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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

400-820-3090

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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 (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)
Premier Elite Exclusive

R202205050030003
RMB
CNY 500K
3months
1.90%

05/May/2022 – 31/May/2022 

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (72nd Session)
- GPB Exclusive

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)
- GPB Exclusive

R202205110060003
RMB
CNY 200K
6months
1.85%

11/May/2022 – 31/May/2022

Details

2022 HSBC Personal Largedenomination

Certificates of Deposit (77th Session)
- GPB Exclusive

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)
- GPB Exclusive

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.)

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Frequently asked questions