Renminbi Time Deposits

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Renminbi Time Deposits

Time Deposits provide multiple deposit tenors and guaranteed returns to help you manage your RMB assets.

Key features

Minimum balance requirement of RMB50
Six available deposit tenors: 3 months, 6 months, 1 year, 2 years, 3 years and 5 years

How to Apply

Other customers

400-820-3090 (8:30-17:30, Mon - Fri, holidays excluded)

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Branch service

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Leave your contact details with us and we’ll be in touch in 1-2 business days

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Scan QR code to download HSBC China Mobile Banking APP

Apply via Mobile Banking APP

Online banking

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Get personalised advice

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Related products

Renminbi Savings Account

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Meet your daily financial needs with instant access to your account and earn interest at the same time.

Personal Large-Denomination Certificates of Deposit

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Personal Large-Denomination Certificates of Deposit refer to RMB-denominated book-entry large-denomination deposit vouchers issued electronically by HSBC China to an individual customer. Personal Large-Denomination Certificates of Deposit adopt standard terms and a minimum deposit amount, while the interest rate for the issue of Large-Denomination Certificates of Deposit is determined by a market-oriented method.

Frozen Deposit Certificate

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Whether for travel, immigration or overseas study, we can issue Deposit Certificates to facilitate your visa application.

Frequently asked questions

Yes, you can partially or fully withdraw the money before the maturity date of the time deposit. However, the account balance after early withdrawal should not fall below the minimum initial deposit amount, and the time deposit interest rate is not applicable to the amount withdrawn early.

You can access and manage your account via Online Banking, Mobile Banking, Phone Banking and WeChat. If you have an HSBC Debit Card you can also check your balance at any ATM machine.

You can open a Time Deposit by transferring funds from an existing account with us. Log on to Mobile Banking and go to ‘Time deposit’. Choose the type of deposit, tenor and transfer amount, as well as the account you want to be debited. You will then be asked to confirm these details. After we've verified your details, you'll see a confirmation of your time deposit.

Yes, you can. Log to Mobile Banking, go to 'Time deposit account' and select 'Update maturity instruction' to complete any of the following actions:

Renew principal and interest
Renew principal and withdraw interest
Do not renew

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Renminbi Time Deposits

Key features

How to Apply

Online banking

HSBC Premier customers

HSBC Advance customers

Other customers

Branch service

Contact us

Get started

Related products

Renminbi Savings Account

Personal Large-Denomination Certificates of Deposit

Frozen Deposit Certificate

Frequently asked questions

Can I withdraw my money before my Time Deposit matures?

How can I check my balance or other information in my HSBC (China) account?

How can I set up a time deposit via Mobile Banking?

Can I update my time deposit maturity instructions via Mobile Banking?