INTEREST & FOREIGN EXCHANGE (FX) RATES OF THE DAY

Citigold
HK$1,500,000 or above

Citi Priority
  • • HK$500,000 or above, or
  • • HK$200,000 with HK$50,000
    monthly salary deposit*

Fill in personal information and make an appointment at branch to complete the application
Apply online (around 8 minutes) and shortens your account opening time at the branch

Citigold
HK$1,500,000 or above

Fill in personal information and make an appointment at branch to complete the application

Citi Priority
  • • HK$500,000 or above, or
  • • HK$200,000 with HK$50,000
    monthly salary deposit*

Apply online (around 8 minutes) and shortens your account opening time at the branch

Citibanking: Apply online (around 8 minutes) and shortens your account opening time at the branch

Give you the most
updated rates.

Interest & Foreign Exchange (FX) Rates of The Day

You can have the most up-to-date and accurate Interest and Foreign Exchange (FX) Rates from our website.

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Highest Time Deposit Rate Today:

Currency

Preferential Time Deposit Interest Rate

HKD Up to 1.80% p.a.
USD Up to 2.20% p.a.
RMB Up to 2.80% p.a.
 

Highest Premium Account* Rate Today:

Currency

Preferential Premium Account Interest Rate

USD/CAD 12.50% p.a.
USD/AUD 11.45% p.a.
 

Mutual Fund Transfer-in Time Deposit Offer:

Transfer in amount

Time Deposit Currency

Preferential Time Deposit Interest Rate

≥ HKD200,000 equivalent HKD / USD / AUD / NZD /
GBP / CAD / RMB
Up to 5.0% p.a.
 

Foreign Currency Time Deposit Offer:

Transfer in amount

From Currency

Time Deposit Currency

Preferential Time Deposit Interest Rate

≥ HKD200,000 equivalent HKD / USD RMB Up to 6.0% p.a.
HKD / USD / EUR / CHF / JPY AUD / NZD / CAD Up to 4.0% p.a.

Remarks:Remarks:

*
Premium Account is not equivalent to time deposit.

General Terms and Conditions for Time Deposit :General Terms and Conditions for Time Deposit :

  • The up to 2.80% p.a. RMB 3-month/6-month time deposit offer is subject to quota availability and is being offered on a first-come-first-serve basis. Clients must bring in new fund of RMB 300,000 (or above), and set up 3-month/6-month tenor RMB time deposit in order to enjoy 3.00% p.a. deposit rate. The preferential RMB time deposit offer is not applicable to the time deposit set up via online or mobile banking.
  • 1.80% p.a. HKD 3-month time deposit offer is only applicable to New-to-bank Citigold Private Client and Citigold clients (Clients who do not hold any Citibank banking account in the past 12 months) who set up a HKD 3-month time deposit with new fund of HK$50,000 to HK$20,000,000. Clients must apply for the Integrated Wealth Management Service which includes Mutual Fund, FundSelect Savings Plan, Bonds Brokerage Service, Structured Investment Product, Hong Kong Securities Service, US Securities Service, Shanghai-Hong Kong Stock Connect – Shanghai Securities Services, Shenzhen-Hong Kong Stock Connect – Shenzhen Securities Services (collectively “Securities Services”), Market Linked Account, Premium Account and their associated settlement accounts (collectively “Integrated Account”).New-to-bank Citi Priority and Citibanking clients (Clients who do not hold any Citibank banking account in the past 12 months) who set up a HKD 3-month time deposit with a new fund of HK$50,000 to HK$20,000,000 can enjoy up to 1.60% p.a.. Clients must be a holder of Stock Accounts (HK, US & Shanghai A-shares via SH-HK Stock Connect).
  • New funds are defined as the new-to-bank funds incremental to the latest total account balance compared to the Average Daily Combined Balance of the previous month. Funds transferred within the Bank will not be eligible. The Average Daily Combined Balance is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of days in the month.
  • The 4.00% p.a. AUD / 4.00% p.a. NZD 1-month time deposit rates are only applicable to clients who set up a 1-month time deposit with AUD / NZD funds that were converted from HK$200,000 (or above) or equivalent HKD/USD/EUR/CHF/JPY with the Bank.
  • All above mentioned time deposit offers are not applicable to time deposits set up via online or mobile channel and are subjected to change from time to time without prior notice.
  • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rate would depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. The preferential interest rate is subject to quota availability and it will be offered in first-come-first-serve basis.

    FX foreign currency trading is subject to rate fluctuations which may provide both opportunities and risks. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time. Investors may experience a loss when they convert foreign currency back to their home currency. Investors should therefore carefully consider whether such trading is suitable for them in light of their own financial position, investment objectives and risk profile. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.

    Citibank (Hong Kong) Limited reserves the right to amend these Terms and Conditions without prior notice. All matters and disputes will be subject to the final decision of Citibank (Hong Kong) Limited.

    All obligations herein are payable solely at and by Citibank (Hong Kong) Limited, subject to the laws of Hong Kong (including governmental actions, orders, decrees and regulations). Products might only be applicable to limited jurisdictions.

    RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. The actual conversion arrangement will depend on the prevailing restrictions at the relevant time . The exchange rate of RMB can go up and down. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. Customers are offered offshore ("CNH") rates for RMB conversion.

    In case of any discrepancy between the English and Chinese versions of the content, the English version shall prevail.

Terms and conditions for "5% p.a. Time Deposit Reward":

  • The promotion period ("Promotion Period") is valid from October 2 to December 31, 2018 , both dates inclusive.
  • The Time Deposit Reward (“Reward”) is not applicable to U.S. persons.
  • Clients have to call their Relationship Manager to register in order to enjoy the Reward.
  • Clients can enjoy the Time Deposit Reward by transferring in Mutual Funds worth HK$200,000 or above (or equivalent amount) authorized by the Securities and Futures Commission (excluding class B funds) to the Bank successfully during the Promotion Period. The Mutual Funds for transfer-in must be currently available for distribution by the Bank. Clients must maintain the transferred Mutual Funds units or their equivalent net asset value amount (as of transfer completion date) with the Bank for 12 months or above.
  • The Reward refers to a 5% p.a. 1-month time deposit offer in HKD/USD/AUD/NZD/GBP/CAD/RMB, upon fulfilling requirements under clause 4 above. Mutual Funds transfer-in must be completed during the Promotion Period while time deposit must be set up within 1-month after the Promotion Period, i.e. on or before January 31, 2019.
  • The principal amount of the time deposit eligible for the Reward must not exceed the value of the Mutual Funds transferred in and subject to a cap of of HK$15,000,000 (or its equivalent in foreign currencies). Illustration: Clients who transfer in Mutual Funds can enjoy the Reward with an amount not more than the transfer-in amount for Mutual Funds. E.g. Clients can enjoy the 5% p.a. 1-month AUD time deposit offer of HK$500,000 after transferring in Mutual Funds worth HK$500,000.
  • The Reward is not applicable to time deposits set up via online or mobile channels.
  • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rate will depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. The Time Deposit Reward is subject to quota availability and will be offered on a first-come-first-serve basis.
  • Once the Reward has been selected and accepted by The Bank, no cancellation or change can be made.
  • All disputes are subject to the final decision of Citibank (Hong Kong) Limited, which reserves the right to amend the terms and conditions without prior notice.

Terms and conditions for "Foreign Currency Time Deposit Offer":

  • The 6.00% p.a. RMB 1-month time deposit rates are only applicable to clients who set up a 1-month time deposit with RMB funds that were converted from HK$200,000 (or above) or equivalent HKD/USD with the Bank.
  • All above mentioned time deposit offers are not applicable to time deposits set up via online or mobile channel and are subjected to change from time to time without prior notice.
  • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rate would depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. The preferential interest rate is subject to quota availability and it will be offered in first-come-first-serve basis.
  • FX foreign currency trading is subject to rate fluctuations which may provide both opportunities and risks. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time. Investors may experience a loss when they convert foreign currency back to their home currency. Investors should therefore carefully consider whether such trading is suitable for them in light of their own financial position, investment objectives and risk profile. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.
  • Citibank (Hong Kong) Limited reserves the right to amend these Terms and Conditions without prior notice. All matters and disputes will be subject to the final decision of Citibank (Hong Kong) Limited. 
  • All obligations herein are payable solely at and by Citibank (Hong Kong) Limited, subject to the laws of Hong Kong (including governmental actions, orders, decrees and regulations). Products might only be applicable to limited jurisdictions.
  • RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. The actual conversion arrangement will depend on the prevailing restrictions at the relevant time . The exchange rate of RMB can go up and down. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. Customers are offered offshore ("CNH") rates for RMB conversion.
  • In case of any discrepancy between the English and Chinese versions of the content, the English version shall prevail.

Remarks for Time Deposit and Premium Account rates:Remarks for Time Deposit and Premium Account rates:

  • The interest rates will be updated daily from Monday to Friday (excluding Public Holidays).
  • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rates would depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. Foreign currency time deposit is subject to exchange rate fluctuations, which may provide both opportunities and risks. Please contact 24-Hour CitiPhone Banking at (852) 2860 0333 for details.
  • The above Premium Account (PA) Interest Rate is for reference only. PA interest rate is formulated based on a number of factors. This information does not constitute any offer or solicitation to buy or sell. A Premium Account is a structured investment. Investment involves risks, including the possible loss of the principal amount invested. Please refer to the relevant terms and conditions and Important Disclaimer.
  • Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction.