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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.

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  
2021 HSBC Personal Large-denomination Certificates of Deposit (194th Session)_1M

R202110080010001

RMB
RMB200K
1month
1.10%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (195th Session)_3M
R202110080030001
RMB RMB200K
3months
1.55%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (196th Session)_3M
R202110080030002
RMB RMB500K
3months
1.65%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (197th Session)_6M R202110080060001
RMB RMB200K
6months
1.85%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (198th Session)_6M
R202110080060002
RMB RMB500K
6months
1.95%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (199th Session)_12M

R202110080120001

RMB
RMB200K
12months
2.10%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (200th Session)_12M
R202110080120002
RMB
RMB500K
12months
2.20%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (201st Session)_12M
R202110080120003
RMB RMB700K
12months
2.30%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (202nd Session)_24M
R202110080240001
RMB
RMB200K
24months
2.80%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (203rd Session)_24M
R202110080240002
RMB
RMB500K
24months
2.90%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (204th Session)_36M
R202110080360001
RMB RMB200K
36months
3.30%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (205th Session)_36M
R202110080360002
RMB
RMB500K
36months
3.45%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (206th Session)_36M
R202110080360003
RMB
RMB700K
36months
3.55%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (207th Session)_60M
R202110080600001
RMB
RMB200K
60months
3.45%
08/Oct/2021 –29/Oct/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (208th Session)_60M
R202110080600002
RMB
RMB500K
60months
3.55%
08/Oct/2021 –29/Oct/2021
Details

*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