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 China country code +86 if you are calling from overseas
Branch service
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 | |
|---|---|---|---|---|---|---|---|
| 2019HSBC Personal Large-denomination Certificatesof Deposit (49thSession)_1M |
R201903040010001 |
RMB | RMB200K |
1month | 1.60% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (50thSession)_3M |
R201903040030001 |
RMB |
RMB200K |
3months |
1.60% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (51stSession)_3M |
R201903040030002 |
RMB | RMB300K |
3months |
1.65% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (52ndSession)_6M |
R201903040060001 |
RMB | RMB200K |
6months |
1.885% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (53rdSession)_6M |
R201903040060002 |
RMB | RMB300K |
6months |
1.95% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (54thSession)_12M |
R201903040120001 |
RMB | RMB200K |
12months |
2.175% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (55thSession)_12M(*New Fund) |
R201903040120002 |
RMB |
RMB300K |
12months |
2.30% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (56thSession)_24M |
R201903040240001 |
RMB | RMB200K |
24months |
3.05% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (57thSession)_24M(*New Fund) |
R201903040240002 |
RMB |
RMB300K |
24months |
3.15% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (58thSession)_36M |
R201903040360001 |
RMB | RMB200K |
36months |
3.85% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (59thSession)_36M(*New Fund) |
R201903040360002 |
RMB | RMB300K |
36months |
4.00% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (60thSession)_60M |
R201903040600001 |
RMB | RMB200K |
60months |
3.90% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (61stSession)_60M(*New Fund) |
R201903040600002 |
RMB | RMB300K |
60months |
4.18% |
04/Mar/2019 – 01/Apr/2019 |
Details |
| 2019HSBC Personal Large-denomination Certificatesof Deposit (62ndSession)_60M(*New Fund) |
R201903040600003 |
RMB | RMB10M |
60months |
4.25% |
04/Mar/2019 – 01/Apr/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 Jan 2019.
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.