Deposit

Through our renminbi (RMB) and foreign currency deposit accounts, you can easily manage your funds. We take good care of your banking needs, so that you can focus on your business growth. We offer comprehensive account services to meet your requirements.

RMB account

  • Basic Account
      • Each company can only open one RMB basic account at bank
      • Can be used for daily operating cashflow, employee payroll and cash withdrawal
      • Interest will be paid at the prevailing Current Account interest rate
  • General Account
      • There is no limit in the number of General Accounts that can be opened (not available at the bank which the Basic Account is held)
      • Can be used for daily operating cashflow in RMB but cash withdrawal is not allowed
      • Interest will be paid at the prevailing Current Account interest rate
  • Temporary Account
      • To cater temporary needs and must be used within the approved time period
      • Cash withdrawal is not allowed
      • Interest will be paid at the prevailing Current Account interest rate
  • Term Deposit Account
      • Deposit tenor may be 3 months, 6 months, 12 months or above
      • Cash withdrawals can be made any time (Interest will be paid at the prevailing Current Account interest rate for premature withdrawal)
      • Interest will be paid at the prevailing fixed interest rate

Foreign currency account

  • Capital Account
      • To receive injections and increases in investment capital
  • Settlement Account
      • For foreign currency collections and payments for current items (trade or non-trade) and approved capital items
  • Loan Account
      • To receive onshore foreign currency loan
      • Exchange into RMB is not allowed
  • Term Deposit Account
      • Tenor of 1 month, 3 months, 6 months, 1 year or 2 years are available for term deposits.
      • Tenor and interest rates are negotiable for term deposits of more than USD3 million.
  • Foreign Debt Account
      • To receive loan proceeds from overseas
      • Foreign debt registration at State Administration of Foreign Exchange is required.
For account opening or more information on our deposit products, please visit or contact our branches.

Wholesale Banking Hotline

400 920 1200
If you are calling from overseas：
Please dial (86-21) 6061 8826
(8:00-20:00, business days)

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