What Is UnionPay and How Does Money Express Work
UnionPay is the world's largest payment system by number of cards. How it works, what Money Express is, and how to transfer to UnionPay from Uzbekistan.
The biggest payment system you rarely hear about
UnionPay is China's national payment system, founded in 2002. By number of cards issued, it has long overtaken Visa and Mastercard: more than 9 billion cards worldwide. UnionPay cards are issued in 64 countries and accepted in 180 — from China and Southeast Asia to Europe.
For people in Uzbekistan, UnionPay matters for one reason: it's the primary card of every resident of China, which makes it the most direct way to send money there.
What Money Express is
Money Express is UnionPay International's official money transfer service: the transfer moves card-to-card within the payment system itself, with no chain of correspondent banks. That's exactly why crediting takes seconds, not days.
In Uzbekistan, Money Express transfers are available through the Unired app: you send som, and the recipient gets yuan on their UnionPay card.
How secure the system is
Every Money Express transaction goes through multi-layer encryption and is overseen both by UnionPay International and by the partner bank in Uzbekistan — JSCB "Universalbank," licensed by the Central Bank of Uzbekistan. A transfer can't be "intercepted": the money is credited strictly to the card with the specified number.
Who this is useful for
Students and their parents, entrepreneurs paying for goods, families with relatives in China, freelancers receiving payment from Chinese clients, and travelers topping up their own card before a trip.
Frequently Asked Questions
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