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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  (137th Session)_1M
R201811010010001
RMB CNY 200K
1M
1.60%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (138th Session)_3M
R201811010030001
RMB
CNY 200K
3M
1.60%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (139th Session)_3M
R201811010030002
RMB CNY 300K
3M
1.65%

01/Nov/2018 –03/Dec/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit  (140th Session)_6M
R201811010060001
RMB CNY 200K
6M
1.885%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (141st Session)_6M
R201811010060002
RMB CNY 300K
6M
1.95%

01/Nov/2018 –03/Dec/2018

Details
2018 HSBC Personal Large-denomination Certificates of Deposit (142nd Session)_12M
R201811010120001
RMB CNY 200K
12M
2.175%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (143rd Session)_12M(*New Fund)

R201811010120002
RMB
CNY 300K
12M
2.30%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (144th Session)_24M
R201811010240001
RMB CNY 200K
24M
3.05%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (145th Session)_24M(*New Fund)

R201811010240002
RMB
CNY 300K
24M
3.25%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (146th Session)_36M
R201811010360001
RMB CNY 200K
36M
3.20%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (147th Session)_36M
R201811010360002
RMB CNY 500K
36M
4.00%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (148th Session)_36M(*New Fund)
R201811010360003
RMB CNY 300K
36M
4.26%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (149th Session)_60M
R201811010600001
RMB CNY 200K
60M
3.30%
01/Nov/2018 –03/Dec/2018
Details
2018 HSBC Personal Large-denomination Certificates of Deposit (150th Session)_60M(*New Fund)
R201811010600002
RMB CNY 300K
60M
3.98%
01/Nov/2018 –03/Dec/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 Sep 2018.

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Frequently asked questions