Personal Large-Denomination Certificates of Deposit (CDs) refer to RMB-denominated book-entry large-denomination deposit vouchers issued electronically by HSBC China to an individual customer. CDs adopt standard terms and a minimum deposit amount, while the interest rate for the issue of CDs is determined by a market-oriented method.

Key features

  • Minimum balance requirement of RMB200,000
  • Multiple tenors available. For details, please refer to the latest notice of Issuance of CDs
  • Competitive interest rate
  • Guaranteed principal and interest returns

How to Apply
How to Apply

HSBC Premier customers

HSBC Advance customers

Other customers

400-820-3090

Please dial China country code +86 if you are calling from overseas

Contact us

Leave your contact details with us and we’ll be in touch in 2 business days.

CDs refer to RMB-denominated book-entry large-denomination deposit vouchers issued electronically by HSBC China to individual customers. 

CDs adopt standard terms and minimum deposit amounts, while the interest rate for the issue of CDs is determined by a market-oriented method.

Subject to regulations issued by the People's Bank of China (PBoC). CDs are a financial product in the category of general deposits, which falls within the area of deposit insurance. The minimum deposit amount for an individual subscription is RMB200,000.

Product features

  • Competitive returns: More competitive interest rates than Time Deposits with the same tenor and equivalent amount
  • High liquidity: Whole or partial withdrawal allowed before maturity subject to General Terms and Conditions 
  • High security: Guaranteed principal and interest returns

Product subscription

CDs are issued electronically. To subscribe to the product, you have to fill out a Personal Large-Denomination Certificate of Deposit Application Form and submit it to any HSBC branch or sub-branch. 

Before signing the contract, please read the 'General Terms and Conditions of CDs' and 'CDs Fact Sheet'.

Product name Serial No
Currency
Minimum deposit amount
Tenor
Interest rate
Issuance period  
2019 HSBC Personal Largedenomination Certificates of Deposit (98th Session)_1M
R201905060010001
RMB RMB200K
1month 1.60%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (99th Session) _3M
R201905060030001
RMB
RMB200K
3months
1.60%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (100th Session)_3M
R201905060030002
RMB RMB300K
3months
1.65%

06/May/2019 – 03/Jun/2019

Details
2019 HSBC Personal Largedenomination Certificates of Deposit (101st Session)_6M
R201905060060001
RMB RMB200K
6months
1.885%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (102nd Session)_6M
R201905060060002
RMB RMB300K
6months
1.95%

06/May/2019 – 03/Jun/2019

Details
2019 HSBC Personal Largedenomination Certificates of Deposit (103rd Session)_12M
R201905060120001
RMB RMB200K
12months
2.175%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (104th Session)_12M(*New Fund)
R201905060120002
RMB
RMB300K
12months
2.30%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (105th Session)_24M
R201905060240001
RMB RMB200K
24months
3.05%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (106th Session)_24M(*New Fund)

R201905060240002
RMB
RMB300K
24months
3.15%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (107th Session)_24M(**Existing Jade Customer New Fund)
R201905060240003
RMB RMB300K
24months
3.25%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (108th Session)_36M
R201905060360001
RMB RMB200K
36months
3.85%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (109th Session)_36M(*New Fund)
R201905060360002
RMB RMB300K
36months
4.00%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit(110th Session)_36M(**Existing Jade Customer New Fund)
R201905060360003
RMB RMB300K
36months
4.16%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (111st Session)_36M(**New Upgrade Jade Customer New Fund)
R201905060360004
RMB RMB3M
36months
4.20%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (112nd Session)_36M(**New to Bank Jade Customer New Fund)
R201905060360005
RMB
RMB3M
36months
4.26%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (113rd Session)_60M
R201905060600001
RMB
RMB200K
60months
3.90%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (114th Session)_60M(*New Fund)
R201905060600002
RMB
RMB300K
60months
4.18%
06/May/2019 – 03/Jun/2019
Details
2019 HSBC Personal Largedenomination Certificates of Deposit (115th Session)_60M(**Existing Jade Customer New Fund)

R201905060600003
RMB
RMB300K
60months
4.25%
06/May/2019 – 03/Jun/2019
Details

**This promotion is only applicable for new fund application. “New fund” means a deposit of funds from outside of HSBC into an Eligible Account, based on the account balance in 31 March 2019.

**For definition and services of Jade Customer, please refer to Explore Jade, you can also Contact HSBC or talk with your Relationship Manager.

Related products

 
New window

Meet your daily financial needs with instant access to your account and earn interest at the same time.

 
New window

Time Deposits provide multiple deposit tenors and guaranteed returns to help you manage your RMB assets.

 
New window

Whether for travel, immigration or overseas study, we can issue Deposit Certificates to facilitate your visa application.

Frequently asked questions