Recently, many banks have launched preferential deposit rates to attract customers. Long-term deposits will fall and short-term deposits will rise. This will become the trend of time deposit discounts in 2023. Time deposits are relatively low-risk, stable returns, and low entry threshold. In the current environment, it can be regarded as a short-term investment. Good choice. This time, the goal is to deposit 10,000 Hong Kong dollars. Let’s see which bank has the best fixed deposit interest rate?
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In Mobile Banking, Branches and Phone Banking, exchange designated currency and open a weekly or monthly time deposit to enjoy preferential annual interest rates. From now until March 31, 2023, customers can enjoy an additional +0.5% p.a. For Shangyu customers, the 1-year interest rate of Hong Kong dollar time deposit reaches 10% / 1-month annual interest rate of fixed deposit reaches 4%, the 1-year interest rate of Hong Kong dollar time deposit for Premier Banking customers reaches 9.9% / 1-month annual interest rate of fixed deposit reaches 3.9%, One/ For other customers, the 1-year interest rate of Hong Kong dollar fixed deposit is 9.8% / the 1-month annual interest rate of fixed deposit is 3.8%.
Hang Seng Bank has launched special preferential annual interest rates for time deposits. Through online banking, phone banking or branches, you can set up time deposits with a designated amount of “eligible new fund balance” and enjoy preferential annual interest rates according to the type of time deposit account.
Individual customers who choose “Comprehensive Financial Services” open a 3, 6 or 12-month “New Fund Preferential Time Deposit” with “Eligible New Fund Balance” via Internet Banking or Mobile Banking to open HKD 10,000 or above, You can enjoy a preferential annual interest rate.
From now until January 30, 2023, deposit eligible new funds at China CITIC Bank and register Monopoly deposit to enjoy an extra annual interest rate of up to 7.28%!
Chong Hing Bank cloud interest rate discount, the minimum deposit amount is 5,000 Hong Kong dollars, and the preferential time deposit annual interest rate is only applicable to 7 days, 14 days, 1 month, 2 months, 3 months, 6 months, 9 months or 12 months Month deposit period, eligible HKD time deposit amount is HKD 5,000 to HKD 50 million. Cloud interest rate refers to the interest rate for personal customers who set up time deposits via Chong Hing Internet Banking/Mobile Banking.
Deposit a minimum of HKD 10 to start a time deposit. The annual interest rate is the same, and you can make a time deposit anytime, anywhere. Huili Bank’s GoSave 2.0 time deposit can enjoy an annual interest rate as high as 4.40%.
Furong Bank is also a virtual bank with no minimum deposit. Fixed deposits are divided into four categories, but the interest rates are actually the same.
In the virtual bank Airstar Bank, customers can customize the number of deposit days for fixed deposits, and can withdraw early at any time without penalty interest. This inclusive service promises to last for at least 3 years.
*The annual interest rate is for reference only and not guaranteed, and may change due to prevailing market conditions.
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