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Deposits

HSBC China offers you a wide range of products and services for savings accounts and time deposits, empowering you to accumulate and manage your wealth with ease.

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 CNY50.
  • Six available deposit tenors: 3 months, 6 months, 1 year, 2 years, 3 years and 5 years.
  • With HSBC “Step Up” Time Deposit offer, you will enjoy interest rate higher than that of HSBC’s board rate, more flexibility in interest settlement and minimum loss on early withdrawal.
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 and Online Banking
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 CNY50,000
  • Two available deposit tenors: 1 day or 7 days
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 CNY200,000
  • 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

Foreign currency deposits

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 and Online Banking
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 CNY50,000
  • Option of a seven-day tenor for flexible money management
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

Other deposit services

Frozen Deposit Certificate
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
  • Deposit frozen until maturity
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 CertificatesOnline 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

Manage your deposits

 
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When your life becomes about more than just you, we’re here to support you with the surprises life throws your way, to help your family prosper, and to plan with you for whatever the future brings.

 
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HSBC Debit Cards, offered in the form of Premier and Advance cards, offer you convenience and privileges with no annual fees.

 
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Transfer funds easily and securely to both domestic and overseas accounts.

Frequently asked questions