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
Transfer service
From 24 July 2023 onwards, we'll support the transfer of Personal Large-Denomination Certificates of Deposit (CDs). For details on whether your CDs are transferrable, please refer to its product factsheet.
Note: for products that you purchase as a transferee, the principal and interest could be lower than your purchase price if you make an early withdrawal, leading to substantial loss. Therefore, we recommend retransferring your product instead. Please compare the benefits of early withdrawals and retransfers, to make a careful decision.
How to ApplyHow to Apply
HSBC Premier customers
HSBC Advance customers
Other customers
400-820-3090 (8:30-17:30, Mon - Fri, holidays excluded)
Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan
Branch service
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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 |
Annual Interest Rate | Issuance period | |
|---|---|---|---|---|---|---|---|
| 2025 HSBC Personal Large-denomination Certificates of Deposit (35th Session) | R20250506001001T | RMB | CNY 200K | 1 month | 1.15% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (36th Session) (New Fund) | R20250506001002T | RMB | CNY 200K | 1 month | 1.45% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (37th Session) | R20250506003001T | RMB | CNY 200K | 3 months | 1.2% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (38th Session) (New Fund) | R20250506003002T | RMB | CNY 200K | 3 months | 1.5% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (39th Session) | R20250506006001T | RMB | CNY 200K | 6 months | 1.4% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (40th Session) (New Fund) | R20250506006002T | RMB | CNY 200K | 6 months | 1.5% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (41st Session) | R20250506012001T | RMB | CNY 200K | 12 months | 1.4% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (42nd Session) (New Fund) | R20250506012002T | RMB | CNY 200K | 12 months | 1.5% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (43rd Session) (New Fund) | R20250506024001T | RMB | CNY 200K | 24 months | 1.5% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (44th Session) (New Fund) | R20250506036001T | RMB | CNY 200K | 36 months | 1.65% | 06/05/2025 – 30/05/2025 | Details |
| 2025 HSBC Personal Large-denomination Certificates of Deposit (45th Session) (New Fund) | R20250506060001T | RMB | CNY 200K | 60 months | 1.7% | 06/05/2025 – 30/05/2025 | Details |
| 2024 HSBC Personal Large-denomination Certificates of Deposit （95th Session）（Transferred from Other Bank） | R202406120360025 | RMB | CNY 200K | 36 months | 2.36% | 29/4/2022 – 31/5/2022 | Details |
| 2024 HSBC Personal Large-denomination Certificates of Deposit （96th Session）（Transferred from Other Bank） | R202406120360026 | RMB | CNY 200K | 36 months | 2.36% | 1/7/2022 – 1/8/2022 | Details |
| 2024 HSBC Personal Large-denomination Certificates of Deposit （106th Session）（Transferred from Other Bank） | R202406120360036 | RMB | CNY 200K | 36 months | 2.36% | 1/6/2022 – 30/6/2022 | 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 2025 and on the day of transaction. (Note: Maturity returns from our wealth products and transfers between your existing HSBC accounts will not be recognized as new funds.)
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