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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.

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How to Apply

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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  
2023 HSBC Personal Large-denomination Certificates of Deposit (1st Session)

R202301030010001

RMB
CNY 200K
1month
1.10%
3/January/2023 - 31/January/2023 Details
2023 HSBC Personal Large-denomination Certificates of Deposit (2nd Session)(New Fund) R202301030010002 RMB CNY 200K
1month
1.60%

3/January/2023 - 31/January/2023

Details
2023 HSBC Personal Large-denomination Certificates of Deposit (3rd Session)(New Fund) R202301030360001 RMB CNY 200K
36months
3.50%

3/January/2023 - 31/January/2023

Details
2023 HSBC Personal Large-denomination Certificates of Deposit (4th Session) - GPB Exclusive R202301030010003 RMB CNY 200K
1month
1.15%

3/January/2023 - 31/January/2023

Details
2023 HSBC Personal Large-denomination Certificates of Deposit (5th Session)(New Fund) - GPB Exclusive R202301030010004 RMB CNY 200K
1month
1.65%

3/January/2023 - 31/January/2023

Details
2023 HSBC Personal Large-denomination Certificates of Deposit (6th Session)(New Fund) - GPB Exclusive

R202301030360002

RMB
CNY 200K
36months
3.50%

3/January/2023 - 31/January/2023

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 30 November 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.) 

Related products

 
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Meet your daily financial needs with instant access to your account and earn interest at the same time.

 
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Time Deposits provide multiple deposit tenors and guaranteed returns to help you manage your RMB assets.

 
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Whether for travel, immigration or overseas study, we can issue Deposit Certificates to facilitate your visa application.

Frequently asked questions