The banking sectors in all the following countries and regions have unique characteristics influenced by local economic conditions, regulatory frameworks, and customer preferences. We encourage youThe banking sectors in all the following countries and regions have unique characteristics influenced by local economic conditions, regulatory frameworks, and customer preferences. We encourage you

新手學院/Trading Guide/OTC/Card Approv...ate by Bank

Card Approval Rate by Bank

初階

Sep 4, 2025

The banking sectors in all the following countries and regions have unique characteristics influenced by local economic conditions, regulatory frameworks, and customer preferences. We encourage you to carefully review this report before making any transactions via credit or debit card, including Visa, Mastercard, Google Pay, or Apple Pay.

1. JPY

Credit/Debit Card Success Rate For Local Banks in Japan

Green text indicates a high success rate and is recommended for use.

Orange text signifies that it can be tried, but has a lower success rate.

Red text indicates an extremely low success rate and is not recommended for use.

Issue Banks in Japan	Japanese Name
PAYPAY CARD CORPORATION	Paypayカード株式会社
SBI SUMISHIN NET BANK, LTD.	住信ＳＢＩネット銀行株式会社
CREDIT SAISON CO. LTD.	株式会社クレディセゾン
RAKUTEN BANK LTD.	楽天銀行株式会社
ORIENT CORPORATION	株式会社オリエントコーポレーション
UC CARD CO. LTD.	ユーシーカード株式会社
RAKUTEN BANK, LTD.	楽天銀行株式会社
LIFECARD CO.,LTD.	ライフカード株式会社
AEON FINANCIAL SERVICE CO., LTD.	イオンフィナンシャルサービス株式会社
JAPAN POST BANK	株式会社ゆうちょ銀行
APLUS CO., LTD	株式会社アプラス
NTT DOCOMO INC	株式会社NTTドコモ
ACOM CO., LTD.	アコム株式会社
POCKET CARD CO., LTD.	ポケットカード株式会社
IDEMITSU CREDIT CO. LTD	出光クレジット株式会社
TAKASHIMAYA FINANCIAL PARTNERS CO. LTD	高島屋ファイナンシャル・パートナーズ株式会社
SEVEN CARD SERVICE CO. LTD.	株式会社セブンCSカードサービス
SURUGA BANK LTD.	スルガ銀行株式会社
AOZORA BANK LTD.	株式会社あおぞら銀行
DOGIN CARD CO. LTD.	道銀カード株式会社
BANK OF THE RYUKYUS LIMITED.	株式会社琉球銀行
HOKURIKU CARD CO. LTD.	株式会社北陸カード
AOYAMA CAPITAL CO., LTD.	株式会社青山キャピタル
OKINAWA CREDIT SERVICE CO. LTD	株式会社ＯＣＳ
THE GUNGIN CARD CO. LTD.	株式会社群銀カード
THE IYO BANK LTD.	株式会社伊予銀行
THE JOYO BANK LTD.	株式会社常陽銀行
SUMITOMO MITSUI CARD COMPANY LIMITED	三井住友カード株式会社
MITSUBISHI UFJ NICOS CO. LTD	三菱UFJニコス株式会社
WISE PAYMENTS JAPAN K K	ワイズ・ペイメンツ・ジャパン株式会社
SMBC TRUST BANK LTD.	株式会社SMBC信託銀行
UCS CO., LTD.	株式会社UCS
THE KYUSHU CARD CO. LTD.	九州カード株式会社
EPOS CARD COMPANY LIMITED	株式会社エポスカード
REVOLUT TECHNOLOGIES JAPAN INC.	REVOLUT TECHNOLOGIES JAPAN株式会社
MICARD CO. LTD	株式会社エムアイカード
GMO AOZORA NET BANK, LTD.	GMOあおぞらネット銀行株式会社
JACCS COMPANY LIMITED	株式会社ジャックス
RESONA CARD CO. LTD.	りそなカード株式会社
AU FINANCIAL SERVICE CORPORATION	auフィナンシャルサービス株式会社
THE HOKKOKU BANK LIMITED	株式会社北國銀行
THE CHIBA BANK LTD	株式会社千葉銀行
KYASH INC.	株式会社Kyash
MUFG BANK LTD.	株式会社三菱UFJ銀行
KANMU INC.	株式会社カンム
SHINKIN BANK CARD CO. LTD.	株式会社しんきんカード
THE BANK OF FUKUOKA LTD.	株式会社福岡銀行
SUMITOMO MITSUI TRUST CLUB CO., LTD.	三井住友トラストクラブ株式会社
THE ASHIKAGA BANK LTD.	株式会社足利銀行
CHUBU SHINKIN BANK CARD CO. LTD	株式会社中部しんきんカード
THE BANK OF YOKOHAMA LTD.	株式会社横浜銀行
THE MINATO BANK LTD.	株式会社みなと銀行
RESONA BANK LIMITED	株式会社りそな銀行
THE FFG CARD CO. LTD.	株式会社FFGカード
SONY BANK INCORPORATED	ソニー銀行株式会社
KINKI SHINKIN CARD COMPANY LIMITED	株式会社近畿しんきんカード
SAITAMA RESONA BANK LTD.	株式会社埼玉りそな銀行
THE SAN-IN GODO BANK LIMITED	株式会社山陰合同銀行
SB PAYMENT SERVICE CORP.	SBペイメントサービス株式会社
SHIKOKU SHINKIN CARD COMPANY LIMITED	株式会社四国しんきんカード
THE AWAGIN CARD CO. LTD.	阿波銀カード株式会社

2. TWD

Credit/Debit Card Success Rate For Local Banks in Taiwan

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in Taiwan	台灣發卡行
TAISHIN INTERNATIONAL BANK	台新國際商業銀行
DBS BANK (TAIWAN) LTD.	星展(台灣)商業銀行
CATHAY UNITED BANK	國泰世華商業銀行
CHUNGHWA POST COMPANY LIMITED.	中華郵政股份有限公司
LINE BANK TAIWAN LIMITED	連線商業銀行股份有限公司
BANK SINOPAC	永豐商業銀行
FIRST COMMERCIAL BANK	第一商業銀行
TAIWAN COOPERATIVE BANK	臺灣合作金庫商業銀行
FAR EASTERN INTERNATIONAL BANK	遠東國際商業銀行
CHANG HWA COMMERCIAL BANK LTD.	彰化商業銀行股份有限公司
MEGA INTERNATIONAL COMMERCIAL BANK CO. LTD.	兆豐國際商業銀行股份有限公司
CHANG HWA COMMERCIAL BANK LTD.	彰化商業銀行股份有限公司
THE CHANG HWA COMMERCIAL BANK LTD.	彰化商業銀行股份有限公司
TAIWAN SHIN KONG COMMERCIAL BANK	臺灣新光商業銀行
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD	兆豐國際商業銀行股份有限公司
KGI BANK	凱基商業銀行
TAIPEI FUBON COMMERCIAL BANK CO., LTD.	台北富邦商業銀行股份有限公司
STANDARD CHARTERED BANK (TAIWAN) LIMITED	渣打國際商業銀行股份有限公司
CTBC BANK CO. LTD.	中國信託商業銀行股份有限公司
E. SUN COMMERCIAL BANK CO., LTD.	玉山商業銀行股份有限公司
YUANTA COMMERCIAL BANK CO. LTD	元大商業銀行股份有限公司
E. SUN COMMERCIAL BANK LTD.	玉山商業銀行股份有限公司
UNION BANK OF TAIWAN	聯邦商業銀行
BANK OF TAIWAN	臺灣銀行
HUA NAN COMMERCIAL BANK LTD.	華南商業銀行股份有限公司
YUANTA COMMERCIAL BANK CO., LTD.	元大商業銀行股份有限公司
SUNNY BANK	陽信商業銀行
THE SHANGHAI COMMERCIAL & SAVINGS BANK LTD.	上海商業儲蓄銀行股份有限公司
TAIWAN BUSINESS BANK	臺灣中小企業銀行
O-BANK CO. LTD.	王道商業銀行股份有限公司

3. AED

Credit/Debit Card Success Rate For Local Banks in the MENA Region

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in United Arab Emirates (AED)

DUBAI ISLAMIC BANK

DIGITAL FINANCIAL SERVICES LLC

ABU DHABI COMMERCIAL BANK

MASHREQBANK

WIO BANK P.J.S.C

EMIRATES NBD BANK (P.J.S.C.)

ABU DHABI ISLAMIC BANK

NATIONAL BANK OF RAS AL-KHAIMAH (RAKBANK)

FIRST ABU DHABI BANK PJSC

AL HILAL BANK PJSC

NETWORK INTERNATIONAL LLC

EMIRATES ISLAMIC BANK P.J.S.C.

WIO BANK PJSC

COMMERCIAL BANK OF DUBAI

HSBC BANK MIDDLE EAST

COMMERCIAL BANK OF DUBAI(PSC)

EITC FINANCIAL SERVICES L.L.C

AAFAQ ISLAMIC FINANCE PSC

DEEM FINANCE L.L.C.

LARI EXCHANGE

STANDARD CHARTERED BANK

JANATA BANK LIMITED

NATIONAL BANK OF FUJAIRAH

AL ANSARI EXCHANGE LLC

CANADIA BANK PLC

COMMERCIAL BANK INTERNATIONAL

PROVISIONAL - FIRST ABU DHABI BANK (PJSC)

BANK OF BARODA

AL HILAL BANK P.J.S.C.

ARAB BANK FOR INVESTMENT & FOREIGN TRADE

PROVISIONAL BID - FIRST ABU DHABI BANK (PJSC)

FINANCE HOUSE L.L.C.

ABU DHABI ISLAMIC BANK P.J.S.C.

CITIBANK, N.A.

ARAB BANK PLC

MAMO LIMITED

UNITED BANK LIMITED

THE NATIONAL BANK OF UMM AL-QAIWAIN PSC.

HABIB BANK AG ZURICH

MYZOI FINANCIAL INCLUSION TECHNOLOGIES L.L.C.

NYMCARD PAYMENT SERVICES L.L.C.

CITIBANK NATIONAL ASSOCIATION

4. ILS

Credit/Debit Card Success Rate For Local Banks in Israel

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in Israel (ILS)

MAX IT FINANCE LTD

ISRAEL CREDIT CARDS LIMITED

BANK HAPOALIM B.M.

BANK LEUMI LE-ISRAEL B.M.

ISRACARD LTD

ISRAEL CREDIT CARDS LTD.

BANK LEUMI LE-ISRAEL BM

BANK OF JERUSALEM LTD

ISRACARD LTD.

ISRAEL POSTAL BANK COMPANY LTD

BANK HAPOALIM B M

S.T.B. UNION LTD.

PAI PAY FINANCE LTD

ISRAEL POSTAL BANK COMPANY LIMITED

D.I. POSTAL FINANCE LTD

IDT FINANCIAL SERVICES LIMITED

5. CAD

Credit/Debit Card Success Rate For Local Banks in Canada

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in Canada (CA)

THE TORONTO-DOMINION BANK

CANADIAN IMPERIAL BANK OF COMMERCE

THE BANK OF NOVA SCOTIA

LA FEDERATION DES CAISSES DESJARDINS DU QUEBEC

ROYAL BANK OF CANADA

NATIONAL BANK OF CANADA

FEDERATION DES CAISSES DESJARDINS DU QUEBEC

KOHO FINANCIAL INCORPORATED

ROGERS BANK

VANCOUVER CITY SAVINGS CREDIT UNION

SERVUS CREDIT UNION LTD.

ATB FINANCIAL

COLLABRIA FINANCIAL SERVICES INC.

ICICI BANK CANADA

WINDSOR FAMILY CREDIT UNION LIMITED

WISE PAYMENTS CANADA INC.

FAIRSTONE BANK OF CANADA

ALBERTA TREASURY BRANCHES

BANQUE LAURENTIENNE DU CANADA

BANK OF MONTREAL

PEOPLES TRUST COMPANY

COLLABRIA FINANCIAL SERVICES

TORONTO-DOMINION BANK, THE

EQUITABLE BANK

DIGITAL COMMERCE BANK

CAPITAL ONE BANK (CANADA BRANCH)

PRESIDENT'S CHOICE BANK

CANADIAN TIRE BANK

TANGERINE BANK

BRIM FINANCIAL INC.

HOME TRUST COMPANY

BANK OF NOVA SCOTIA

MERIDIAN CREDIT UNION LIMITED

NEO FINANCIAL TECHNOLOGIES INC

THE TORONTO-DOMINION BANK - MBNA

WEALTHSIMPLE PAYMENTS INC.

SQUARE CANADA INC

WESTPAC BANKING CORPORATION

MANULIFE BANK OF CANADA

TORONTO-DOMINION BANK

UBS SWITZERLAND AG

U.S. BANK NATIONAL ASSOCIATION

6. MYR

Credit/Debit Card Success Rate For Local Banks in Malaysia

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in Malaysia	* indicates a high success rate and is recommended for use; signifies that it can be tried, but has a lower success rate; * indicates an extremely low success rate and is not recommended for use.
MALAYAN BANKING BERHAD	***
GX BANK BERHAD	***
PUBLIC BANK BERHAD	***
BIGPAY MALAYSIA SDN. BHD.	***
AMBANK (M) BERHAD	***
WISE PAYMENTS MALAYSIA SDN. BHD.	***
ALLIANCE BANK MALAYSIA BERHAD	***
HSBC BANK MALAYSIA BERHAD	***
AEON CREDIT SERVICE (M) BERHAD	***
BANK MUAMALAT MALAYSIA BERHAD	***
AEON BANK (M) BERHAD	***
HSBC AMANAH MALAYSIA BERHAD	***
OCBC BANK (MALAYSIA) BERHAD	**
AFFIN BANK BERHAD	**
AFFIN ISLAMIC BANK BERHAD	**
AMBANK ISLAMIC BERHAD	**
MERCHANTRADE ASIA SDN. BHD.	**
BOOST BANK BERHAD	**
MBSB BANK BERHAD	**
CIMB BANK BERHAD	**
EXIM BANK (TANZANIA), LTD.	**
INSTAPAY TECHNOLOGIES SDN BHD	**
PUBLIC ISLAMIC BANK BERHAD	**
U MOBILE SDN. BHD	**
HONG LEONG BANK BERHAD	*
STANDARD CHARTERED BANK MALAYSIA BERHAD	*
RHB BANK BERHAD	*
UNITED OVERSEAS BANK (MALAYSIA) BERHAD	*
UNITED OVERSEAS BANK (MALAYSIA) BHD	*
BANK ISLAM MALAYSIA BERHAD	*
HONG LEONG ISLAMIC BANK BERHAD	*
BANK KERJASAMA RAKYAT MALAYSIA BERHAD	*
AXIATA DIGITAL ECODE SDN. BHD.	*
BANK OF CHINA (MALAYSIA) BERHAD	*
AL RAJHI BANKING & INVESTMENT CORP M BHD	*
BANK SIMPANAN NASIONAL	*
BAYO PAY M SDN BHD	*
U MOBILE SDN BHD	*
BANK PERTANIAN MALAYSIA BERHAD	*

7. PHP

Credit/Debit Card Success Rate For Local Banks in the Philippines

Green text indicates a high success rate and is recommended for use: greater than 50%

Orange text signifies that it can be tried, but has a lower success rate: 30%-50%

Red text indicates an extremely low success rate and is not recommended for use: less than 30%

Issue Banks in Philippines	* indicates a high success rate and is recommended for use; signifies that it can be tried, but has a lower success rate; * indicates an extremely low success rate and is not recommended for use.
BDO UNIBANK, INC.	***
SECURITY BANK CORPORATION	***
UNION BANK OF THE PHILIPPINES	***
MAYA PHILIPPINES, INC.	***
UNIONBANK OF THE PHILIPPINES	***
PROCREDIT BANK KOSOVO	***
BANK OF COMMERCE	***
OWN BANK THE RURAL BANK OF CAVITE CITY INC	**
CITIBANK, N.A., PHILIPPINES	**
BANCO DE ORO UNIBANK INC.	**
ASIA UNITED BANK CORPORATION	**
EAST WEST BANKING CORPORATION	**
PHILIPPINE NATIONAL BANK	**
LAND BANK OF THE PHILIPPINES	**
MAYA PHILIPPINES INC.	**
CHINA BANKING CORPORATION	**
ROBINSONS BANK CORPORATION	**
BANK OF THE PHILIPPINE ISLANDS	**
MAYA BANK INC.	**
RIZAL COMMERCIAL BANKING CORPORATION	**
THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED	**
WISE PILIPINAS INC.	**
GOTYME BANK CORPORATION	**
TONIK DIGITAL BANK, INC.	**
OWN BANK, THE RURAL BANK OF CAVITE CITY, INC.	**
METROPOLITAN BANK AND TRUST COMPANY (METROBANK)	*
G-XCHANGE, INC.	*
CIMB BANK BERHAD	*
METROBANK CARD CORPORATION (A FINANCE COMPANY)	*
METROPOLITAN BANK AND TRUST COMPANY	*
MAYBANK PHILIPPINES INCORPORATED	*
UNOBANK INC	*
DEVELOPMENT BANK OF THE PHILIPPINES	*
HC CONSUMER FINANCE PHILIPPINES INC.	*
GPAY NETWORK PH INC	*