In what countries can my UnionPay Card be accepted by merchants and ATMs?

Currently, UnionPay network has been expanding into a lot of countries and regions, including Hong Kong, Macao, Taiwan Region, Japan, Korea, Singapore, Malaysia, Thailand, Australia, New Zealand, USA, France, Germany, Britain, Switzerland, etc. In these countries and regions, ATMs and merchants are gradually being connected to the UnionPay network. Therefore, not all ATMs and POS terminals accept UnionPay Card. But irrespective, UnionPay Cards can be accepted by all ATMs or POS terminals labelled with the UnionPay logo. Due to local customs of some overseas countries and regions, UnionPay logo is only shown on the screens of ATMs that accept UnionPay Card (such as in Europe), which requires particular attentions from cardholders. Besides, ATMs accepting UnionPay Card in some countries need to be identified by some bank logos. For details, cardholders can inquire the card-using tips for each country in “Global UnionPay Card”.

You will need a valid Passport with at least 6 months’ validity and an Employment Pass with at least a validity of 6 months as well, along with the latest billing proof within the last 6 months as per your local home address such as telephone or utilities bills etc. and Income documents, being any of the Latest Computerised Payslip (in Singapore Dollar currency) or Latest Income Tax Notice of Assessment + Latest Computerised Payslip (in Singapore Dollar currency) or Company Letter certifying Employment and Monthly Salary (in Singapore Dollar currency) dated within 3 months.

Transactions made in SGD and processed outside Singapore using Visa or MasterCard respectively and will be subject to a fee of 1% of the transaction amount. A fee of S$40 will be imposed if the total outstanding Card Account balance exceeds the total Credit Limit at any time. If the outstanding is not paid in full, the payment received is first applied to repaying all outstanding balances or accrued interest with the highest interest rate.

There are many ways to invest your money. You could invest it by opening a high yeild savings account for emergency purposes or you could invest all of it on CPF. There is also an option of dividing the money and putting half of it in your savings account and putting half in CPF. Eitherway it all depends on your current financial status and necessities.

If you are a tourist then you don't need to worry because it will not apply to those with a temporary presence in Singapore, It will only apply to foreigners who are holders of Work Passes, Long Term Visit Passes, Short Term Visit Passes, Dependant's Passes and Student Passes.

You need not worry about using your credit cards when buying your medical supplements here in Singapore. There are big pharmacies that accepts credit card transactions .You can just go directly to the local pharmacy, show your medical perscription i your medication needs one and just ask them to swipe your credit card and then you're good to go.

Investing your money allows you to have another option fr financial stability in case you want to stop working and still be able to financially be able to support yourself. Investing your money could also help you beat the current inflation rate. This way you can also save for your retirement and get more in return.

A bond is debt instrument that a government or a company issues to raise money.. Bonds are low-risk, stable and predictable investment. Investors earn from this because the investors act as a lender and the government acts as the borrower.

According to ValueChampion's findings, undergraduate programmes pertaining to computing, engineering, architecture, pharmacy and law tend to have the highest level of return on investment on their tuitions immediately upon graduation. In particular, a bachelor's degree in law stood out as having the 2nd highest median gross monthly wage* and the 5th highest full-time employment rate.