Interest Rates for Individual Client Deposit (Effective from 1 October 2025)
2025-09-30
1. Term Deposit Account Interest Rate per Annum - AUD
| Standard Term Deposit | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deposit Amount | Days | Months | ||||||||||||||||||||||||||
| 7 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||||||||||||||||
| 1,000 to 4,999.99 | N/A | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 5,000 to 19,999.99 | N/A | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 20,000 to 29,999.99 | N/A | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 30,000 to 49,999.99 | 0.10% | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 50,000 to 4,999,999.99 | 0.10% | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 5 MIL and over | 0.10% | 3.25% | 0.65% | 0.80% | 0.50% | 0.90% | 1.00% | 1.00% | 1.00% | 3.80% | 1.10% | 1.10% | 1.50% | |||||||||||||||
| 1,000 and over Loyal Customers^ |
4.25%^ | |||||||||||||||||||||||||||
| Special Term Deposit | ||||||||||||||||||||||||||||
| Deposit Amount | Months | |||||||||||||||||||||||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |||||||||||||||||
| 5,000 to 4,999,999.99 | N/A | N/A | 4.15% | N/A | N/A | 4.05% | N/A | N/A | N/A | N/A | N/A | 3.80% | ||||||||||||||||
| Long Term Deposit | ||||||||||||||||||||||||||||
| Deposit Amount | Months | |||||||||||||||||||||||||||
| 15 | 18 | 24 | 36 | 48 | 60 | |||||||||||||||||||||||
| 1,000 to 49,999.99 | 1.50% | 3.35% | 1.50% | 1.50% | 1.50% | 1.50% | ||||||||||||||||||||||
| 50,000 to 99,999.99 | 1.50% | 3.35% | 1.50% | 1.50% | 1.50% | 1.50% | ||||||||||||||||||||||
| 100,000 and over | 1.50% | 3.35% | 1.50% | 1.50% | 1.50% | 1.50% | ||||||||||||||||||||||
^ Loyal Customers are customers who roll over a 1 Month Term Deposit between 01 October 2025 and 31 December 2025 by auto-rollover and maintain a balance of $1,000 or more for the deposit term.
2. Term Deposit Account Interest Rate Per Annum - USD, HKD, RMB
| Currency | Deposit Amount | Days | Months | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 | 1 | 2 | 3 | 6 | 12 | ||||||
| USD | 1,000 to 4,999.99 | N/A | 0.20% | 0.30% | 0.45% | 0.90% | 1.30% | ||||
| 5,000 to 29,999.99 | N/A | 0.20% | 0.30% | 0.45% | 0.90% | 1.30% | |||||
| 30,000 to 99,999.99 | 0.05% | 0.20% | 0.30% | 0.45% | 0.90% | 1.20% | |||||
| 100,000 to 249,999.99 | 0.05% | 0.20% | 0.30% | 0.45% | 0.90% | 1.20% | |||||
| 250,000 and over | 0.05% | 0.20% | 0.30% | 0.45% | 0.90% | 1.20% | |||||
| HKD | 5,000 to 99,999.99 | N/A | 0.05% | 0.10% | 0.20% | 0.50% | 0.90% | ||||
| 100,000 and over | 0.05% | 0.05% | 0.10% | 0.20% | 0.50% | 0.90% | |||||
| CNY | 50,000 to 99,999.99 | N/A | N/A | N/A | 0.58% | 0.88% | 0.88% | ||||
| 100,000 and over | N/A | N/A | N/A | 0.58% | 0.88% | 0.88% | |||||
| Special CNY Term Deposit | |||||||||||
| Currency | Deposit Amount | Months | |||||||||
| 1 | 2 | 3 | 6 | 12 | |||||||
| CNY | 100,000 and over | N/A | N/A | 0.58% | 0.88% | 0.88% | |||||
3. Demand Deposit Account, Cheque Account, Online Saver Account and Overseas Student Account
| Currency | Demand Deposit Account | Cheque Account | ||
|---|---|---|---|---|
| Deposit Amount | Interest Rate per annum | Deposit Amount | Interest Rate per annum | |
| AUD | 1,000 to 99,999.99 | 0.05% | 2,000 to 99,999.99 | 0.01% |
| 100,000 and over | 0.10% | 100,000 and over | 0.01% | |
| USD | 500 and over | 0.01% | ||
| HKD | 5,000 and over | 0.01% | ||
| CNY | 5,000 and over | 0.01% | ||
| AUD | Online Saver Account | Overseas Student Account | ||
| Deposit Amount | Interest Rate per annum | Deposit Amount | Interest Rate per annum | |
| Less than 3,000 | 0.05% | 1,000 to 99,999.99 | 0.05% | |
| 3,000 to 4,999,999.99 | 1.35% | 100,000 and over | 0.10% | |
| 5,000,000 and over | 0.05% | |||
| AUD | *Special Offer New Customers+ Online Saver Account |
|||
| Deposit Amount | Interest Rate per annum | |||
| 3,000 to 499,999.99 | 4.50%* | |||
*Rate applies from 1 October 2025 and 31 December 2025 if the daily account balance stays between $3,000 and $499,999.99 for the full 3 months and no other special offer or bonus rate applies
+ A New Customer is a customer who has not previously held, an account with Bank of China (Australia) Limited either as an account holder or jointly with another person and has not been an account signatory for another account holder before 1 October 2025 and the opens an account and activates a Debit Card within the Promotion Period 1 October 2025 and 31 December 2025.
