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
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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 (171st Session) |
R202209010010001 |
RMB |
CNY 200K |
1month |
1.10% |
01/September/2022 - 30/September/2022 | Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (172nd Session)(New Fund) | R202209010010002 | RMB | CNY 200K |
1month |
1.60% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (173rd Session) |
R202209010030001 | RMB | CNY 200K |
3months |
1.55% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (174th Session)(New Fund) |
R202209010030002 | RMB | CNY 200K |
3months |
1.70% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (175th Session) |
R202209010060001 | RMB | CNY 200K |
6months |
1.90% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (176th Session) |
R202209010120001 |
RMB |
CNY 200K |
12months |
2.10% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (177th Session) |
R202209010240001 | RMB |
CNY 200K |
24months |
2.70% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (178th Session) |
R202209010360001 | RMB | CNY 200K |
36months |
3.25% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (179th Session) |
R202209010600001 | RMB |
CNY 200K |
60months |
3.25% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (180th Session)(New Fund) - GPB Exclusive |
R202209010010003 | RMB |
CNY 200K |
1months |
1.65% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (181st Session)(New Fund) - GPB Exclusive |
R202209010030003 | RMB | CNY 200K |
3months |
1.75% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (182nd Session)(New Fund) - GPB Exclusive |
R202209010060002 | RMB |
CNY 200K |
6months |
1.95% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (183rd Session)(New Fund) - GPB Exclusive |
R202209010120002 | RMB |
CNY 200K |
12months |
2.15% |
01/September/2022 - 30/September/2022 |
Details |
2022 HSBC Personal Largedenomination Certificates of Deposit (184th Session) - GPB Exclusive |
R202209010240002 | RMB |
CNY 200K |
24months |
2.70% |
01/September/2022 - 30/September/2022 |
Details |
| 2022 HSBC Personal Large-denomination Certificates of Deposit (185th Session) - GPB Exclusive |
R202209010360002 | RMB |
CNY 200K |
36months |
3.25% |
01/September/2022 - 30/September/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 29 July 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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