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Union Pay classic card

Maximum daily cash withdrawal limit

5,000,000 MNT

Maximum daily purchase limit (POS)

5,000,000 MNT

XAcBank атм cash out fee



Frequently asked question

Click here to see frequently asked questions.

Union Pay classic card

You can make all your personal payments using this Dual Brand card.


  • Make payments both domestically and internationally without complications;
  • You will be able to proceed international payments using your MNT account, where non-cash exchange rate will apply depending on the currency of your transactions;
  • Currency of your choice such as MNT, USD, and CNY will be connected to your card;
  • The payment will proceed through your account which has the same currency as the transaction currency, hence there is no loss from currency exchange;
  • No minimum balance is required;
  • Link all your current accounts at XacBank to your payment card and make payments and settlements using internet bank and ATM;
  • Open overdraft credit accounts;
  • Receive services from all card servicing entities in Mongolia and abroad
  • Withdraw cash (CNY) at “Bank of Inner Mongolia” branches.

Terms and conditions:

Fees and charges
Annual fee
MNT 10,000
Minimum balance required
Maximum daily cash withdrawal limit
MNT 5,000,000
Maximum daily purchase limit (POS)
MNT 5,000,000
Card replacement fee
MNT 10,000
PIN code recovery fee /at branch/
MNT 1000
PIN code change at ATM
Cash withdrawal
Abroad /АТМ/
1.5% or equal to MNT 3000
XacBank branch /USD, CNY/
XacBank branch /MNT/
Balance inquire on an ATM
XacBank ATMMNT 0
Other domestic banks' ATM
MNT 100
Abroad bank ATMMNT 1000 or equal currency
Cash withdrawal at “Bank of Inner Mongolia” branches
Maximum daily limit 200,000 CNY
Minimum single transaction amount 10,000 CNY

Required documents:

  • If Mongolian citizen - Id or international passport of Mongolia;
  • If foreign citizen - Certificate of alien registration

Online loan which is able to solve your problems easily.

Amar loan


What to do when lost/stolen you card?

Please call the Customer Service Center at 1800-1888. The card will be temporarily closed, you will have to open the card and request the card at the nearest XacBank branch and settlement center if you find your card
If you want to order a new card, please go to your branch to order a new card.
Lost/stolen card is not reported to bank immediately, any unrecognized transactions would be cardholder's responsobility.

What can I do if I forgot my password?

If you forgot or blocked PIN code of your payment card, you can use our digital bank and select PIN change function from the card menu, to renew your PIN code. If you are not registered in our digital bank, please click HERE to register. 

Click HERE to see video tutorial of changing PIN code. 

how to make online purchase?

Please get an E-pin code from XacBank ATM (without charge). 

When you do online purchase provide with below card details:

  • 16-digit number on the front of card;     
  • Card expiration date;     
  • E-pin code from ATM;     
  • CVV2 code at the back of the card.

How much money can I withdraw from ATM?

One-time bills for ATMs in Mongolia are limited to 40.

But internationally, one-time transaction limit is different for depends on banks.

How much is the daily transaction limit?

The daily transaction limit for each card is different.

Card type

Maximum cash spending per day

Maximum purchase transaction

VISA FIFA World Cup Qatar 2022 themed official card
10,000,000 MNT
10,000,000 MNT

₮ and UnionPay dual brand card

5,000,000 MNT

5,000,000 MNT

VISA card

5,000,000 MNT

5,000,000 MNT

Platinum card (Visa, UPI)

20,000,000 MNT

20,000,000 MNT

Temuulel card

250,000 MNT

1,000,000 MNT

Credit card

30% of credit card limit

Credit card limit

Click here to see other FAQs