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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.

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 Apply
How to Apply

HSBC Premier customers

HSBC Advance customers

Other customers

400-820-3090

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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  
2018 HSBC Personal Large-denomination Certificates of Deposit  (109th Session)_1M
R201809040010001

RMB RMB200K
1M
1.60%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (110th Session)_3M
R201809040030001

RMB
RMB200K
3M
1.60%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (111st Session)_3M
R201809040030002
RMB RMB300K
3M
1.65%

04/Sep/2018 –08/Oct/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (112nd Session)_6M
R201809040060001
RMB RMB200K
6M
1.885%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (113rd Session)_6M
R201809040060002
RMB RMB300K
6M
1.95%

04/Sep/2018 –08/Oct/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit (114th Session)_12M
R201809040120001
RMB RMB200K
12M
2.175%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (115th Session)_12M(*New Fund)

R201809040120002
RMB
RMB300K
12M
2.30%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (116th Session)_24M
R201809040240001
RMB RMB200K
24M
3.05%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (117th Session)_24M(*New Fund)

R201809040240002
RMB
RMB300K
24M
3.25%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (118th Session)_36M
R201809040360001
RMB RMB200K
36M
3.20%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (119th Session)_36M
R201809040360002
RMB RMB500K
36M
4.00%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (120th Session)_36M(*New Fund)

R201809040360003
RMB RMB300K
36M
4.26%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (121st Session)_60M
R201809040600001
RMB RMB200K
60M
3.30%
04/Sep/2018 –08/Oct/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (122nd Session)_60M(*New Fund)
R201809040600002
RMB RMB300K
60M
3.98%
04/Sep/2018 –08/Oct/2018
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 31 July 2018.

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Frequently asked questions