What is more profitable: ruble or yuan UnionPay card?

The yuan card is definitely more profitable for purchases, as it saves about 2% compared to the ruble card due to fewer conversions. When paying with a ruble card, a double conversion occurs: purchase currency → yuan → rubles, which increases hidden fees. With a yuan card, there is only one conversion: purchase currency → yuan, which reduces costs.

For cash withdrawals, the difference is less obvious due to fees and minimum amounts, but overall, the yuan card, topped up through a brokerage account, remains the most profitable option. The ruble card is easier to use, but if you travel frequently and spend a lot, the savings with a yuan card will be significant. We do not recommend dollar and euro cards—they are the least profitable due to triple conversion.

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