HKD／USD／CNY Latest Promotions
Customers place a 1-month, 3-month, 6-month or 12-month Time Deposit with designated amount and currencies, can enjoy preferential annual interest rates.
Foreign Currency Time Deposit
Customers place a “Foreign Currency Time Deposit” with designated tenor of original currency $10,000 or above via Internet Banking, Mobile Banking or any of our branches, can enjoy the preferential annual interest rates as follows:
| Currency/Tenor | Preferential Interest Rates (p.a.) |
| AUD | NZD | CAD | GBP |
| 1-month | 2.20% | 2.30% | 2.00% | 2.30% |
| 3-months | 2.60% | 2.50% | 1.60% | 2.60% |
| 6-months | 2.30% | 2.30% | 1.90% | 2.30% |
| 12-months | 2.20% | 2.20% | 1.70% | 2.20% |
>>Terms and Conditions of Foreign Exchange Time Deposit
Foreign Exchange Time Deposit
Customers place a 1-week / 1-month “Foreign Exchange Time Deposit” with conversion of funds via Internet Banking, Mobile Banking or any of our branches, can enjoy the preferential annual interest rates as follows. This offer is not applicable to foreign currency banknotes exchange.
Time deposit
Currency | Tenor / Preferential Interest Rates (p.a.) |
| 1-month | 1-week |
| HKD | 4.08% | 8% |
| USD | 4.08% | 8% |
| CNY | 3.00% | 10% |
| AUD | 3.60% | 13.88% |
| NZD | 3.60% | 13.88% |
| CAD | 3.60% | 13.88% |
| GBP | 3.60% | 13.88% |
| EUR | 3.60% | 13.88% |
>>Terms and Conditions of Foreign Exchange Time Deposit
Other Time Deposit Promotions:
>>Terms and Conditions of Flexi Deposit
>>Terms and Conditions of Club Deposit
Remarks：
- The above offers are not applicable to Corporate customers place a time deposit via Corporate Internet Banking
- The preferential time deposit interest rate are one-time offers for each time deposit and the subsequent renewal rates of time deposits will be subject to the rates quoted by the Chiyu Banking Corporation Limited (the “Bank”) from time to time.
- The above preferential time deposit interest rates are quoted with reference to interest rates offered by the Bank on 1 April 2025. They are not guaranteed and are for reference only. The Bank reserves the right to change the above interest rate offer at any time. Before making the relevant transaction, please check with the staff of the Bank for the effective rate applicable to the transaction.
- A deposit, which would otherwise mature on a non-business day, matures on our next business day. If customers uplift the time deposit before maturity, customer need to pay the handing fee , please refer to the “General Banking Services Charges / Loan Services” and “Deposit Confirmation” for details.
- The above offers are limited and on first-come-first-served basis.
- The above products and offers are subject to the relevant terms and conditions. For details, please refer to the relevant promotion materials or contact the staff of the Bank.
- The Bank reserves the right to amend, suspend or terminate the above offers, and to amend the relevant terms at any time at its sole discretion without prior notice.
- In case of any dispute, the decision of the Bank shall be final.
- Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
Risk Disclosure of Foreign Currency Trading：
- Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into HKD or other foreign currencies. Currency exchange is also subject to cost (being the spread between the buy and sell of relevant currencies).
Conversion Limitation Risk of RMB：
- RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into Hong Kong dollar or other foreign currencies. (Only applicable to Individual Customers) RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. (Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
