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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

400-820-8828

 HSBC Advance customers

400-820-8878

 Other customers

400-820-3090

Please dial China country code +86 if you are calling from overseas

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 (40th
session)_3M
R201804030030001
RMB
CNY 200K
3M
1.54%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (41st
session)_3M
R201804030030002
RMB
CNY 300K
3M
1.595%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (42nd
session)_6M
R201804030060001
RMB
CNY 200K
6M
1.82%

03/Apr/2018 –02/May/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (43rd
session)_6M
R201804030060002
RMB CNY 300K
6M
1.885%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (44th
session)_12M
R201804030120001
RMB CNY 200K
12M
2.1%

03/Apr/2018 –02/May/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (45th session)_12M
R201804030120002
RMB
CNY 300K
12M
2.175%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (46th session)_24M
R201804030240001
RMB
CNY 200K
24M
2.94%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (47th session)_24M
R201804030240002
RMB
CNY 300K
24M
3.00%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount Tenor
Interest Rate Issuance Period
2018 HSBC CDs (48th session)_36M R201804030360001
RMB
CNY 200K
36M
3.20%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (49th session)_36M
R201804030360002
RMB CNY 300K
36M
3.90%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (50th session)_36M
R201804030360003
RMB CNY 2M
36M
3.95%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (51st session)_60M
R201804030600001
RMB CNY 200K
60M
3.30%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (52nd session)_60M
R201804030600002
RMB CNY 300K
60M
3.98%
03/Apr/2018 –02/May/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 (40th
session)_3M
R201804030030001
RMB
CNY 200K
3M
1.54%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (41st
session)_3M
R201804030030002
RMB
CNY 300K
3M
1.595%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (42nd
session)_6M
R201804030060001
RMB
CNY 200K
6M
1.82%

03/Apr/2018 –02/May/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (43rd
session)_6M
R201804030060002
RMB CNY 300K
6M
1.885%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (44th
session)_12M
R201804030120001
RMB CNY 200K
12M
2.1%

03/Apr/2018 –02/May/2018

Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (45th session)_12M
R201804030120002
RMB
CNY 300K
12M
2.175%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (46th session)_24M
R201804030240001
RMB
CNY 200K
24M
2.94%
03/Apr/2018 –02/May/2018
Product Name Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (47th session)_24M
R201804030240002
RMB
CNY 300K
24M
3.00%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount Tenor
Interest Rate Issuance Period
2018 HSBC CDs (48th session)_36M R201804030360001
RMB
CNY 200K
36M
3.20%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (49th session)_36M
R201804030360002
RMB CNY 300K
36M
3.90%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (50th session)_36M
R201804030360003
RMB CNY 2M
36M
3.95%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (51st session)_60M
R201804030600001
RMB CNY 200K
60M
3.30%
03/Apr/2018 –02/May/2018
Product Name
Serial No
Currency
Minimum Deposit Amount
Tenor
Interest Rate
Issuance Period
2018 HSBC CDs (52nd session)_60M
R201804030600002
RMB CNY 300K
60M
3.98%
03/Apr/2018 –02/May/2018

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Frequently Asked Questions