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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 CNY 200,000
  • 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

 HSBC Premier customers

+86 400-820-8828

 HSBC Advance customers

+86 400-820-8878

 Other customers

+86 400-820-3090

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 RMB 200,000.

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 CDs (14th
session)_3M
R201802010030001
RMB
CNY 200K
3M
1.54%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (15th session)_3M
R201802010030002
RMB
CNY 300K
3M
1.595%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (16th session)_6M
R201802010060001
RMB
CNY 200K
6M
1.82%

01/Feb/2018 –28/Feb/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (17th session)_6M
R201802010060002
RMB CNY 300K
6M
1.885%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (18th session)_12M
R201802010120001
RMB CNY 200K
12M
2.1%

01/Feb/2018 –28/Feb/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (19th session)_12M
R201802010120002
RMB
CNY 300K
12M
2.175%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (20th session)_24M
R201802010240001
RMB
CNY 200K
24M
2.94%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (21st session)_24M
R201802010240002
RMB
CNY 300K
24M
3.00%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount Tenor
Interest Rate Issuance Period
2018 HSBC CDs (22nd session)_36M R201802010360001
RMB
CNY 200K
36M
3.20%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (23rd session)_36M
R201802010360002
RMB CNY 300K
36M
3.90%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (24th session)_36M
R201802010360003
RMB CNY 3M
36M
3.95%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (25th session)_60M
R201802010600001
RMB CNY 200K
60M
3.30%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (26th session)_60M
R201802010600002
RMB CNY 300K
60M
3.98%
01/Feb/2018 –28/Feb/2018

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 RMB 200,000.

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 CDs (14th
session)_3M
R201802010030001
RMB
CNY 200K
3M
1.54%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (15th session)_3M
R201802010030002
RMB
CNY 300K
3M
1.595%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (16th session)_6M
R201802010060001
RMB
CNY 200K
6M
1.82%

01/Feb/2018 –28/Feb/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (17th session)_6M
R201802010060002
RMB CNY 300K
6M
1.885%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (18th session)_12M
R201802010120001
RMB CNY 200K
12M
2.1%

01/Feb/2018 –28/Feb/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (19th session)_12M
R201802010120002
RMB
CNY 300K
12M
2.175%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (20th session)_24M
R201802010240001
RMB
CNY 200K
24M
2.94%
01/Feb/2018 –28/Feb/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (21st session)_24M
R201802010240002
RMB
CNY 300K
24M
3.00%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount Tenor
Interest Rate Issuance Period
2018 HSBC CDs (22nd session)_36M R201802010360001
RMB
CNY 200K
36M
3.20%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (23rd session)_36M
R201802010360002
RMB CNY 300K
36M
3.90%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (24th session)_36M
R201802010360003
RMB CNY 3M
36M
3.95%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (25th session)_60M
R201802010600001
RMB CNY 200K
60M
3.30%
01/Feb/2018 –28/Feb/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (26th session)_60M
R201802010600002
RMB CNY 300K
60M
3.98%
01/Feb/2018 –28/Feb/2018

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Frequently Asked Questions