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  
2020 HSBC Personal Large-denomination Certificates of Deposit (1st Session)_1M
R202001020010001
RMB RMB200K
1month 1.60%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (2nd Session)_3M
R202001020030001
RMB
RMB200K
3months
1.60%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (3rd Session)_3M
R202001020030002
RMB RMB300K
3months
1.65%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (4th Session)_6M
R202001020060001
RMB RMB200K
6months
1.885%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (5th Session)_6M R202001020060002
RMB RMB300K
6months
1.95%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (6th Session)_12M
R202001020120001
RMB RMB200K
12months
2.175%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (7th Session)_12M(*New Fund) R202001020120002
RMB
RMB300K
12months
2.30%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (8th Session)_24M R202001020240001
RMB RMB200K
24months
3.05%

02/Jan/2020 – 31/Jan/2020

Details
2020 HSBC Personal Large-denomination Certificates of Deposit (9th Session)_24M(*New Fund)

R202001020240002
RMB
RMB300K
24months
3.15%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (10th Session)_24M(**Existing Jade Customer New Fund)
R202001020240003
RMB RMB300K
24months
3.25%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (11th Session)_36M
R202001020360001
RMB RMB200K
36months
3.75%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (12th Session)_36M(*New Fund)
R202001020360002
RMB RMB300K
36months
3.85%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (13th Session)_36M(**Existing Jade Customer New Fund)
R202001020360003
RMB RMB300K
36months
3.90%

02/Jan/2020 – 31/Jan/2020

Details
2020 HSBC Personal Large-denomination Certificates of Deposit (14th Session)_36M(**New Upgrade Jade Customer New Fund)
R202001020360004
RMB RMB1M
36months
4.15%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (15th Session)_36M(**New to Bank Jade Customer New Fund)
R202001020360005
RMB
RMB1M
36months
4.2%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (16th Session)_60M
R202001020600001
RMB
RMB200K
60months
3.90%
02/Jan/2020 – 31/Jan/2020
Details
2020 HSBC Personal Large-denomination Certificates of Deposit (17th Session)_60M(*New Fund)
R202001020600002
RMB
RMB300K
60months
4.10%

02/Jan/2020 – 31/Jan/2020

Details
2020 HSBC Personal Large-denomination Certificates of Deposit (18th Session)_60M(**Existing Jade Customer New Fund)
R202001020600003
RMB
RMB300K
60months
4.15%
02/Jan/2020 – 31/Jan/2020
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 Nov 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