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Core Insights - The "Yue-Ao Pension Pass" service has been successfully launched in the Hengqin Guangdong-Macao Deep Cooperation Zone, allowing direct cross-border transfer of pensions from Macau to bank accounts in Guangdong Province, addressing the needs of retirees living in Hengqin [1][2][3] Group 1: Service Overview - The "Yue-Ao Pension Pass" enables automatic cross-border pension transfers to accounts at Bank of China and Industrial and Commercial Bank of China in Guangdong, eliminating the need for retirees to travel between Macau and Guangdong [2] - The service operates on a system direct connection model, allowing for quarterly automatic deposits after a one-time account registration [2] - The first users of the service reported satisfaction with the ease of receiving pension notifications via SMS, highlighting the convenience of the new system [2] Group 2: Economic Benefits - The service reduces the economic burden on retirees by waiving cross-border remittance fees, potentially saving each individual 400 Macanese Patacas annually [2] - It offers flexible currency exchange options within an annual limit of 50,000 USD, allowing retirees to choose the timing of their currency exchanges based on current bank rates [2] Group 3: Future Developments - The Guangdong Provincial Branch of the State Administration of Foreign Exchange plans to expand the coverage of the "Yue-Ao Pension Pass" and enhance service offerings, including increasing the number of banks that can receive pensions [2]