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 ApplyHow to Apply
HSBC Premier customers
HSBC Advance customers
Other customers
Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan
Branch service
Contact us
Leave your contact details with us and we’ll be in touch in 1-2 business days.
Scan QR code to download HSBC China Mobile Banking APP
Scan QR code to follow our official WeChat Service Account “HSBC China Customer Services“(Chinese only)
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 | |
|---|---|---|---|---|---|---|---|
| 2021 HSBC Personal Large-denomination Certificates of Deposit (194th Session)_1M |
R202110080010001 |
RMB |
RMB200K |
1month |
1.10% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (195th Session)_3M |
R202110080030001 |
RMB | RMB200K |
3months |
1.55% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (196th Session)_3M |
R202110080030002 |
RMB | RMB500K |
3months |
1.65% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (197th Session)_6M | R202110080060001 |
RMB | RMB200K |
6months |
1.85% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (198th Session)_6M |
R202110080060002 |
RMB | RMB500K |
6months |
1.95% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (199th Session)_12M |
R202110080120001 |
RMB |
RMB200K |
12months |
2.10% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (200th Session)_12M |
R202110080120002 |
RMB |
RMB500K |
12months |
2.20% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (201st Session)_12M |
R202110080120003 |
RMB | RMB700K |
12months |
2.30% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (202nd Session)_24M |
R202110080240001 |
RMB |
RMB200K |
24months |
2.80% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (203rd Session)_24M |
R202110080240002 |
RMB |
RMB500K |
24months |
2.90% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (204th Session)_36M |
R202110080360001 |
RMB | RMB200K |
36months |
3.30% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (205th Session)_36M |
R202110080360002 |
RMB |
RMB500K |
36months |
3.45% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (206th Session)_36M |
R202110080360003 |
RMB |
RMB700K |
36months |
3.55% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (207th Session)_60M |
R202110080600001 |
RMB |
RMB200K |
60months |
3.45% |
08/Oct/2021 –29/Oct/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (208th Session)_60M |
R202110080600002 |
RMB |
RMB500K |
60months |
3.55% |
08/Oct/2021 –29/Oct/2021 |
Details |
*For definition and services of Jade Customer, please refer to Explore Jade, you can also Contact HSBC or talk with your Relationship Manager.
Related products
Reminbi Savings Account
Meet your daily financial needs with instant access to your account and earn interest at the same time.
Renminbi Time Deposit
Time Deposits provide multiple deposit tenors and guaranteed returns to help you manage your RMB assets.
Frozen Deposit Certificate
Whether for travel, immigration or overseas study, we can issue Deposit Certificates to facilitate your visa application.
