Time Deposit Rate
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A Citibank customer using Citi Mobile App

Time Deposit is a type of savings account that earns a fixed interest rate until it reaches maturity. Investing money in a time deposit account is an ideal option for those who want to earn assured returns. A Citibank time account lets you get preferential interest rates, which you can easily check out from the Citi Mobile App. What’s more, it provides flexible renewal instructions, so you can access it without any hassle.
Setting up time deposit is a safe and convenient way to enhance your savings. Besides augmenting your savings, a time deposit offers some unique advantages such as:

  • Assured returns
  • Preferential interest rates
  • Wide range of tenures
  • Wide choices of currencies
  • Flexible renewal instructions

Booking a time deposit account in Hong Kong is easy with Citibank

  • Use Citi Mobile® App to book Preferential Time Deposit anytime without visiting the branch
  • Enjoy personalized interest rate through our Citi Mobile® App

Place your time deposit online now!

Click Here for Interest & Foreign Exchange Rates of the Day


Getting the most Preferential Time Deposit Privileges rate is now easier than ever.
All you need is Citi Mobile® App!

Get the most preferential rate
on your mobile
Book a Preferential Time Deposit Privileges anytime, anywhere with our 24/7 service

Enjoy the same preferential rate across all channels !
(All rates quoted are for reference only)
No need to visit a branch for a preferential rate via your Relationship Manager
Get the same preferential rate regardless of Citibank Online, Citi Mobile® App or through your dedicated Relationship Manager

Highest Time Deposit Rate

How to book

It just takes a few easy steps to book a Preferential Time Deposit Privileges !

Steps to book a Preferential Time Deposit Privileges

Terms & Conditions:Terms & Conditions:

  • Interest rates and foreign exchange rates quoted above are for reference only. Relevant terms and conditions apply.

  • 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 and/ or Citibank, N.A. 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 and/ or Citibank, N.A.

  • All obligations herein are payable solely at and by the Citi entity where the [Time Deposit] is booked, 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.

  • Real-time Booking Hours:

    Mon to Fri 09:00 A.M. - 08:00 P.M.

    Sat (HKD & RMB deposits only) 09:00 A.M. - 06:00 P.M.

    For time deposit setup instruction submitted outside real-time booking hours, your instruction will be executed on the next business day.


    For Preferential Time Deposit Privileges set up after 06:00 P.M. on Dec 2, 2017 (Saturday), the value date & interest calculation will only be started on Dec 4, 2017 (Monday).

    For further assistance, please contact 24-Hour CitiPhone Banking (852) 2860 0333.

  • For Time Deposit with the renewal instruction as “renew principal and dispose of interest to Savings or Checking account”, the interest will be deposited to the relevant account by 6:00 am on the next day after the maturity date.