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Personal Banking > Saving > RMB Savings

A kind of savings in the form of Hua Xia Bank Card (Hua Xia card, Hua Xia Sinobeauty Card, Hua Xia Gold Card, and Hua Xia FX Card) and passbook, without deposit period defined. Cash can be deposited or drawn at anytime without restriction on the amount. Initial minimum is an amount of foreign currency equivalent to RMB 20, no ceiling. Currency options are US Dollar, HK Dollar, Japanese Yen, Euro Dollar or Sterling Pound.

1. Easy to deposit/withdraw: Just go to any Hua Xia outlets where such service is available. 
2. Flexible: Once you deposit/transfer FX cash into Hua Xia FX Card, you can trade it through Hua Xia Internet Banking or Customer Service Center (Phone Banking).
3. No tax: No tax will be levied again on interest income if your country has signed agreement with China.

Interest will be accrued at FX Current Savings rate quoted on the date of settlement.

Applicable Clients: 
Chinese residents, foreigners living in China, as well as foreigners, Hong Kong, Macau and Taiwan compatriots who have stayed in China for more than a year.

Service Channels:
If you choose to use Hua Xia passbook, at Hua Xia outlets you can open or cancel the account, deposit or withdraw cash, transfer, remit, check accounts, report loss in written, change password and exchange foreign currency. Through Internet Banking you can check account and report loss verbally. Through Customer Service Center (Phone Banking) you can check account, change password and report loss verbally. If you choose to use Hua Xia card, at Hua Xia outlets you can open account, check account and draw cash. At Self-Service Banking, Customer Service Center (Phone Banking) or Internet Banking, you can check the accounts in the card.

How to Apply?
1. Open Account: Open the account at Hua Xia outlets with your valid ID and collect Current Savings Passbook or Hua Xia card. No need to produce ID card when renew.
2. Draw Cash: At Hua Xia Bank, present your passbook or Hua Xia card, valid ID card if you draw FX cash under USD 10,000 or equivalent. Original documents must be produced to verify your real identity if you draw FX more than USD 10,000 (inclusive) or equivalent. Coins and changes will be paid in RMB. 
3. Exchange RMB: Change an amount under USD 10,000 or equivalent to RMB at Hua Xia counter directly. Documentations on FX income are required if you exchange an amount between USD 10,000 and USD 50,000 or equivalent to RMB. Approval from the State Administration of Foreign Exchange must be presented if you exchange an amount over USD 50,000 or equivalent to RMB.
4. Remittance: Single remittance under USD 2,000 or equivalent can be applied at Hua Xia outlets,single remittance over USD 2,000 (inclusive) or equivalent needs approval from the State Administration of Foreign Exchange.
5. Close Account: Account can be cancelled anytime. Interest will be repaid with principal when the account is closed.
6. Others: Valid ID must be produced for report of loss, cancel the report of loss, change of password, renewal of passbook/card and withdrawal. If someone applies for you on behalf, ID documents to verify you and your representative are necessary (Cancel the report of loss and change password must be done by yourself).

1. Please keep your savings passbook or bank card in a safe place. If lost your passbook/CD, report to Hua Xia Bank straight away either at Hua Xia counter, Customer Service Center (Phone Banking), or Internet Banking verbally. Report of loss in written can only at Hua Xia outlets, cancel the report of loss must be at the original outlet; report loss of card can be made at customer service center; you can also report loss of card in written or verbally via Internet Banking or at Hua Xia counter. Report of loss in written must be done within 5 days after you have made verbally. Replace passbook/bank card or close the account 7 days later.
2. Set a password as combination of numbers so that it is not easy to be cracked. Keep the password confidential and do not let others know it.

Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.