Personal Banking

RMB Deposit Interest Rates

Effective from September 1, 2023
Annual Interest Rate (%)
Retail Deposit Non-guarantee Deposit Guarantee Deposit
1. Demand Deposit 0.20 0.20
2. Time Deposit    
(1) Lump-sum Deposit and Withdrawal    
3-month 1.30 1.10
6-month 1.55 1.30
1-year 1.75 1.50
2-year 2.00 2.00
3-year 2.25 2.25
5-year 2.30 2.30
(2) Time Deposit by Installments, Time Deposit of Lump-sum Principal Deposit and Periodic Interest Withdrawal, Time Deposit of Withdrawal by Installments    
1-year 1.30 ——
3-year 1.55 ——
5-year 1.75 ——
(3) Demand-time Flexible 40% discount of Time Deposit of Lump-sum Deposit and Withdrawal --
3. Call Deposit    
1-day 0.70 --
7-day 1.25 --
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