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 ApplyHow to Apply
HSBC Premier customers
HSBC Advance customers
Other customers
Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan
Branch service
Contact us
Leave your contact details with us and we’ll be in touch in 1-2 business days.
Scan QR code to download HSBC China Mobile Banking APP
Scan QR code to follow our official WeChat Service Account “HSBC China Customer Services“(Chinese only)
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
Certificates of deposit are issued electronically. Customers can subscribe to the product at any HSBC branch, or via WeChat Service Account and Mobile Banking.
Before signing the contract, please read the 'General Terms and Conditions of CDs' and 'CDs Fact Sheet'.
| Product name | Reference No |
Currency |
Minimum deposit amount |
Tenor |
Interest rate |
Issuance period | |
|---|---|---|---|---|---|---|---|
| 2022 HSBC Personal Large-denomination Certificates of Deposit (65th Session) |
R202205050010001 |
RMB |
CNY 200K |
1month |
1.10% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (66th Session)(New Fund) | R202205050010002 |
RMB | CNY 250K |
1month |
1.80% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (67th Session) - GPB Exclusive |
R202205110010003 |
RMB | CNY 200K |
1months |
1.10% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (68th Session)(New Fund) - GPB Exclusive |
R202205110010004 |
RMB | CNY 250K |
1months |
1.80% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (69th Session) |
R202205050030001 |
RMB | CNY 200K |
3months |
1.55% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (70th Session)(New Fund) |
R202205050030002 |
RMB |
CNY 250K |
3months |
1.85% |
05/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (71st Session)(New Fund) |
R202205050030003 |
RMB |
CNY 500K |
3months |
1.90% |
05/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (72nd Session) |
R202205110030004 |
RMB | CNY 200K |
3months |
1.55% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (73rd Session)(New Fund) - GPB Exclusive |
R202205110030005 |
RMB |
CNY 500K |
3months |
1.90% |
11/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (74th Session) |
R202205050060001 |
RMB |
CNY 200K |
6months |
1.85% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (75th Session) |
R202205050060002 |
RMB | CNY 250K |
6months |
1.95% |
05/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (76th Session) |
R202205110060003 |
RMB |
CNY 200K |
6months |
1.85% |
11/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (77th Session) |
R202205110060004 |
RMB |
CNY 250K |
6months |
1.95% |
11/May/2022 – 31/May/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (78th Session)(New Fund) |
R202205110060005 |
RMB |
CNY 1M |
6months |
2.10% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (79th Session) |
R202205050120001 |
RMB |
CNY 200K |
12months |
2.10% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (80th Session) |
R202205050120002 |
RMB |
CNY 250K |
12months |
2.20% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (81st Session)(New Fund) Premier Elite Exclusive |
R202205050120003 |
RMB |
CNY 500K |
12months |
2.30% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (82nd Session) - GPB Exclusive |
R202205110120004 |
RMB |
CNY 200K |
12months |
2.10% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (83rd Session) - GPB Exclusive |
R202205110120005 |
RMB |
CNY 250K |
12months |
2.20% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (84th Session)(New Fund) - GPB Exclusive |
R202205110120006 |
RMB |
CNY 500K |
12months |
2.30% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (85th Session) |
R202205050240001 |
RMB |
CNY 200K |
24months |
2.75% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (86th Session) |
R202205050240002 |
RMB |
CNY 250K |
24months |
2.85% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (87th Session) - GPB Exclusive |
R202205110240003 |
RMB |
CNY 200K |
24months |
2.75% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (88th Session) - GPB Exclusive |
R202205110240004 |
RMB |
CNY 250K |
24months |
2.85% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (89th Session)(New Fund) - GPB Exclusive |
R202205110240005 |
RMB |
CNY 1M |
24months |
2.90% |
11/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (90th Session) |
R202205050360001 |
RMB |
CNY 200K |
36months |
3.35% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (91st Session)(New Fund) |
R202205050360002 |
RMB |
CNY 250K |
36months |
3.55% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (92nd Session) |
R202205050600001 |
RMB |
CNY 200K |
60months |
3.35% |
05/May/2022 – 31/May/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (93rd Session) |
R202205050600002 |
RMB |
CNY 250K |
60months |
3.40% |
05/May/2022 – 31/May/2022 |
Details |
*New Fund: The Eligible New Fund Amount for Certificate of Deposit, which is calculated in RMB, is the net increase in *RMB between your total deposit balance (including all of your deposit accounts) on 31 March 2022 and on the day of transaction. (Note: Maturity returns from our wealth products and transfers between your existing HSBC accounts will not be recognised as new funds.)
Related products
Reminbi Savings Account
Meet your daily financial needs with instant access to your account and earn interest at the same time.
Renminbi Time Deposit
Time Deposits provide multiple deposit tenors and guaranteed returns to help you manage your RMB assets.
Frozen Deposit Certificate
Whether for travel, immigration or overseas study, we can issue Deposit Certificates to facilitate your visa application.