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 Apply
How 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

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  
2019HSBC Personal Large-denomination Certificatesof Deposit (49thSession)_1M
R201903040010001
RMB RMB200K
1month 1.60%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (50thSession)_3M
R201903040030001
RMB
RMB200K
3months
1.60%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (51stSession)_3M
R201903040030002
RMB RMB300K
3months
1.65%

04/Mar/2019 – 01/Apr/2019

Details
2019HSBC Personal Large-denomination Certificatesof Deposit (52ndSession)_6M
R201903040060001
RMB RMB200K
6months
1.885%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (53rdSession)_6M
R201903040060002
RMB RMB300K
6months
1.95%

04/Mar/2019 – 01/Apr/2019

Details
2019HSBC Personal Large-denomination Certificatesof Deposit (54thSession)_12M
R201903040120001
RMB RMB200K
12months
2.175%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (55thSession)_12M(*New Fund)

R201903040120002
RMB
RMB300K
12months
2.30%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (56thSession)_24M
R201903040240001
RMB RMB200K
24months
3.05%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (57thSession)_24M(*New Fund)

R201903040240002
RMB
RMB300K
24months
3.15%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (58thSession)_36M
R201903040360001
RMB RMB200K
36months
3.85%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (59thSession)_36M(*New Fund)
R201903040360002
RMB RMB300K
36months
4.00%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (60thSession)_60M
R201903040600001
RMB RMB200K
60months
3.90%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (61stSession)_60M(*New Fund)
R201903040600002
RMB RMB300K
60months
4.18%
04/Mar/2019 – 01/Apr/2019
Details
2019HSBC Personal Large-denomination Certificatesof Deposit (62ndSession)_60M(*New Fund)
R201903040600003
RMB RMB10M
60months
4.25%
04/Mar/2019 – 01/Apr/2019
Details

*This promotion is only applicable for new fund application. “New fund” means a deposit of funds from outside of HSBC into an Eligible Account, based on the account balance in 31 Jan 2019.

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Frequently asked questions