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Top 10 Best USD Time Deposit Rates in Hong Kong June 2026
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#1
Foreign Currency Time Deposit - Citibank
Citibank offers competitive USD time deposit rates, with promotional rates reaching up to 4.00% p.a. for new funds. This product is suitable for individuals with existing USD holdings or those looking to diversify their portfolio into foreign currencies. Citibank frequently runs new fund promotions, making it an attractive option for maximizing returns on fresh deposits. The convenience of managing deposits via the Citi Mobile App also enhances its appeal for digitally-savvy customers. The rates offered can vary based on customer segment and specific promotional terms, often requiring investment or insurance balances to unlock the highest tiers.
#2
Fusion Bank USD Time Deposit
Fusion Bank, a virtual bank in Hong Kong, provides highly competitive USD time deposit rates, often among the best in the market. Its digital-first approach means easy account opening and management via a mobile app, appealing to tech-savvy users. A key advantage is the often low or no minimum deposit requirement for competitive rates, making it accessible to a broader range of depositors. Fusion Bank stands out for its straightforward, no-frills digital banking experience coupled with strong interest offerings in foreign currencies.
#3
DBS Bank Online Time Deposit Offer
DBS Hong Kong consistently offers attractive rates for USD time deposits, particularly through its online and mobile banking channels. The bank often provides bonus interest rate rewards for customers placing significant new funds, making it suitable for those with larger sums to deposit. DBS caters to a range of clients, including DBS Treasures and Private Clients who may access further preferential rates. The convenience of 24/7 online placement and auto-renewal options streamline the saving process for busy individuals.