Link
1 days left until this offer expires
Skip to main content

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details, please read our Online Terms & Conditions, Privacy Policy, Cookies Policy and Personal Information Collection Statement.

Personal e-Banking
Personal Stock Trading
Business e-Banking
Hang Seng HSBCnet
System Maintenance Schedule Register e-Banking

Search by category

    Cancel

    Popular searches

    Here are our search suggestions

    Time Deposits

    Set up now

    Place a time deposit with new funds to enjoy the preferential interest rate

    Set up now
    View new fund rate

    HKD Time Deposit

    • Enjoy a preferential rate by setting up a time deposit online
    • Earn higher interest compared to other savings accounts
    • Start saving with just HKD10,000
    • Flexible deposit terms from 1 day to 5 years
    • Receive monthly interest[1] for terms from 18 months to 5 years, with a minimum deposit amount of HKD50,000

    CNY Time Deposit

    • Start saving with just CNY10,000
    • Flexible deposit terms from 1 week to 12 months

    Foreign Currency Time Deposit

    • Choose from 10 foreign currencies: AUD, CAD, EUR, JPY, NZD, GBP, CHF, ZAR, THB and USD
    • Start saving with just 1,000 in foreign currency, except JPY and THB at 100,000 each and ZAR at 10,000
    • Flexible deposit terms from 1 week to 5 years[2]
    • For AUD, CAD, EUR, NZD, and GBP deposits with terms from 18 months to 3 years, and USD deposits with terms from 18 months to 5 years, you can receive monthly interest[3] with a minimum deposit of 10,000 in foreign currency

    FAQs

    Channels Transaction time

    Personal e-Banking and Hang Seng Mobile App
    • Monday to Friday: 8:00 a.m. to 7:55 p.m.
    • Saturday (only applicable to HKD time deposit): 8:00 a.m. to 4:55 p.m.

    Phone Banking
    • Monday to Friday: 9:00 a.m. to 7:00 p.m.
    • Saturday: 9:00 a.m. to 12:55 noon

     

    For time deposit instructions submitted outside the transaction time (Sunday, Hong Kong public holidays, holidays of the country or region where the currency is issued, and non-clearing days due to adverse weather conditions such as typhoon signals or rainstorm warnings), they'll be processed on the next working day.

    If the maturity date or interest payment date fall on a non-clearing day, such as:

    • Sunday
    • Hong Kong public holidays
    • Holidays of the country or region where the currency is issued
    • Non-clearing days due to adverse weather conditions such as typhoon signals or rainstorm warnings

    The principal and interest will be paid on the next clearing day, with the interest being paid up to, but excluding that day, based on the contractual interest rate.

    You can choose the following types of maturity instructions:

    • Full renewal: to renew both principal and interest for a specific period
    • Renew principal and credit interest: to renew principal only, the interest will be credited to a specific account
    • Add specific amount to principal: A fixed amount will be added to the principal for each renewal
    • Deduct specific amount from principal: A fixed amount will be deducted from the principal for each renewal
    • Uplift both principal and interest: to uplift the deposit by crediting both principal and interest to a specific account

    You can amend the instruction at least one working day (before 7:55 p.m. from Monday to Friday and before 4:55 p.m. on Saturday) before the maturity date via Personal e-Banking or Hang Seng Mobile App.

    Please note that if you choose an auto-renew maturity instruction, your deposit will continue to be renewed automatically at our prevailing board rates upon maturity until you change the maturity instruction.

    At the request of the depositor, we may, at our discretion, allow the uplift of time deposit before maturity (not applicable to ZAR and THB Time Deposits) and reserve the right not to pay interest on the deposit and to charge a handling fee.

    Set up a time deposit with new funds via Hang Seng Mobile App to enjoy a preferential rate. Download now!

    scan to download Hang Seng Mobile App

    Download Hang Seng Mobile App via APK file

    Latest offers

    Link

    You may be interested in

    Foreign Exchange

    The one-stop FX service platform for your hassle-free 24/7 foreign currencies trading. Enjoy the convenience of instant FX trading anytime anywhere.

    View details
    FX involves exchange rate risk. Terms and Conditions apply.

    Payroll Service

    PayDay+ comes with comprehensive banking support and a wide range of exclusive offers, offering you the flexibility to grow your wealth with ease.

    Promotion offers
    View details
    Terms and Conditions apply.

    Don't have an integrated account?

    Mobile Account Opening / Upgrade

    Open or upgrade a bank account anytime, anywhere via Hang Seng Mobile App[4]

    Apply now
    View details
    Terms and Conditions apply.

    Useful information

    Need help?

    Call us via customer service hotline

    (852) 2822 0228

    Visit our branches

    Find your nearest branch

    Email us

    Leave us a message

    Footnote

    Other point(s) to note

    1. You can view Descriptive information of Personal Account Operations for details about your Savings Accounts, Current Accounts, Time Deposits, Phone Banking and various payment services.

    Remark(s)

    1. If the maturity date and interest payment date for HKD time deposits fall on a non-clearing day, such as:
      • Sunday
      • Hong Kong public holidays
      • Non-clearing days due to adverse weather conditions such as typhoon signals or rainstorm warnings
      The principal and interest will be paid on the next clearing day, with the interest being paid up to but excluding that day, based on the contractual interest rate.
    2. The 4-year and 5-year deposit terms are only available for USD time deposits.
    3. If the maturity date and interest payment date for foreign currency time deposits fall on a non-clearing day, such as:
      • Sunday
      • Hong Kong public holidays
      • Holidays of the country or region where the currency is issued
      • Non-clearing days due to adverse weather conditions such as typhoon signals or rainstorm warnings
      The principal and interest will be paid on the next clearing day, with the interest being paid up to, but excluding that day, based on the contractual interest rate.
    4. Mobile Account Opening / Upgrade is not available to customers who:
      • Only hold joint-named Integrated Accounts
      • Already hold a sole-named Prestige Banking account
      Such customers can make an appointment online to open or upgrade account in any of our branches.

    Risk Disclosure(s)

    1. RMB Currency Risk
      Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
    2. Foreign Currency Risk
      Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency.