Retail Account Customers
Savings Account
Support HKD/USD/CNY, manage your savings flexibly and enjoy a preferential annual interest rate
HKD/USD/CNY are all protected by the Deposit Protection Scheme, with a maximum coverage of HK$800,000
Transfer funds from your account INSTANTLY at your fingertips
Protect your savings with our 'Money Safe' anti-fraud measures
PAO Bank Limited is a member of the Deposit Protection Scheme. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
Savings Interest Rate
| Account | HKD (Annual Interest Rate) | CNY (Annual Interest Rate) | USD (Annual Interest Rate) |
|---|---|---|---|
| Savings Account | -- | -- | -- |
The above Interest Rates last updated date: --
The Annual Interest Rates are calculated on the basis of different number of days in a year for different currencies, subject to the Bank's determination from time to time.
HKD - 365 days | CNY, USD - 360 days
HKD - 365 days | CNY, USD - 360 days
The above Annual Interest Rates are for reference only and are subject to market fluctuations and the final rates at the time of transaction.
Time Deposit
- • Place your Time Deposit with a low threshold and easily enjoy stable interest returns
- • Support HKD/USD/CNY, securing an exceptionally high annual interest rate
- • Enjoy flexible fixed-term options from 1 to 12 months - designed to fit your financial needs
- • 24 X 7 time deposits anytime, anywhere
Time Deposit Rate
| Deposit Period | HKD (Annual Interest Rate) | CNY (Annual Interest Rate) | USD (Annual Interest Rate) |
|---|---|---|---|
| 1-Month | -- | -- | -- |
| 3-Month | -- | -- | -- |
| 6-Month | -- | -- | -- |
| 12-Month | -- | -- | -- |
The Annual Interest Rates are calculated on the basis of different number of days in a year for different currencies, subject to the Bank's determination from time to time.
HKD - 365 days | CNY, USD - 360 days
HKD - 365 days | CNY, USD - 360 days
The above Annual Interest Rates are for reference only and are subject to market fluctuations and the final rates at the time of transaction.