Top of main content

Time Deposit

Foreign Exchange & Time Deposit Offer

  • Exchange currencies and place them in a 1-week time deposit to enjoy up to 11% p.a. preferential interest rate via HSBC HK App, branch and phone banking. T&Cs apply. Currency conversion involves risk.

Hong Kong Dollar Time Deposit

Save your money for a set period of time and get a higher interest rate than in an easy access savings account.


Start saving with just HKD10,000.

  • Choice of term from 1 day to 36 months to suit you

  • Access your account via branches, phone banking, online and mobile

  • HSBC Premier customers may get a preferential interest rate

  • Choice of renewal options on maturity

How to Apply

Renminbi Time Deposit1

Put your renminbi in a safe place for a fixed time, earning higher interest than in an easy access account.


Start saving with just RMB10,000.

  • A range of tenors to suit you, from one week to one year

  • 24-hour access to your account via phone banking, online and mobile

  • Gives you convenient renminbi services if you have ties to China

How to Apply

Foreign Currency Time Deposit

A choice of 10 major currencies2, and a higher interest rate than equivalent savings accounts for saving for a fixed period.


Open your Foreign Currency Time Deposit account with a minimum deposit amount as low as 2,000 units in foreign currency, except Japanese Yen and Thai Baht (100,000 units each), and Swiss Franc and Singapore Dollar (10,000 units each).

  • Interest paid half-yearly on deposits for 18 months or longer, or on maturity

  • Get preferential interest rates, based on your integrated account type, deposit amount, deposit period and Total Relationship Balance

  • Access your Time Deposit via branches, phone banking, online or mobile

How to Apply

Have you considered

All-in-one integrated account for deposits, credit cards, investment, insurance etc. You’ll have access to a comprehensive range of services, including foreign currency deposits and Renminbi services. A single, easy-to-read monthly statement helps you grasp your complete financial situation at a glance.

A man using megaphone is dancing with a woman; image used for HSBC One

Experience banking, the way it should be.

Earth with birds and white clouds background; image used for the HSBC Premier page.

HSBC Premier offers a range of international services and products to help you build a world for you and your family.

Several rows of decorative keys; image used for HSBC Jade Page.

A bespoke banking experience to help you enjoy the best life has to offer.


1 Renminbi Time Deposit account must be opened with a Renminbi Savings Account under the same name and account number. All Renminbi Time Deposit or withdrawal transactions must be made through the corresponding Renminbi Savings Account

2 10 major currencies include Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Singapore Dollar, Swiss Franc, Thai Baht and US Dollar.


Risk Disclosure

Currency conversion risk - the value of your foreign currency and renminbi deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your renminbi deposit to other currencies at an exchange rate that is less favorable than the exchange rate in which you made your original conversion to renminbi, you may suffer loss in principal. 

Investment involves risks. Past performance of investment products are no guide to future performance. For details of the investment products and the investment-linked insurance plan, their related fees and charges and risk factors, please refer to the individual product materials/ offering documents.