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Renminbi Deposits

Renminbi Time Deposits

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

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

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Renminbi Savings Account

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

Fast and convenient access to deposit, withdrawal and transfer services
Manage your account via HSBC branches, Phone Banking, Online Banking, Mobile Banking and WeChat Service Account.

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Renminbi Call Deposits

Call Deposits provide higher interest rates than a Savings Account, giving you flexible access to your savings and helping you diversify your assets.

Minimum balance requirement of RMB50,000
Two available deposit tenors: 1 day or 7 days

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Personal Large-Denomination Certificates of Deposit

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.

Minimum balance requirement of RMB200,000
Multiple tenors available. For details, please refer to the latest notice of Issuance of Personal Large-Denomination Certificates of Deposit
Competitive interest rate
Guaranteed principal and interest returns

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Transfer service

From 24 July 2023 onwards, we'll support the transfer of Personal Large-Denomination Certificates of Deposit (CDs). For details on whether your CDs are transferrable, please refer to its product factsheet.

Note: for products that you purchase as a transferee, the principal and interest could be lower than your purchase price if you make an early withdrawal, leading to substantial loss. Therefore, we recommend retransferring your product instead. Please compare the benefits of early withdrawals and retransfers, to make a careful decision.

Foreign Currency Deposits

Foreign Currency Time Deposits

Foreign Currency Time Deposits provide multiple deposit tenors, and guaranteed returns to help you manage your foreign currency assets.

Minimum deposit requirement of equivalent USD2,000 (eight major currencies include: USD, HKD, JPY, EUR, AUD, CAD, GBP and SGD)
Five available deposit tenors: 1 month, 3 months, 6 months, 1 year and 2 years

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Foreign Currency Savings Account

Get access to your foreign currency accounts and earn interest at the same time. The Foreign Currency Savings Account is a convenient way to manage your daily financial needs.

Nine major foreign currencies (including USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD and NZD)
Take advantage of favourable interest rate and exchange rate fluctuation between currencies
Access and manage your account via HSBC branches, Phone Banking, Online Banking, Mobile Banking and WeChat Service Account.

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Foreign Currency Call Deposits

Call Deposits provide higher interest rates than a Savings Account, giving you flexible access to your savings and helping you diversify your assets.

Minimum balance requirement of equivalent RMB50,000
Option of a seven-day tenor for flexible money management

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Other Deposit Services

Certificate of Frozen Deposit

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

Deposit Certificate available in both Chinese and English
Frozen deposit capabilities offer flexible freeze period options

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Overseas Travel Related Financial Services

HSBC's Overseas Travel Related Financial Services use our global network and banking expertise to provide you with a range of travel related financial services, including Overseas Travel Deposit Certificates, Online Global Transfers and more.

HSBC can supervise and secure your travel deposit as a third party
We facilitate your visa application and provide a financial guarantee to the travel agency with one single fund
Earn interest on your deposit while travelling

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Deposit products