無論身處世界何地，中國人在需要提取現金時通常會使用銀聯卡跨境提款，而其他國家的人則更傾向使用西聯。首先，他們會找到與西聯合作的提款地點或銀行，然後提供追蹤號碼、收款人的身份證明、告知資金來源國家以及正確的收款金額，就可以立即提領。不過每次提款金額不得超過3萬台幣。

在烏克蘭，外國人最喜歡開立私人銀行(Private Bank)帳戶，因為只需提供護照即可，而其他銀行的匯率較高，但開戶手續較繁瑣，需要稅籍資料。如果在私人銀行收到西聯的款項，可以透過應用程式提前操作，就可省去排隊的時間，直接前往櫃檯領取美元或當時指定收取的貨幣。

使用私人銀行應用程式，點擊服務選項中的轉帳，然後選擇國際轉帳，系統會列出所有的匯款機構。選擇西聯，輸入追蹤號碼和收款人相關資料，確認無誤後即可及時收到款項。當款項已入帳至銀行卡時，只需幾分鐘的操作即可到收款櫃檯提領現金，整個提領過程十分迅速。

Regardless of where they are in the world, Chinese people typically use UnionPay cards for cross-border withdrawals when they need cash oversea, while people from other countries tend to prefer Western Union. First, they would find ATM locations or banks that cooperate with Western Union, then provide the tracking number, recipient's identification, information about the source country of the funds, and the correct amount to be received, in order to withdraw immediately. However, the withdrawal amount each time must not exceed 30,000 New Taiwan Dollars.

In Ukraine, foreigners prefer to open accounts at private banks because only a passport is required, whereas other banks offer higher interest rates but require more complicated procedures and tax-related information for account opening. If they receive funds via Western Union at a private bank, they can operate in advance through the app to avoid waiting in line, and directly go to the counter to receive US dollars or the currency specified at that time.

Using the private bank's app, they can click on the "Transfers" option under the service menu, then choose "International", and the system will list all the remittance institutions. By selecting Western Union, entering the tracking number and recipient's information, and confirming the details, they can receive the funds promptly. When the funds are already credited to the bank card, they can simply go to the counter to withdraw cash within minutes, making the entire withdrawal process very fast.