Russian UnionPay Transactions: how it works in South Korea — first-hand
Short answer
Carry USD or EUR cash for exchange in city centers like Myeongdong, as Russian UnionPay cards are unreliable for payments and ATM withdrawals. If using UnionPay, prefer CNY-denominated cards from banks like ATB and always have alternative payment methods available.
From real experience
Withdrawing cash from ATMs in South Korea is generally possible using UnionPay cards at major Korean bank ATMs (Shinhan, NH, Woori, Hana).
Russian bank cards like RosSelkhozbank might work, but it's advisable to confirm conditions beforehand. For currency exchange, particularly for older US dollar bills, it's recommended to use exchange offices in city centers like Myeongdong, as rates are typically better than at the airport. Exchange offices may offer slightly less favorable rates for older USD bills compared to newer ones, but it remains a viable option.
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For K-ETA payment and use in South Korea, UnionPay cards are recommended.
Opening a UnionPay card in CNY (e.g., from RSHB or ATB banks in Russia) is advisable for broader acceptance, including K-ETA payments (which may require a VPN workaround) and online Chinese platforms. For South Korea, ATB Bank's UnionPay cards are noted for better international acceptance compared to RSHB. It's crucial to carry USD or EUR cash for exchange into KRW upon arrival, as UnionPay cards can have variable acceptance for online transactions and cash withdrawals. K-ETA payments cannot be made with cards like Sberbank or Tinkoff.
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Payment with Russian UnionPay cards in South Korea is inconsistent.
While some users report successful transactions in various stores (e.g., Olive Young, Daiso, clothing stores), many experience difficulties or outright rejections. Cards are generally more reliable for ATM cash withdrawals. The success rate may vary depending on the specific bank and merchant. It is advisable to have alternative payment methods, such as USD cash for exchange or a local Korean card.
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For travel to South Korea, it's recommended to have some Korean Won for initial expenses like airport transportation.
US Dollars or Chinese Yuan are suggested for larger amounts, as exchanging USD to KRW within Korea can be difficult. Bus tickets to the airport can be purchased with T-money card or cash directly on the bus (around 17,000 KRW). Russian UnionPay cards may encounter issues, sometimes requiring additional digits after the PIN or facing blockages.