Your Accounts

Time Deposit

Having spare cash on hand not required at the moment? Our time deposit accounts offer higher interest rates than current savings, with different timeframes and different interest rates depending on the length of tenure.

1. RMB time deposit accounts

Account types	Periods	Minimum balance requirement
RMB personal time deposit account	3 months, 6 months, 1 year, 2 years, 3 years and 5 years	CNY50
RMB (HK) remittance time deposit account	3 months, 6 months, 1 year, 2 years, 3 years and 5 years	CNY50
RMB (TW) remittance time deposit account	3 months, 6 months, 1 year, 2 years, 3 years and 5 years	CNY50

2. Foreign currency time deposit account

Account type	Currency	Periods	Minimum balance requirement
Foreign currency personal time deposit account	Choose from 10 currencies: USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD, CHF, NZD USD and HKD cash services AUD and SGD cash services (only available at selected branches)	1 month, 3 months, 6 months, 1 year	Foreign currency equivalent to CNY50

Please click here for our latest deposit interest rates