Personal Large-Denomination Certificates of Deposit

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.

• 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

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'.

*“New fund” means a deposit of funds from outside of HSBC into an Eligible Account, based on the account balance in 30 Nov 2020.

*For definition and services of Jade Customer, please refer to Explore Jade, you can also Contact HSBC or talk with your Relationship Manager.