信用卡币种“升级” 多银行将美元切换为人民币

21世纪经济报道
Sep 18, 2025

信用卡支付出现一项变化。  近期,多家银行对信用卡的外币交易进行了币种升级,将过去以美元入账切换为支持人民币入账。截至目前,已有招商银行(600036.SH、3968.HK)、平安银行(000001.SZ)完成了这一调整。  这一细微的调整,将缩短跨境支付的汇兑流程。过去,非美元的境外消费需经过“当地币种→美元→人民币”两次汇兑,而完成币种切换后,将省去其中一次,这将降低因汇损带来的“摩擦成本”,...

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