广发银行“跨境支付通”正式上线 助力内地香港金融互联互通

Core Viewpoint - Guangfa Bank has launched the "Cross-Border Payment Pass," enhancing cross-border financial connectivity between mainland China and Hong Kong, providing a seamless and efficient remittance experience for customers [1][2]. Group 1: Service Overview - The "Cross-Border Payment Pass" connects the mainland's online payment interbank clearing system with Hong Kong's Faster Payment System (FPS), facilitating direct cross-border payments [1]. - The service allows mainland residents to remit money to Hong Kong in RMB, which can be received in either HKD or RMB, while Hong Kong residents can remit to the mainland in either currency, with all transactions settled in RMB [2]. Group 2: Key Features - The service offers real-time fund transfers, with funds being credited almost instantly. The southbound service operates from 7:00 to 23:00 daily, while the northbound service is available 24/7 [3]. - There are no intermediary bank fees during the promotional period, ensuring that the full amount sent is received by the recipient, thus lowering transfer costs [4]. - The entire process can be completed online via the Guangfa Bank mobile app, allowing users to remit funds using various identifiers such as phone numbers or FPS IDs, facilitating easy currency exchange between RMB and HKD [5]. Group 3: Transparency and Tracking - The mobile app provides real-time tracking of remittance status, ensuring transparency and traceability throughout the transaction process [6]. Group 4: Accessibility and Future Plans - Users can access the service through the Guangfa Bank mobile app by navigating to the "Cross-Border Finance" section, with a straightforward process for initiating remittances [7]. - Guangfa Bank aims to deepen financial connectivity and expand services such as cross-border consumption and investment, contributing to the economic integration of the Greater Bay Area [8].