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Home > Personal Banking > Renminbi Integrated Services > Deposits
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  • A comprehensive range of RMB deposit services including savings, current and fixed deposit allows you to enjoy potentially attractive returns.
  • Multiple banking channels for you to manage accounts with flexibility through Internet Banking, Phone Banking, and our branches and ATM service network spanning Hong Kong, Kowloon and the New Territories.
  • Express Exchange (standing instruction) service for automatic RMB exchange and transfer enables you to plan your accounts and fund flows in advance.
  • Opening RMB savings account at our branches in the Mainland increases flexibility in your fund management.
  • You can choose RMB Fixed Deposit with Monthly Interest Payment with deposit periods of 3-month or 6-month. Interest is automatically credited to your designated account on a monthly basis without having to wait for the maturity of general fixed deposit.
    Service regulations
    • Exchange from HKD for RMB deposit:  upper limit is RMB20,000 equivalent per day per person.
    • Exchange from RMB deposit for HKD: upper limit is RMB20,000 per day per person.
    • There is no upper limit to the amount of funds deposited into an RMB savings and fixed deposit account.
    • Each RMB current account is subject to a daily limit of RMB80,000 for using in Guangdong Province. There is no upper amount limit for using in Hong Kong.


Risk Disclosure:

  1. RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into Hong Kong dollars or other foreign currencies.
  2. RMB is currently not fully freely convertible and conversion of RMB through banks is subject to a daily limit. Customers should allow time for exchange of RMB from/to another currency of an RMB amount exceeding the daily limit.
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Related Links
Trading Rates: Deposit Rates
Renminbi Deposits Tips
Easy Appointment: Account Opening
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