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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 (67th Session)_1M
R201806010010001
RMB RMB200K
1M
1.60%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (68th Session)_3M
R201806010030001
RMB
RMB200K
3M
1.60%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (69th Session)_3M
R201806010030002
RMB RMB300K
3M
1.65%

01/Jun/2018 –02/Jul/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit (70th Session)_6M
R201806010060001
RMB RMB200K
6M
1.885%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (71st Session)_6M
R201806010060002
RMB RMB300K
6M
1.95%

01/Jun/2018 –02/Jul/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit (72nd Session)_12M
R201806010120001
RMB RMB200K
12M
2.175%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (73rd Session)_12M (New Fund*)
R201806010120002
RMB
RMB300K
12M
2.30%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (74th Session)_24M
R201806010240001
RMB RMB200K
24M
3.05%
01/Jun/2018 –02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (75th Session)_24M (New Fund*)
R201806010240002
RMB
RMB300K
24M
3.25%
01/Jun/2018 – 02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (76th Session)_36M
R201806010360001
RMB RMB200K
36M
3.20%
01/Jun/2018 – 02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (77th Session)_36M
R201806010360002
RMB RMB500K
36M
4.00%
01/Jun/2018 – 02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (78th Session)_36M (New Fund*)
R201806010360003
RMB RMB300K
36M
4.26%
01/Jun/2018 – 02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (79th Session)_60M
R201806010600001
RMB RMB200K
60M
3.30%
01/Jun/2018 – 02/Jul/2018 Details
2018 HSBC Personal Large-denomination Certificates of Deposit (80th Session)_60M (New Fund*)
R201806010600002
RMB RMB300K
60M
3.98%
01/Jun/2018 – 02/Jul/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 30 May 2018.

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Frequently asked questions