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Personal Large-Denomination Certificates of Deposit

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.

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How to Apply

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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

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 (94th Session)

R202206010010001

RMB
CNY 200K
1month
1.10%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (95th Session)(New Fund) R202206010010002
RMB CNY 250K
1month
1.80%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (96th Session)
R202206010030001
RMB CNY 200K
3months
1.55%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (97th Session)(New Fund)
R202206010030002
RMB CNY 250K
3months
1.85%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (98th Session)(New Fund)
Premier Elite Exclusive
R202206010030003
RMB CNY 500K
3months
1.90%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (99th Session)

R202206010060001

RMB
CNY 200K
6months
1.85%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (100th Session)

R202206010060002
RMB
CNY 250K
6months
1.95%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (101st Session)

R202206010120001
RMB CNY 200K
12months
2.10%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (102nd Session)
R202206010120002
RMB
CNY 250K
12months
2.20%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (103rd Session)(New Fund)
Premier Elite Exclusive

R202206010120003
RMB
CNY 500K
12months
2.30%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (104th Session)
R202206010240001
RMB CNY 200K
24months
2.75%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (105th Session)

R202206010240002
RMB
CNY 250K
24months
2.85%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (106th Session)

R202206010360001
RMB
CNY 200K
36months
3.35%

01/June/2022 – 30/June/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (107th Session)(New Fund)

R202206010360002
RMB
CNY 250K
36months
3.55%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (108th Session)
R202206010600001
RMB
CNY 200K
60months
3.35%

01/June/2022 – 30/June/2022

Details
2022 HSBC Personal Large-denomination Certificates of Deposit (109th Session)
R202206010600002
RMB
CNY 250K
60months
3.40%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (110th Session)
- GPB Exclusive
R202206010030004
RMB
CNY 200K
3months
1.55%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (111st Session)(New Fund)
- GPB Exclusive
R202206010030005
RMB
CNY 500K
3months
1.90%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (112nd Session)
- GPB Exclusive
R202206010060003
RMB
CNY 200K
6months
1.85%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (113rd Session)
- GPB Exclusive
R202206010060004
RMB
CNY 250K
6months
1.95%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (114th Session)(New Fund)
- GPB Exclusive
R202206010060005
RMB
CNY 1M
6months
2.10%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (115th Session)
- GPB Exclusive
R202206010120004
RMB
CNY 200K
12months
2.10%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (116th Session)
- GPB Exclusive
R202206010120005
RMB
CNY 250K
12months
2.20%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (117th Session)(New Fund)
- GPB Exclusive
R202206010120006
RMB
CNY 500K
12months
2.30%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (118th Session)
- GPB Exclusive
R202206010240003
RMB
CNY 200K
24months
2.75%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (119th Session)
- GPB Exclusive
R202206010240004
RMB
CNY 250K
24months
2.85%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (120th Session)(New Fund)
- GPB Exclusive
R202206010240005
RMB
CNY 1M
24months
2.90%
01/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (121st Session)(New Fund)
R202206020060006
RMB
CNY 250K
6months

2.09%
02/June/2022 – 30/June/2022
Details
2022 HSBC Personal Large-denomination Certificates of Deposit (122nd Session)(New Fund)
R202206020120007
RMB
CNY 250K
12months

2.29%
02/June/2022 – 30/June/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 29 April 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.)

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Frequently asked questions