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
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 | |
|---|---|---|---|---|---|---|---|
| 2020 HSBC Personal Large-denomination Certificates of Deposit (1st Session)_1M |
R202001020010001 |
RMB | RMB200K |
1month | 1.60% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (2nd Session)_3M |
R202001020030001 |
RMB |
RMB200K |
3months |
1.60% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (3rd Session)_3M |
R202001020030002 |
RMB | RMB300K |
3months |
1.65% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (4th Session)_6M |
R202001020060001 |
RMB | RMB200K |
6months |
1.885% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (5th Session)_6M | R202001020060002 |
RMB | RMB300K |
6months |
1.95% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (6th Session)_12M |
R202001020120001 |
RMB | RMB200K |
12months |
2.175% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (7th Session)_12M(*New Fund) | R202001020120002 |
RMB |
RMB300K |
12months |
2.30% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (8th Session)_24M | R202001020240001 |
RMB | RMB200K |
24months |
3.05% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (9th Session)_24M(*New Fund) |
R202001020240002 |
RMB |
RMB300K |
24months |
3.15% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (10th Session)_24M(**Existing Jade Customer New Fund) |
R202001020240003 |
RMB | RMB300K |
24months |
3.25% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (11th Session)_36M |
R202001020360001 |
RMB | RMB200K |
36months |
3.75% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (12th Session)_36M(*New Fund) |
R202001020360002 |
RMB | RMB300K |
36months |
3.85% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (13th Session)_36M(**Existing Jade Customer New Fund) |
R202001020360003 |
RMB | RMB300K |
36months |
3.90% | 02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (14th Session)_36M(**New Upgrade Jade Customer New Fund) |
R202001020360004 |
RMB | RMB1M |
36months |
4.15% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (15th Session)_36M(**New to Bank Jade Customer New Fund) |
R202001020360005 |
RMB |
RMB1M |
36months |
4.2% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (16th Session)_60M |
R202001020600001 |
RMB |
RMB200K |
60months |
3.90% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (17th Session)_60M(*New Fund) |
R202001020600002 |
RMB |
RMB300K |
60months |
4.10% |
02/Jan/2020 – 31/Jan/2020 |
Details |
| 2020 HSBC Personal Large-denomination Certificates of Deposit (18th Session)_60M(**Existing Jade Customer New Fund) |
R202001020600003 |
RMB |
RMB300K |
60months |
4.15% |
02/Jan/2020 – 31/Jan/2020 |
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 30 Nov 2019.
**For definition and services of Jade Customer, please refer to Explore Jade, you can also Contact HSBC or talk with your Relationship Manager.
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