“Time Deposit Bian Jian Hao” analyzes the best time deposits of Bian Jian Bank from different angles, remember to click the other articles at the end of the article!
The following are the most complete USD time deposits. This website has searched nearly 20 banks and listed the highest annual interest rates according to different deposit periods, including as short as 1 week and as long as 24 months. The maximum is 10% for 1 week, and the maximum is 5.2% for 3 months or more. Only the options of 4% or above are listed below. However, readers should pay attention to the different entry thresholds, and different banks also have their own requirements, such as the need to designate a wealth management account, new funds, etc., so be sure to pay attention.
List of USD Time Deposits
12 months or more Up to 5.3%
Low threshold up to 4.8%
12 months or more long-term interest rate, Dah Sing Bank’s 5.3% is the highest, and the deposit period is 12 months, but it needs to be opened at the branch with new funds equivalent to 2 million Hong Kong dollars for VIP banking service customers.
Followed by Fubon Bank’s 5.1%, the deposit period is 12 months, and the minimum deposit amount is 1 million Hong Kong dollars or equivalent of new funds or exchange funds.
CCB Asia offers a maximum of 4.85%, and the deposit period is also 12 months, but the initial deposit is also calculated in millions of Hong Kong dollars, and the threshold is high.
If you want to lower the threshold, Public Bank’s 4.8% is the most calculated, and the initial deposit is only US$2,000. Both Bank of Communications Hong Kong and Chong Hing Bank have 4.75%, and the initial deposits are US$3,000 and US$1,000 respectively. The above is also a 12-month deposit period.
The 12-month 4.7% of the Bank of East Asia only needs to be 100,000 Hong Kong dollars equivalent, provided that the new funds are opened at the branch. BEA also offers a 4.9% option, but it needs to be a new SupremeGold customer, and the minimum deposit amount is equivalent to HKD 500,000.
6 months up to 5.2%
Low threshold up to 4.65%
The 6-month deposit period is similar to the 12-month deposit period, and the highest annual interest rate is also Dah Sing Bank and Fubon, which are 5.2% and 4.8% respectively, but the conditions are also as high as the above-mentioned 12-month deposit period.
The lowest threshold is the Bank of Communications Hong Kong and Chong Hing Bank, with 4.65%, and the minimum deposit amount is US$3,000 and US$1,000, both of which need to be opened through electronic channels.
East Asia, DBS, and CNCBI all have 4.5%, and the initial deposits are HK$100,000 equivalent, US$6,000 and US$1,500 respectively.
3-4 months up to 4.7%
Up to 4.68% for HK$100,000 or below
The deposit period of 3-4 months is the first choice of many people, because they do not want to lock up funds for too long. And the annual interest rate of this deposit period is not low, the highest is 4.7%, it is Fubon Bank, the condition is 1 million Hong Kong dollars equivalent, and new personal customers choose Ambassador Banking and online banking services.
If the threshold is low, Fubon also provides 4.68% for 3 months, only 100,000 Hong Kong dollars equivalent exchange funds.
Dah Sing Bank temporarily offers a 4-month USD fixed deposit at 4.7%, with a relatively high initial deposit of HK$2 million or equivalent.
Citibank offers 4.6% for 3 months, only 10,000 US dollars, but it needs to be a new customer of Citigroup’s private client business or Citigold, and hold a designated product balance.
1 week short-term deposit up to 10%
Banks sometimes provide foreign currency fixed deposits as short as one week. Among the one-week short-term deposits of US dollars, DBS Bank and Hang Seng Bank’s 10% is the highest. The initial deposit amount of DBS is equivalent to HK$500,000, but you must be a DBS Treasures customer and complete the designated investment transaction at a branch before you can open a 1-week 10% fixed deposit.
10% of Hang Seng Bank, the minimum deposit amount is equivalent to 10,000 Hong Kong dollars, which needs to be the exchange funds of Signature or Prestige Banking customers.
The 1-week US dollar regular annual interest rate of other banks ranges from 6% to 9%. Frankly speaking, it is not too high compared to other foreign currencies, such as British pounds, Australian and New Zealand, etc.
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