Recently, a number of small and mid-sized Chinese banks have announced the suspension or termination of overseas transaction capabilities for their issued bank cards. This move stems from multiple considerations, including risk management, regulatory compliance, and cost-effectiveness. As cross-border payment regulations tighten, some smaller banks—lacking robust anti-money laundering systems and real-time monitoring tools for international transactions—struggle to meet compliance requirements set by China’s State Administration of Foreign Exchange (SAFE) and the People’s Bank of China regarding cross-border fund flows. Additionally, overseas transactions entail significant operational and risk-control costs, while actual usage among these banks’ customer bases remains relatively low, resulting in poor return on investment. Consequently, disabling this feature has become a strategic choice to optimize resource allocation and focus on domestic services. It should be noted that major state-owned banks and several nationwide joint-stock commercial banks continue to offer overseas transaction services, while actively enhancing the security and compliance of their systems. Customers with frequent international travel needs are advised to check their card’s usage restrictions in advance and, if necessary, switch to banking products that support overseas payments to avoid inconvenience during trips abroad.
近期，多家中国中小银行陆续宣布暂停或关闭其发行的银行卡在境外的交易功能。这一举措主要出于风险防控、合规监管以及成本效益等多方面考量。随着跨境支付监管趋严，部分中小银行因缺乏完善的反洗钱系统和境外交易监控能力，难以满足国家外汇管理局及人民银行对跨境资金流动的合规要求。此外，境外交易涉及较高的运营与风控成本，而中小银行客户群体中实际使用境外支付的比例较低，导致投入产出不成正比。因此，关闭该功能成为优化资源配置、聚焦本地业务的一种策略选择。值得注意的是，大型国有银行和部分股份制银行仍保留境外交易服务，并持续加强相关系统的安全与合规建设。对于经常有出境需求的用户，建议提前了解所持银行卡的使用限制，必要时可更换支持境外交易的银行产品，以避免出行期间支付受阻。
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