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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  
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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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