金安全，在领取新卡后，客户需立即凭该卡原始密码在中国银行网点柜台或ATM进行改密，并在使用中注意保密，防止他人窥视或盗取

Safety guard

For account safety, customers are recommended to reset the password at networked ATMs of Bank of China and Bank of China outlets upon getting the new card and guard against should surfing and theft during usage.

交易限额：持卡人凭卡及密码，在ATM机上取款每日累计最高限额为1000美元或10000人民币，在商户消费限额为100,000美元或700,000人民币，但不能透支。

Maximum transaction amount

With the card and password, the customer can withdraw cash on ATMS with a daily maximum accumulative amount of USD 1000 or RMB 10000. In case of making payment for consumption by swiping card, the daily maximum accumulative amount will be up to USD 100000 or RMB 700000. Overdraft is not allowed.

产品特点 Features

A 双币种帐户、多币种功能

长城环球通借记卡以人民币和美元结算帐户为基础，可以办理办理人民币和美元活期存款、取款，避免保管各类存折、存单的不便。在币种上，您仅需要向长城环球通借记卡中存入人民币或美元，就可以在境内外办理多种货币例如人民币、港币、英镑、美元等ATM支取、刷卡消费。

One card linking dual currency accounts and multiple currency functions

Great Wall international dual-currency debit card, linking together with USD account and RMB account, enables the customers for current deposit and withdrawal with both USD and RMB so as to get rid of the inconvenience and risk incurred from carrying many passbooks and deposit certifications. By depositing RMB or USD in the card, you are able to withdrawal cash or making payment for consumption by swiping card in multiple currencies such as RMB, HKD, GBD, USD, etc.

B 在中国境内取款或消费，无兑换手续费

凭您的卡和密码在中国境内ATM支取现金或在POS机上刷卡消费，直接以人民币清算，免去携带现金兑换人民币的风险。

No exchanging fee will be charged for withdrawal or payment in China's mainland.

With the card and password, customers withdraw cash at the ATMS in China mainland or make payment for consumption by swing card at the POS machines in China mainland, the transaction will be denoted in RMB, so as to get rid of the inconvenience and risk incurred from carrying the dollars to exchange into RMB. 

C 双账户联动，汇率更优

凭您的卡和密码在中国境内ATM支取现金或POS机上刷卡消费，若您人民币账户内余额不足，直接从您账户内扣取美元以现汇价兑换成人民币清算，比直接携带美元现钞兑换更合算。

Dual account automatically activate with preferential exchange rate

With the card and password, customers withdraw cash at the ATMS in China mainland or make payment for consumption by swing card at the POS machines in China mainland, if balance is not sufficient to support the transaction in the customer’s RMB account, the transaction will be automatically converted to USD at selling rate and deducted from the customer’s USD account which will be more preferential than carrying the USD notes to exchange into RMB.

D 全面整合电子银行，服务跨越时空

您可使用长城环球通借记卡在ATM、网上银行上办理各类业务，享受7X24小时无限制的自主服务。 您在办理长城环球通借记卡时，可同时申请开通网上银行，也可随后凭身份证件和卡到我行网点办理注册。

Full range of e-banking services without time and geographic restraints

Customers can easily handle various transactions at ATMs and online banking with the card for self services around 7X24 hours. Customers may apply for Bank of China’s online banking services upon applying for the card, or bring along with the valid identity documents and the card and come to our outlets in person for online banking service application.

E 刷卡消费，优惠多多

您可以持卡于柬国众多商场餐厅刷卡消费，竞享中行贵宾折扣，比如LUCKY DEPARTMENT STORES、LUCKY SALON&SPA、鱼生、KANJI、SECRETE RECIPE等

Enjoy various special offers upon swiping card for consumption

Customers can enjoy special discounts offered by the merchants for our cardholders only as long as make payment for consumption by swiping our card at the bank’s appointed various shopping malls and restaurants, such as LUCKY DEPARTMENT STORES, LUCKY SALON&SPA, 鱼生, KANJI, SECRETE RECIPE, etc.

温馨提示 TIPS

卡挂失及密码挂失

当您遗失卡或遗忘密码时，可以拨打服务电话或到就近中国银行网点办理。

Card or password loss

For card or password loss reporting, customers should report the loss via the bank’s service telephone or at outlets of Bank of China nearby.

换卡及取消卡

当您的借记卡卡片损坏，借记卡磁条信息丢失或者需要销卡时，请您本人携带借记卡、存折及有效身份证件到发卡网点办理换卡或销卡手续。

Card replacement or cancellation

In case of your debit card broken, excitation loss or other situation, customer should go through card replacement or cancellation procedure with debit card, passbook and valid identity documents at the issuing outlet.

安全用卡须知　 Tips for safety concern

• 领卡后请立即更改密码

Reset the password upon getting the new card

A 在申领借记卡后，请您立即在柜台或　  ATM更改您的借记卡使用密码。设定与借记卡关联的存折密码应避免与借记卡使用密码及电话银行密码相同。

A. Customers are recommended to reset the password over our counter or at our ATMs and try to avoid to use the same password of your debit card and telephone banking service on the relating deposit account.

B 密码设定应避免选用多个重复数字，个人身份证号码，出生日期，电话号码或其他易被他人获取的个人资料作为私人密码。

B. When selecting your own password, you should avoid using number combinations that can easily be guessed such as repeating numbers, your identity document number, birth date, telephone number or other such information easily obtainable by others.

• 妥善保管，注意保密

Properly keep for confidentiality

A请您牢记私人密码，在任何情况下都不要将您的借记卡及密码转借或交予他人使用，避免不必要的纠纷及损失。

A. Please keep your personal password in mind and do not let others to keep or use your debit card and password under any circumstance so as to avoid unnecessary dispute or loss.

B 尽量将借记卡、存折和身份证等证件分开存放，切不可将卡、折、证件及密码存放在一起，一旦丢失将给您办理挂失等手续带来不便，更有可能由此造成资金损失。

B. Please keep your debit card, passbook and identity documents separately as far as possible. It is strongly discouraged for security concern that keeping the card together with the passbook, identity documents and the password. Please take note that careless keeping may result in not only inconvenience incurred from loss reporting procedure but also serous financial loss to you.

C 避免在卡上或任何与卡一起存放的物件上写上私人密码，或对私人密码不加掩藏。

C. Written records of your password is strongly discouraged for security reasons. If you really need to keep such records, you must keep them separate from your Card at all times.

• 安全使用，防止资料被盗

Careful usage to avoid information release

A 对于使用中不清楚的事项，不要向陌生人咨询。如遇问题可向我行任一网点柜台查询或拨打借记卡服务热线，我行将有专业人员为您解答相关问题。

A. If you have any doubt during usage, please require a clarification from our counter or via our service telephone instead of consulting from strangers.

B 在银行柜台、ATM机及公共场所使用POS机刷卡消费时，输入密码时须防止旁人偷窥盗取。POS机消费时要监督收银员操作，如遇重复刷卡并要求您重复输入密码时，务必确认未发生重复交易。在签购单、取款单签字确认前，应注意核对卡号、金额是否正确，确认无误后方可签名。妥善保留有关单据，以备核对。

B. Wheninputtingthepassword over bank’s counter, ATMs or POS machines,youmustguard against shoulder surfing and theft. Please keep an eye on the cashiers when swiping card on POS machines. Please check whether the transaction is performed more than once when you are required to swipe the card and input the password again. Please verify the card number and amount shown and make sure they are correct before you sign on the issuedcredit voucher or withdrawal voucher. Please keep relevant voucher properly in case of verification.

C 注意ATM机交易安全，取款前请留意ATM机吐钞口及密码键盘有无异样或被改装，输入密码时须注意遮挡，防止被不法分子直接利用摄像装置窥取。取款后及时取走或销毁ATM交易流水单，不要随意丢弃，防止原始资料被不法获取，造成资金损失。任何时候不要将自己账户资金转入不知名账户，银行从不会向客户作此要求。

如发生取钱未吐钞或卡片未被退出，不要轻易相信黏贴在ATM机上的任何咨询电话，尤其不可在电话中或向任何来人吐露您的私人密码。银行办理任何业务时，均不会要求客户告知密码。我行统一客户服务电话为00855-23988886（工作时间）或00855-81988885（非工作时间），无其他借记卡业务咨询电话。

C. Please aware of security upon ATM transaction by paying attention to any abnormal appearance or suspicious intentionally conversion on the ATM, especially the cash-out shutter and the pin pad. When inputting password, you must take reasonable precautions to shield from shoulder surfing or theft by some photographic devices. Take away or destroy the issued withdrawal voucher after cashing from the machines to avoid financial loss incurred from original information reveal or theft upon careless keeping relevant transaction documents. The bank never requires customers to transfer money into stranger’s accounts at anytime so please do not perform any similar instruction.

If the ATM fails to cash out or return your card, do not believe or call any consulting telephone number pasted on the ATM, not to mention that reveal your password to anyone around or through the phone. The bank never asks the customers to offer password either in written form or verbally. Our official customer service number specifically for debit card business is 00855-23988886 during working hour or 00855-81988885 for non working hour. No other consulting telephone number regarding debit card business is available.　

• 及时核对账户资金

请定期补打存折，核对交易明细及账户余额，如有疑问或发现异常交易，请及时向发卡行查询或投诉。

Check your account checking regularly

Please have your passbook printed and verified the occured transactions and balance. Any doubt or unnormal transaction found, please inquire the issuing bank in time.

• 销卡手续应办理完全

在银行柜台办理销卡应及时索取销卡业务回单，确认借记卡已被银行柜员回收并当面将磁条剪角损毁。

Card cancellation procedure shall be fully completed.

For card cancellation conducted over counter, please ask for the handling voucher in time and make sure the debit card has been returned to the bank and the magnetic stripe has been cut properly by the teller so that the card cannot be abused by others.