diff --git a/pjcloud-common/pjcloud-common-core/src/main/java/com/bsd/pjcloud/common/core/exception/ErrorCodes.java b/pjcloud-common/pjcloud-common-core/src/main/java/com/bsd/pjcloud/common/core/exception/ErrorCodes.java
index bd4b94a99..b8889a508 100644
--- a/pjcloud-common/pjcloud-common-core/src/main/java/com/bsd/pjcloud/common/core/exception/ErrorCodes.java
+++ b/pjcloud-common/pjcloud-common-core/src/main/java/com/bsd/pjcloud/common/core/exception/ErrorCodes.java
@@ -345,6 +345,12 @@ public interface ErrorCodes {
 	/** 钱包类型id不能为空 */
 	String WALLET_TYPE_ID_EMPTY = "wallet.type.id.empty";
 
+	/** 饭卡钱包（展示名） */
+	String WALLET_TYPE_NAME_EAT = "wallet.type.name.eat";
+
+	/** 消费钱包（展示名） */
+	String WALLET_TYPE_NAME_PAY = "wallet.type.name.pay";
+
 	/** 备注不能为空 */
 	String WALLET_REMARK_EMPTY = "wallet.remark.empty";
 
diff --git a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_en.properties b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_en.properties
index 50ae65a20..9f07d6bfd 100644
--- a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_en.properties
+++ b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_en.properties
@@ -98,6 +98,8 @@ delivery.mch.schedule.title=Scheduled delivery reminder
 delivery.mch.schedule.body=A scheduled delivery is entering prep time. Please check it.
 delivery.rider.building.bound=Buildings under this unit already have riders. Unbind first.
 wallet.type.id.empty=Wallet type ID is required
+wallet.type.name.eat=Meal Card Wallet
+wallet.type.name.pay=Spending Wallet
 wallet.remark.empty=Remark is required
 wallet.not.found=Wallet not found
 wallet.freeze.dup=Request already submitted
diff --git a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_CN.properties b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_CN.properties
index 9f1c975f7..f6b8a84c2 100644
--- a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_CN.properties
+++ b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_CN.properties
@@ -98,6 +98,8 @@ delivery.mch.schedule.title=预约外送提醒
 delivery.mch.schedule.body=您有一单预约外送即将进入备餐时段，请及时查看
 delivery.rider.building.bound=该单位下楼栋已绑定骑手，请先解绑
 wallet.type.id.empty=钱包类型id不能为空
+wallet.type.name.eat=饭卡钱包
+wallet.type.name.pay=消费钱包
 wallet.remark.empty=备注不能为空
 wallet.not.found=钱包不存在
 wallet.freeze.dup=已提交申请,请勿重复提交
diff --git a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_HK.properties b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_HK.properties
index 878cbb305..0ff970060 100644
--- a/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_HK.properties
+++ b/pjcloud-common/pjcloud-common-core/src/main/resources/i18n/messages_zh_HK.properties
@@ -98,6 +98,8 @@ delivery.mch.schedule.title=預約外送提醒
 delivery.mch.schedule.body=您有一單預約外送即將進入備餐時段，請及時查看
 delivery.rider.building.bound=該單位下樓棟已綁定騎手，請先解綁
 wallet.type.id.empty=錢包類型id不能為空
+wallet.type.name.eat=飯卡錢包
+wallet.type.name.pay=消費錢包
 wallet.remark.empty=備註不能為空
 wallet.not.found=錢包不存在
 wallet.freeze.dup=已提交申請，請勿重複提交
diff --git a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/utils/WalletDataUtil.java b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/utils/WalletDataUtil.java
index d8ac80645..3d1d13061 100644
--- a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/utils/WalletDataUtil.java
+++ b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/utils/WalletDataUtil.java
@@ -1,7 +1,10 @@
 package com.bsd.pjcloud.wallet.api.utils;
 
 import cn.hutool.core.util.ObjectUtil;
+import com.bsd.pjcloud.common.core.exception.ErrorCodes;
 import com.bsd.pjcloud.common.core.util.CollectionUtils;
+import com.bsd.pjcloud.common.core.util.MsgUtils;
+import com.bsd.pjcloud.wallet.api.constant.WalletTypeEnum;
 import com.bsd.pjcloud.wallet.api.entity.WalletManageEntity;
 import com.bsd.pjcloud.wallet.api.entity.WalletTypeEntity;
 import com.bsd.pjcloud.wallet.api.vo.MchManageVo;
@@ -35,13 +38,42 @@ public class WalletDataUtil {
     public <T extends BaseWalletTypeInterface> T convertWalletType(T v, WalletTypeEntity vo) {
         if (ObjectUtil.isEmpty(vo)) return v;
         v.setWalletTypeId(vo.getId());
-        v.setWalletTypeName(vo.getName());
         v.setWalletTypeUniqueCode(vo.getUniqueCode());
+        v.setWalletTypeName(resolveWalletTypeName(vo.getUniqueCode(), vo.getName()));
         v.setWalletTypeIcon(vo.getIcon());
         v.setIsRule(vo.getIsRule());
         return v;
     }
 
+    /**
+     * 按钱包类型唯一编码返回当前语言的展示名；未知类型回退库表名称。
+     */
+    public String resolveWalletTypeName(String uniqueCode, String fallbackName) {
+        WalletTypeEnum type = WalletTypeEnum.valueOfByCode(uniqueCode);
+        if (type == WalletTypeEnum.EAT) {
+            return MsgUtils.getMessage(ErrorCodes.WALLET_TYPE_NAME_EAT);
+        }
+        if (type == WalletTypeEnum.PAY) {
+            return MsgUtils.getMessage(ErrorCodes.WALLET_TYPE_NAME_PAY);
+        }
+        return fallbackName;
+    }
+
+    /**
+     * 对已带 uniqueCode 的列表原地刷新 walletTypeName（覆盖 SQL join 的中文名）。
+     */
+    public <T extends BaseWalletTypeInterface> void localizeWalletTypeNames(List<T> list) {
+        if (ObjectUtil.isEmpty(list)) {
+            return;
+        }
+        for (T item : list) {
+            if (item == null) {
+                continue;
+            }
+            item.setWalletTypeName(resolveWalletTypeName(item.getWalletTypeUniqueCode(), item.getWalletTypeName()));
+        }
+    }
+
     public <T extends BaseWalletInterface> List<T> convertWalletList(List<T> list, Map<Long, WalletManageEntity> map) {
         return CollectionUtils.convertList(list, v -> convertWallet(v, map.get(v.getWalletId())));
     }
diff --git a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/WalletManageServiceImpl.java b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/WalletManageServiceImpl.java
index 630730a4c..2df6ac4c3 100644
--- a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/WalletManageServiceImpl.java
+++ b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/WalletManageServiceImpl.java
@@ -683,6 +683,8 @@ public class WalletManageServiceImpl extends ServiceImpl<WalletManageMapper, Wal
                     WalletDataUtil.convertWalletTypeList(list, CollectionUtils.convertMap(walletTypeList, WalletTypeEntity::getId));
                 }
             }
+            // SQL join / 转换后统一按 uniqueCode 做展示名国际化
+            WalletDataUtil.localizeWalletTypeNames(list);
         }
     }