The article that you refer to states....Of the five big banks, all except Toronto-Dominion allow UnionPay cards to be used in ATMs, and TD is expected to join in soon.
HSBC is not one of the 5 big banks in Canada. They are:
TD (now has union pay since this article was written)
so to answer the original question in the post, HSBC does not accept union pay for withdrawal at the machine.
You are clearly wrong about the merchants, also obviously wrong about the limit and wrong about the ATM card but if in doubt, check with HSBC in HK. A quick phone call will confirm it.
From an old article:
An HSBC spokesman said: "For security reasons, we are allowed to link to only one pay system - we use UnionPay."
He added that ATM card customers can withdraw cash from all HSBC ATMs in the world - except in Argentina, Brazil, France, Greece, Malta, New Zealand, Panama and Turkey - as well as from ATMs covered by the UnionPay network.
That sounds nice until you realize there are shitloads of countries without an HSBC presence that don't accept Unionpay. Having to run around a place in holiday trying to find the one magic ATM that takes the stupid Unionpay cards is a pain in the ass. Just get rid of it and get a proper card. Cirrus and Plus work on very ATM, no running around required.
Last edited by mrgoodkat; 10-02-2019 at 09:01 AM.
Not getting in a tit for tat. When youre stranded with no cash at a HSBC ATM that wont accept union pay card, youll realize unless theyve changed all the machines in the last 15min as I was just at one in Toronto that did not accept union pay.
I'm just gonna say there's no guarantee an ATM will work with your HK issued HSBC card just because an ATM says it accepts CUP.
Sources: the Canadian poster and myself (recently)