Currently, many time deposit interest rates with different deposit periods and the highest interest rates are at4.2% to 5%Recently, many banks have raised interest rates again, with 12-month, 6-month, 4-month and 3-month interest rates reaching new highs. Please see the picture below for details:
▼Click on the image to enlarge
Recently, there have been many regular promotions of high interest rates, but readers who inquire about them are often disappointed because these offers either require new customers or new funds. For example, Citibank’s 5%, Dah Sing Bank’s 4.9% or CCB Asia’s 4.8% all require new customers or large amounts of new funds.
The following is an introduction to you with the highest interest ratesFixed deposit of existing funds, the current existing funds are not inferior to new funds, and the highest Hong Kong dollar is 4.6%! Some of them have low thresholds and can be opened with less than 10,000 yuan. See the picture below for details:
Hong Kong dollar existing funding discount
Existing funds 4.6%, low threshold 4.5%
At present, the maximum existing funds are 4.6%, which is a 3-month deposit period discount of Public Bank. The minimum deposit is 500,000 yuan, which is 4.6%, but if it is less than 100,000 yuan, it is also 4.5%.
Fubon’s mobile banking discount has a new interest rate increase today (September 19). The existing funds for 12 months, 6 months and 3 months are 4.5%, but the minimum deposit is 1 million yuan.
In addition to Public Bank, you can also choose virtual banks with low thresholds. Although interest rates have been cut recently, the threshold is still high in terms of low thresholds. For example, Ping An OneConnect has a maximum of 4.3%, a 12-month deposit period, and a minimum deposit of 100 yuan. The above chart does not list the 24-month and 18-month deposit terms. Huili Bank offers 4.2% for these two deposit terms, with a minimum deposit of 10 yuan, and no new funds are required. Its 1-year period also has 4.1%.
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If you have a low threshold, you can also consider CNCBI. Its online existing fund discounts have also increased interest rates recently, with a 3-month deposit period of 4.5% and a 6-month deposit period of 4.15%. As for DBS Bank, its existing funds with a deposit period of 12 months or 6 months also have a 4.1% deposit starting from NT$50,000.
New funds were once as high as 5%
The above-mentioned discounts for existing funds are no less favorable than those for new funds. Citi has new customers and new funds up to 5%. Next, Dah Sing Bank and Public Bank both have 4.9%, which is a slight advantage over existing funds. Details of the new funding are as follows:
Hong Kong Dollar New Fund Offer
If you want to doNew Funding Offerand due to limited funds, consider“How to Make Your Own New Funds”see details:Earn the magic weapon of high-interest fixed deposit to make your own new funds. You must know it.
The last update date of this article: September 19, 2023
More high-interest deposits:
Hang Seng increases deposit interest rate for general customers by 4.2%｜The three major note-issuing banks have taken turns to rise above 4% (with annual interest rates for Hong Kong dollars and US dollars of the four major banks)
[High interest demand deposit]Hang Seng increases to 7.8% Standard Chartered Marathon 7% | September discount update
Are high-interest time deposits good?A lazy person can watch the sun
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2023-09-20 04:24:20
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