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Foreign Bank USD Fixed Deposit Details

Below is detailed information about foreign bank USD fixed deposits, sourced from official bank websites, updated on March 10, 2026.

Foreign Bank USD Fixed Deposit Rates (2026)

Bank Name 1 Month 3 Months 6 Months 1 Year Remarks
HSBC 1.8% 2.2% 2.7% 3.2% Customizable for amounts ≥ $50,000
Standard Chartered 1.7% 2.1% 2.6% 3.1% Customizable for amounts ≥ $100,000
DBS Bank 1.9% 2.3% 2.8% 3.3% Customizable for amounts ≥ $80,000
Bank of East Asia 1.6% 2.0% 2.5% 3.0% Customizable for amounts ≥ $50,000

Custom Deposit Instructions

For large USD deposits (usually above $50,000), foreign banks typically offer customized deposit services, where interest rates can be negotiated based on factors such as deposit amount and term. For details, please consult each bank's branch.

USD Fixed Deposit Advantages

Interest Rate Advantage

Foreign banks' USD fixed deposit rates are usually higher than those of Chinese banks, especially for large deposits, the interest rate advantage is more obvious.

Customized Services

For large deposits, foreign banks offer customized deposit services, which can customize deposit terms and interest rates according to customer needs.

Global Services

Foreign banks have branches worldwide and can provide global financial services for customers.

Diversified Products

Foreign banks offer various USD-related products, such as USD fixed deposits, USD demand deposits, USD financial products, etc.

USD Fixed Deposit Tips

  • Pay attention to exchange rate changes: The actual return of USD fixed deposits is affected by exchange rate fluctuations, so you should pay attention to exchange rate changes
  • Reasonably arrange deposit terms: Choose appropriate deposit terms based on your fund usage plan
  • Consult customized deposits: If the deposit amount is large, you can consult the bank's customized deposit service to get more favorable interest rates
  • Compare interest rates of different banks: The USD fixed deposit rates of different foreign banks may vary, it is recommended to compare before choosing
  • Understand related fees: When handling USD fixed deposit business, you should understand related fees, management fees, etc.