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

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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 Large-denomination Certificates of Deposit (260th Session)_1M
R201911010010001
RMB RMB200K
1month 1.60%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (261st Session)_3M
R201911010030001
RMB
RMB200K
3months
1.60%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (262nd Session)_3M
R201911010030002
RMB RMB300K
3months
1.65%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (263rd Session)_6M
R201911010060001
RMB RMB200K
6months
1.885%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (264th Session)_6M
R201911010060002
RMB RMB300K
6months
1.95%

01/Nov/2019

– 

29/Nov/2019

Details
_2019 HSBC Personal Large-denomination Certificates of Deposit (265th Session)_12M
R201911010120001
RMB RMB200K
12months
2.175%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (266th Session)_12M(*New Fund)
R201911010120002
RMB
RMB300K
12months
2.30%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (267th Session)_24M
R201911010240001
RMB RMB200K
24months
3.05%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (268th Session)_24M(*New Fund)

R201911010240002
RMB
RMB300K
24months
3.15%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (269th Session)_24M(**Existing Jade Customer New Fund)
R201911010240003
RMB RMB300K
24months
3.25%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (270th Session)_36M
R201911010360001
RMB RMB200K
36months
3.75%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (271st Session)_36M(*New Fund)
R201911010360002
RMB RMB300K
36months
3.85%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (272nd Session)_36M(**Existing Jade Customer New Fund)
R201911010360003
RMB RMB300K
36months
3.90%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (273rd Session)_36M(**New Upgrade Jade Customer New Fund)
R201911010360004
RMB RMB1M
36months
4.15%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (274th Session)_36M(**New to Bank Jade Customer New Fund)
R201911010360005
RMB
RMB1M
36months
4.2%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (275th Session)_60M
R201911010600001
RMB
RMB200K
60months
3.90%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (276th Session)_60M(*New Fund)
R201911010600002
RMB
RMB300K
60months
4.10%

01/Nov/2019

– 

29/Nov/2019

Details
2019 HSBC Personal Large-denomination Certificates of Deposit (277th Session)_60M(**Existing Jade Customer New Fund)
R201911010600003
RMB
RMB300K
60months
4.15%

01/Nov/2019

– 

29/Nov/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 30 Sep 2019.

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

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Frequently asked questions