Product Overview

A personal large-denomination certificate of deposit is a book-entry certificate of deposit issued by Bank of China. It offers nine terms, including 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years, and 5 years. The interest rate at maturity is more favorable than the listed rate for deposits of the same term, and it is transferable between individual customers. The certificate is issued electronically, and a physical certificate can be provided upon the customer's request. For specific product issuance information, please refer to the announcements on BOC's official website (www.boc.cn).

Application Channels

This service is available at BOC branch counters or via the BOC mobile banking app, online banking, and ATMs. Some products and transactions are only available through specific channels. For details, please refer to the customer notice for personal large-denomination certificate of deposit products of BOC.

Required Documents

Individual customers who have opened RMB current deposit accounts at BOC can purchase this product by presenting their valid real-name identification documents at BOC branch counters, smart counters, or through the BOC mobile banking app and online banking. For the initial purchase, customers must designate an RMB current deposit account as the linked account, which will serve as the debit account for the subscription and the receiving account for the principal and interest.

Notes

This product is not automatically renewable. It is available in limited quantities on a first-come, first-served basis.