银联推出“你好中国”App——面向国际游客的一站式支付、翻译与旅行平台（2026）
银联的“你好中国”App现已让国际游客在中国使用境外 Visa 和万事达卡扫码支付、实时翻译，并申请签证——全部通过一个英文界面应用完成。
核心观点
The Nihao China app by UnionPay International is a free English-language mobile platform launched in December 2025 that lets foreign visitors pay with Visa and Mastercard via QR codes across China, translate conversations in real time, navigate cities, and — as of March 2026 — apply for Chinese visas. It integrates UnionPay, Alipay, and WeChat Pay networks into one app, covering over 1,000 merchants. Registration requires only an email or Apple account, with no Chinese phone number or bank account needed.
报道正文
最后审核： 2026年6月24日 · 影响： 高 · 来源： 银联国际
变化内容
2025年12月19日，在海口中国国际旅游交易会上，银联国际正式推出“你好中国”App——一个专为国际来华游客打造的数字平台。根据银联国际，该App将银联、支付宝和微信支付三大二维码支付网络整合到一个界面中，覆盖全国超过1,000家商户。
与最初为中国居民设计、可能给外国人带来语言障碍和复杂身份验证的支付宝和微信支付不同，“你好中国”App提供简洁的英文界面和简化注册流程。用户只需使用电子邮箱或Apple账号即可注册——无需中国手机号或内地银行账户——并可绑定境外发行的国际银联、Visa或万事达卡。
2026年3月，该App的功能从支付进一步扩展。根据官方“中国旅游”平台，“你好中国”App现已加入集成签证申请系统：旅行者可以通过App内的官方政府渠道申请中国签证、预约使领馆并跟踪申请进度。这使该平台不再只是支付工具，而成为覆盖行前与在华行程的完整伴侣。
该App还提供实时语音翻译、带导航的交互式地图，以及覆盖160多种货币的汇率工具——在每次扫码支付前显示以本国货币计算的确切费用。公共交通方面，该App可在多个中国主要城市的公交和地铁系统使用，无需另行办理交通卡。
据《海峡时报》报道，该App的开发是中国为消除入境旅游障碍所作更广泛努力的一部分；此前，免签政策已扩大至48个国家，并且自2026年初起，境外银行卡移动支付限额已提高至每笔5,000美元。
下一步
- Download the Nihao China app from Apple App Store or Google Play before your trip. 2. Register with your email or Apple account and link your international Visa, Mastercard, or UnionPay card. 3. Explore the visa section if you have not yet applied for a Chinese visa.
可能变化的部分
QR code coverage may be limited at smaller street vendors or in rural areas where only WeChat Pay or cash is accepted; the integrated visa feature may not cover all nationalities or visa types; real-time exchange rates settle at transaction time and may differ slightly during currency volatility.
常见问题
Can I use the Nihao China app instead of Alipay or WeChat Pay as a foreign tourist?
Yes. The Nihao China app by UnionPay integrates UnionPay, Alipay, and WeChat Pay QR code acceptance networks into a single app, so you can scan any payment QR code across over 1,000 merchants in China using one app with your foreign Visa or Mastercard.
Do I need a Chinese phone number or bank account to use the Nihao China app?
No. You can register with just an email address or Apple account. You do not need a Chinese phone number or a mainland Chinese bank account. You link an international Visa, Mastercard, or UnionPay card issued outside China.
Does the Nihao China app support real-time translation for travelers?
Yes. The app includes a real-time voice translation feature, plus maps, navigation tools, and exchange rate information for over 160 currencies — all in English.
Can I apply for a Chinese visa through the Nihao China app?
Yes. As of March 2026, the Nihao China app integrated a visa application system where you can apply for a Chinese visa, schedule consulate appointments, and track your application status — all through official channels within the app.