RMB Deposit Interest Rates

Effective from December 25, 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 1.20 1.10
6-month 1.45 1.30
1-year 1.65 1.50
2-year 1.80 1.80
3-year 2.00 2.00
5-year 2.05 2.05
(2) Time Deposit by Installments, Time Deposit of Lump-sum Principal Deposit and Periodic Interest Withdrawal, Time Deposit of Withdrawal by Installments
1-year 1.20 ——
3-year 1.45 ——
5-year 1.65 ——
(3) Demand-time Flexible 按一年以内定期整存整取同档次利率打6折 ——
3. Call Deposit
1-day 0.50 ——
7-day 1.05 ——