港人北上消费支付再迎便利化升级 银联助力港澳居民便捷申领国家补贴

随着“港人北上”消费热潮持续升温，大湾区支付服务便利化水平再度升级。2026年7月23日，银联国际在中国香港正式宣布，独家支持港澳居民便捷申领2026年家电以旧换新、数码及智能产品购新补贴（以下简称“国家补贴”），让跨境消费福利触手可及。

As the trend of Hong Kong residents traveling north for shopping and leisure continues to gather steam, payment service facilitation in the Greater Bay Area has taken another step forward. On July 23, UnionPay International made the official announcement in Hong Kong that it will exclusively support Hong Kong and Macao residents in claiming the 2026 subsidies for home appliance trade-ins and purchases of new digital and smart products (hereinafter referred to as the "National Subsidies"), bringing cross-border consumption benefits within easier reach than ever.

本次服务升级进一步简化补贴申领流程，持有回乡证的港澳居民，仅需绑定银联卡和港澳本地手机号码，便可通过云闪付APP完成补贴申领，无需额外填报内地手机号码等个人信息。

This service upgrade further streamlines the subsidy application process. Hong Kong and Macao residents holding a Mainland Travel Permit now only need to save their UnionPay card and local mobile phone number in the UnionPay App to complete the subsidy application directly — with no need to provide additional personal information such as a mainland mobile phone number.

领取补贴后，港澳居民在广东省指定线下商户购买家电及数码产品时可直接抵扣消费款项。本次国家补贴福利优厚，可按商品售价的15%予以优惠减免，单件商品最高补贴1500元。

Once the subsidy is claimed, Hong Kong and Macao residents can apply it directly to their purchases when buying home appliances or digital products at designated offline merchants in Guangdong province. The National Subsidy Program offers generous benefits, providing a 15 percent discount on the tag price, with a maximum subsidy of CNY 1,500 per item.

相较于以往需提供内地手机号和内地银联卡的传统模式，全新流程大幅降低了港澳居民享受国家惠民政策的准入门槛，真正实现“一键申领、即领即用”，将显著优化港澳居民北上消费体验，激活大湾区消费活力。

Compared with the traditional process that required a mainland mobile phone number and a mainland UnionPay card, the new approach significantly lowers the entry barrier for Hong Kong and Macao residents looking to take advantage of this national welfare policy. With a true "one click application and immediate use" experience, it is set to greatly enhance the cross-boundary spending journey for Hong Kong and Macao residents travelling to the mainland while also revitalizing consumer activity across the Guangdong-Hong Kong-Macao Greater Bay Area.

作为港澳地区发卡规模领先的国际卡品牌，银联已实现商户POS及ATM受理全覆盖，搭建起贯通港澳、辐射大湾区的一体化交通支付网络与全场景消费服务体系，全面覆盖 “吃、住、行、游、购、娱”各类日常消费场景。完善的跨境支付生态，为港澳居民北上提供无缝衔接、高效便捷的支付体验，持续赋能大湾区经贸互联一体化发展。

As a leading international card brand by card issuance volume in Hong Kong and Macao, UnionPay has achieved full coverage of POS terminals and ATMs in the region, and has built an integrated transportation payment network as well as a full-scenario consumer service ecosystem that spans Hong Kong, Macao and the Greater Bay Area. This ecosystem covers all major daily spending categories — including dining, accommodation, transportation, sightseeing, shopping, and entertainment. Backed by this well-established cross-boundary payment infrastructure, Hong Kong and Macao residents now enjoy a seamless, efficient, and convenient payment experience whenever they travel to the mainland, further empowering the integrated economic and trade development of the Greater Bay Area.

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