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Countries / 🇨🇳 China
Best time deposit rates in China
CNY time deposit rates from 6 providers, read directly from each bank's website every day, plus 1 more providers to check. Sorted by rate; no paid rankings.
Last checked 18 Oct 2026, 05:37 UTC · all 7 providers
Best 3-month rate
0.65% p.a.
China Construction Bank (中国建设银行)
Board rate
Best 6-month rate
0.86% p.a.
Postal Savings Bank of China (中国邮政储蓄银行)
Board rate
Best 12-month rate
0.98% p.a.
Postal Savings Bank of China (中国邮政储蓄银行)
Board rate
Best rate for a 50,000 CNY deposit, open to any customer. Promotions can end early; confirm with the bank.
Compare time deposit rates
3 banks with a 12-month rate for 50,000 CNY
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Postal Savings Bank of China (中国邮政储蓄银行)整存整取 Time Deposit | 0.98%≈ 490 CNY in 12 months | 12 months | Not stated | Board rate | Przejdź do banku |
| China Construction Bank (中国建设银行)整存整取 Time Deposit | 0.95%≈ 475 CNY in 12 months | 12 months | Not stated | Board rate | Przejdź do banku |
| China Merchants Bank (招商银行)整存整取 Time Deposit (RMB) | 0.95%≈ 475 CNY in 12 months | 12 months | Not stated | Board rate | Przejdź do banku |
"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. Jak zbieramy i weryfikujemy stawki.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for 50,000 CNY at each term, from today's verified offers. Hover a point for the bank.
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Official benchmarks
Source: chinamoney.com.cn, chinamoney.com.cn. Shown as a reference point, not a recommendation.
Deposit protection: Deposit Insurance (存款保险条例)
Deposit insurance pays up to RMB 500,000 per depositor per insured institution, principal and interest combined (Deposit Insurance Regulations, Article 5, in force since 1 May 2015). Source, checked 2026-10-18.
More time deposit providers in China
We list these providers but do not read their rates automatically yet, so we never show a number for them. Check the rate on the bank's own page. Know a bank we should read? Suggest it.
- Agricultural Bank of China (中国农业银行)Bank · check rate on bank site
- Bank of China (中国银行)Bank · check rate on bank site
- Bank of Communications (交通银行)Bank · check rate on bank site
- Industrial and Commercial Bank of China (中国工商银行)Bank · check rate on bank site
Questions about deposits in China
What is the best 12-month time deposit rate in China today?
0.98% p.a. at Postal Savings Bank of China (中国邮政储蓄银行) (minimum deposit: Not stated), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month time deposit rate in China today?
0.86% p.a. at Postal Savings Bank of China (中国邮政储蓄银行) (minimum deposit: Not stated), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
Are time deposits in China protected?
Deposit insurance pays up to RMB 500,000 per depositor per insured institution, principal and interest combined (Deposit Insurance Regulations, Article 5, in force since 1 May 2015).
How many banks do you compare in China?
We list 7 providers. Rates for 6 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
How do time deposit rates compare with the Loan Prime Rate, 1 year (LPR, published by CFETS/National Interbank Funding Center as authorised by the PBOC)?
The Loan Prime Rate, 1 year (LPR, published by CFETS/National Interbank Funding Center as authorised by the PBOC) is 3.00% (2026-09-20 9:00). The best 12-month time deposit rate open to any customer today is 0.98%.
Deposit rates in nearby countries
🇮🇳 India🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand
Missing a bank? Suggest one
We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.