个人客户存款利率（2022年12月7日生效）
2022-12-07
1. 定期存款—澳大利亚元（年利率）
| 标准定期存款 | |||||||
|---|---|---|---|---|---|---|---|
| 存款金额 | 7天 | 1个月 | 2个月 | 3个月 | 4个月 | 5个月 | 6个月 |
| 1,000 to 4,999.99 | Min 30,000 | 0.50% | 0.65% | 0.80% | 0.80% | 0.90% | 1.00% |
| 5,000 to 19,999.99 | Min 30,000 | 0.50% | 0.65% | 0.80% | 0.80% | 0.90% | 1.00% |
| 20,000 to 49,999.99 | 0.10% | 0.50% | 0.65% | 0.80% | 0.80% | 0.90% | 1.00% |
| 50,000 to 4,999,999.99 | 0.10% | 0.50% | 0.65% | 0.80% | 0.80% | 0.90% | 1.00% |
| 5 MIL and over | 0.10% | 0.50% | 0.65% | 0.80% | 0.80% | 0.90% | 1.00% |
| 标准定期存款 | |||||||
| 存款金额 | 7个月 | 8个月 | 9个月 | 10个月 | 11个月 | 1年 | / |
| 1,000 to 4,999.99 | 1.00% | 1.00% | 3.3% | 1.10% | 1.10% | 1.50% | |
| 5,000 to 19,999.99 | 1.00% | 1.00% | 3.3% | 1.10% | 1.10% | 1.50% | |
| 20,000 to 49,999.99 | 1.00% | 1.00% | 3.3% | 1.10% | 1.10% | 1.50% | |
| 50,000 to 4,999,999.99 | 1.00% | 1.00% | 3.3% | 1.10% | 1.10% | 1.50% | |
| 5 MIL and over | 1.00% | 1.00% | 3.3% | 1.10% | 1.10% | 1.50% | |
| 特惠澳元定期存款 | |||||||
| 存款金额 | 7天 | 1个月 | 2个月 | 3个月 | 4个月 | 5个月 | 6个月 |
| 5,000 to 4,999,999.99 | / | / | / | 2.75% | / | / | 3.3% |
| 特惠澳元定期存款 | |||||||
| 存款金额 | 7个月 | 8个月 | 9个月 | 10个月 | 11个月 | 1年 | |
| 5,000 to 4,999,999.99 | / | / | / | / | / | 3.80% | / |
| 长期定期存款 | |||||||
|---|---|---|---|---|---|---|---|
| 存款金额 | 15个月 | 18个月 | 2年 | 3年 | 4年 | 5年 | / |
| 1,000 to 49,999.99 | 1.5% | 3.5% | 1.5% | 1.5% | 1.5% | 1.5% | |
| 50,000 to 99,999.99 | 1.5% | 3.5% | 1.5% | 1.5% | 1.5% | 1.5% | |
| 100,000 and over | 1.5% | 3.5% | 1.5% | 1.5% | 1.5% | 1.5% | |
2. 定期存款—美元、港币、人民币（年利率）
| 标准定期存款 | |||||||
|---|---|---|---|---|---|---|---|
| 货币 | 存款金额 | 7天 | 1个月 | 2个月 | 3个月 | 6个月 | 1年 |
| 美元 | 1,000 to 4,999.99 | / | 0.2% | 0.3% | 0.45% | 0.9% | 1.3% |
| 5,000 to 29,999.99 | / | 0.2% | 0.3% | 0.45% | 0.9% | 1.3% | |
| 30,000 to 99,999.99 | 0.05% | 0.2% | 0.3% | 0.45% | 0.9% | 1.2% | |
| 100,000 to 249,999.99 | 0.05% | 0.2% | 0.3% | 0.45% | 0.9% | 1.2% | |
| 250,000 and over | 0.05% | 0.2% | 0.3% | 0.45% | 0.9% | 1.2% | |
| 港币 | 5,000 to 99,999.99 | / | 0.05% | 0.1% | 0.2% | 0.5% | 0.9% |
| 100,000 and over | 0.05% | 0.05% | 0.1% | 0.2% | 0.5% | 0.9% | |
| 人民币 | 50,000 to 99,999.99 | / | / | / | 0.58% | 0.88% | 0.88% |
| 100,000 and over | / | / | / | 0.58% | 0.88% | 0.88% | |
| 特惠人民币定期存款 | |||||||
| 货币 | 存款金额 | 7天 | 1个月 | 2个月 | 3个月 | 6个月 | 1年 |
| 人民币 | 100,000 and over | / | / | / | 0.58% | 0.88% | 0.88% |
3. 活期账户、支票账户、网银存款账户、海外留学生账户
| 货币 | 活期账户 | 支票账户 | ||
|---|---|---|---|---|
| 存款金额 | 年利率 | 存款金额 | 年利率 | |
| 澳大 利亚元 |
1,000 to 99,999.99 | 0.05% | 2,000 to 99,999.99 | 0.01% |
| 100,000 and over | 0.05% | 100,000 and over | 0.01% | |
| / | / | 透支利率 | 10.78% | |
| 美元 | 500 and over | 0.01% | / | |
| 港币 | 5,000 and over | 0.01% | ||
| 人民币 | 5,000 and over | 0.01% | ||
| 货币 | 网银存款账户 | 海外留学生账户 | ||
|---|---|---|---|---|
| 存款金额 | 年利率 | 存款金额 | 年利率 | |
| 澳大 利亚元 |
小于3,000 | 0.05% | 1,000 to 99,999.99 | 0.05% |
| 3,000 to 4,999,999.99 | 2.05% | 100,000 and over | 0.05% | |
| 5,000,000 and over | 0.05% | / | / | |
