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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

 

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 Apply
How to Apply

HSBC Premier customers

HSBC Advance customers

Other customers

400-820-3090

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

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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  
2024 HSBC Personal Large-denomination Certificates of Deposit (41st Session)

R20240506001001T

RMB
CNY 200K
1 month
1.10%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (42nd Session) (New Fund) R20240506001002T RMB CNY 200K
1 month
1.50%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (43rd Session)(New Fund)(GPB Exclusive) R20240506001003T RMB CNY 200K
1 month 1.55%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (44th Session) (New Fund) 
R20240506003001T RMB CNY 200K 3 months 1.80%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (45th Session)(New Fund) R20240506006001T RMB CNY 200K 6 months 1.85%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (46th Session)(New Fund)(GPB Exclusive) R20240506006002T RMB CNY 200K 6 months 1.86%

06/05/2024 – 31/05/2024

Details
2024 HSBC Personal Large-denomination Certificates of Deposit (47th Session) R20240506012001T RMB CNY 200K 12 months 1.60% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (48th Session)(New Fund) R20240506024001T RMB CNY 200K 24 months 2.05% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (49th Session)(New Fund) R20240506024002T RMB CNY 1M 24 months 2.10% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (50th Session)(New Fund) R20240506036001T RMB CNY 200K 36 months 2.20% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (51st Session)(New Fund) R20240506036002T RMB CNY 1M 36 months 2.25% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (52nd Session)(New Fund) R20240506060001T RMB CNY 200K 60 months 2.30% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (53rd Session)(New Fund) R20240506060002T RMB CNY 1M 60 months 2.35% 06/05/2024 – 31/05/2024 Details
2024 HSBC Personal Large-denomination Certificates of Deposit (54th Session)(New Fund)(GPB Exclusive) R20240506060003T RMB CNY 1M 60 months 2.36% 06/05/2024 – 31/05/2024 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 March 2024 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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Frequently asked questions