(更新日期：2021年1月)
新冠肺炎於全球再次反彈，中美關係日漸惡化，市場避險情緒升溫，好多朋友仔都轉做外幣定期，而且定期存款仍是風險較低的投資產品，當中以外幣定期存款較受歡迎，尤以美元定期、澳元定期及加元定期最為熱門，市面各銀行有很多不同的外幣定存計劃，GoBear就為大家搜集了香港各大銀行的外幣定期存款優惠，協助你搜尋最佳定期存款利率！
港幣定期存款優惠比較｜人民幣定期存款優惠比較
想儘快了解各大銀行定存優惠，可按以下項目：
HSBC滙豐銀行
| 以2,000美元或以上做網上定期存款，可享以下優惠年利率: |
| 客戶 | 3個月 | 6個月 | 12個月 |
| 尚玉客戶 | 0.15% | 0.15% | / |
| 卓越理財客戶 | 0.15% | 0.15% | / |
| 滙豐One | 0.05% | 0.05% | / |
| 其他客戶 | 0.05% | 0.05% | / |
| 以2,000加拿大元或以上做定期存款，可享以下優惠年利率: |
| 尚玉客戶 | 0.30% | 0.30% | 0.30% |
| 卓越理財客戶 | 0.25% | 0.25% | 0.25% |
| 滙豐One | 0.20% | 0.20% | 0.20% |
| 其他客戶 | 0.20% | 0.20% | 0.20% |
皆是部分銀行各自的外幣定期存款利率，唯需留意以上的年利率優惠並非保證，且受各銀行的條款約束及會隨時受匯率波動而轉變。所以想做定期的朋友記住定時留意GoBear的優惠資訊，再根據自身需求找尋最適合你的外幣定期存款計劃！
東亞銀行外幣定期優惠
特惠定期存款利率
1星期定期存款年利率：起存金額為等值港元5萬元（每天上限：等值港元100萬元）
*經東亞兌換資金並敘做1星期定期存款，專享高達5.00%年利率。
| 貨幣 | 綜合戶口 | 顯卓理財戶口 |
| 紐元 | 3.10% | 3.60% |
| 英鎊 | 4.50% | 5.00% |
| 澳元 | 2.80% | 3.30% |
| 加元 | 3.30% | 3.80% |
| 日圓 | 3.50% | 4.00% |
| 美元 | 2.10% | 2.60% |
中國銀行外幣定期優惠
電子渠道新資金特優定期存款（美元）﹕
選用「綜合理財服務」的個人客戶經網上銀行或手機銀行以(等值)港元1萬元或以上「合資格新資金」開立3或6個月「新資金特優定期存款 」，可享特優年利率如下：
| 客戶 | 3個月 | 6個月 |
| 「中銀理財」客戶 | 0.15% | 0.15% |
| 「智盈理財」客戶 | 0.10% | 0.10% |
| 「自在理財」客戶 | 0.05% | 0.05% |
現有資金特優定期存款（美元）﹕
選用「綜合理財服務」的個人客戶經網上銀行或手機銀行以(等值)港元1萬元或以上開立1、3、6或12個月「現有資金特優定期存款 」，可享特優年利率如下：
| 客戶 | 1個月 | 3個月 | 6個月 | 12個月 |
| 「中銀理財」客戶 | 高達 0.05% | 高達 0.10% | 高達 0.10% | 高達 0.20% |
| 「智盈理財」客戶 | 高達 0.05% | 高達 0.05% | 高達 0.05% | 高達 0.15% |
| 「自在理財」客戶 | 高達 0.05% | 高達 0.05% | 高達 0.05% | 高達 0.15% |
特優外幣定期存款優惠：
中國銀行「綜合理財服務」的個人銀行客戶以兌換資金等值港幣5萬元或以上開立7天或1個月「特優人民幣及外幣定期存款」，可享特優年利率如下：
| 存款期 | 紐元 | 澳元 | 英鎊 | 加元 | 人民幣 | 美元 |
| 7天 | 7.80% | 7.80% | 8.80% | 8.80% | 5.50% | 5.30% |
| 1個月 | 2.00% | 2.00% | 2.00% | 2.30% | 3.00% | 1.00% |
外幣靈活高息定期存款：
中國銀行的優惠適用於已選用「綜合理財服務」的個人銀行客戶，若客戶以等值港幣1萬元或以上開立「外幣靈活高息定期存款」，可以享有優惠的年利率，當中以紐元的年利率最高。
| 存款期 | 紐元 | 澳元 | 英鎊 | 加元 |
| 1天 | 0.01% | 0.01% | 0.01% | 0.01% |
| 7天 | 0.02% | 0.02% | 0.02% | 0.02% |
| 1個月 | 0.05% | 0.05% | 0.03% | 0.03% |
| 3個月 | 0.20% | 0.20% | 0.10% | 0.10% |
渣打銀行外幣定期優惠
相較於其他銀行，渣打銀行的定期存款優惠多了不同選擇，除了特惠年利率外，還有賺取「亞洲萬里通」飛行里數(Asia miles)的優惠。
個人客戶以新資金HK$100,000或其他外幣的等值開立定期存款，可享以下特惠年利率：
| 貨幣 | 3個月存款利率 | 6個月存款利率 | 12個月存款利率 |
| 美元 | 0.05% | 0.05% | 0.10% |
| 澳元 | 0.01% | 0.025% | 0.05% |
| 紐元 | 0.01% | 0.025% | 0.075% |
全新客戶及現有客戶開立美金定期存款，額外贈送「亞洲萬里通」飛行里數(Asia miles) ，讓客戶賺取利息的同時也可賺飛行里數。
| 存款金額 (美元) | 3個月 | 6個月 | 12個月 |
| 新資金 | $10,000 | 400里 | 1,000里 | 3,000里 |
| 新資金 | $100,000 | 4,000里 | 10,000里 | 30,000里 |
| 現有資金 | $100,000 | 3,600里 | 9,000里 | 27,000里 |
星展銀行外幣定期優惠
星展銀行客戶於網上開立定期存款即享現金獎賞及特惠年利率，首次透過DBS digibank流動應用程式開立網上定存更享額外現金獎賞。
獎賞1 – 快速支付系統轉賬現金獎賞
透過 「轉數快」 快速支付系統轉入港幣等值$100,000或以上及以港幣等值$100,000或以上開立網上定存可獲HK$200現金獎賞。
獎賞2– 特惠年利率
以港幣等值$50,000或以上開立網上定存，可享特惠年利率﹕
*向右滑動比較更多
| 貨幣 | 1個月 | 3個月 | 6個月 | 12個月 |
| 澳元 | 0.01% | 0.01% | 0.01% | 0.01% |
| 美元 | 0.10% | 0.20% | 0.20% | 0.15% |
| 紐元 | 0.01% | 0.10% | 0.10% | 0.01% |
上海商業銀行
以全新資金或兌換資金開立美元或英鎊定期存款 (最低存款額為美元$10,000/英鎊£5,000)，可享以下優惠年利率：
| 貨幣 | 1個月 | 3個月 | 6個月 | 12個月 |
| 美元 | 0.15% | 0.40% | 0.45% | 0.45% |
| 英鎊 | 0.20% | 0.30% | 0.40% | 0.50% |
恒生銀行
於推廣期內，只需以「合資格新資金結餘」設立指定貨幣$10,000或以上之定期存款，可享以下特優年利率:
| 貨幣 | 3個月 | 6個月 | 12個月 |
| 美元 | 0.10% | 0.10% | 0.10% |
| 加元 | 0.40% | 0.40% | 0.30% |
眾安銀行 ZA Bank
眾安銀行提供美元定期存款，只需$1，即可開立定期存款賬戶，美元定存利率如下﹕
- 1個月﹕0.15%
- 3個月﹕0.25%
- 6個月﹕0.20%
- 12個月﹕0.20%
天星銀行 Airstar
天星銀行提供美元定期存款，只需HK$1000，即可開立美元定期存款賬戶，美元定存利率如下﹕
- 1個月﹕0.20%
- 3個月﹕0.60%
- 6個月﹕0.70%
- 12個月﹕0.70%
立即比較更多外幣定期存款計劃﹗
伸延閱讀
function sendGTMButtonHS1() { var transactionId = formatTID('55a57742-b456-4dde-a435-fefc95747c3e') var purchaseObj = { campaignPageTitle: 'hk-cc-blog', // campaign page title cardName: '恒生銀行 MPOWER 白金卡', // plan name currencyCode: 'HKD', // depends on the country transactionId: transactionId, revenue: '', // Will be input be CMS Manager, or empty product: { name: '恒生銀行 MPOWER 白金卡', // Will be input be CMS Manager id: '55a57742-b456-4dde-a435-fefc95747c3e', // Will be input be CMS Manager price: '', // brand: '恒生銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 恒生銀行 MPOWER 白金卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '55a57742-b456-4dde-a435-fefc95747c3e' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: transactionId, prdc: 'credit-card', // Will be one of below types(car, travel, health, personal-loan, credit card, home-loan) prdbrnd: '恒生銀行', // Insurer name or bank name prdbrnd_en: '恒生銀行', // Will be Insurer english name or bank english name prdid: '55a57742-b456-4dde-a435-fefc95747c3e', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: 'MPOWER 白金卡', // Will be plan or card name prdn_en: 'MPOWER 白金卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 恒生銀行 MPOWER 白金卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N8383.2522905GOBEARHK/B22403078.241757060;dc_trk_aid=438641544;dc_trk_cid=113180122;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; window.postGoBearClickout(gobearDataLayer, intervals); dataLayer.push({ 'event': '›', 'vpv': 'hk/blogCheckout/campaign/credit-card/55a57742-b456-4dde-a435-fefc95747c3e' ///iWantThisPolicy/'> }, { 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '恒生銀行 MPOWER 白金卡', // 'id': '55a57742-b456-4dde-a435-fefc95747c3e', // Product ID 'price': '', // 'brand': '恒生銀行', // Bank name 'variant': 'Direct - 恒生銀行 MPOWER 白金卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }, { 'event': 'trackEvent', 'eventDetails.category': 'Click out', 'eventDetails.action': 'Direct-credit card', //(Insurer-travel, Insurer-car, Broker-car, Broker-Health, Insurer-Health, Direct-Personal Loan, Broker-Home Loan, Credit card, Fixed Deposit) 'eventDetails.label': '恒生銀行 - MPOWER 白金卡' // - }, { 'event': 'popUpClickout', 'vpv': 'hk/blogCheckout/campaign/credit-card/55a57742-b456-4dde-a435-fefc95747c3e' ///iWantThisPolicy/'> }); window.open("https://ad.doubleclick.net/ddm/trackclk/N8383.2522905GOBEARHK/B22403078.241757060;dc_trk_aid=438641544;dc_trk_cid=113180122;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; }; function sendGTMButtonDH1() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '大新銀行 ONE+信用卡', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '大新銀行 ONE+信用卡', // Will be input be CMS Manager id: '1263fc75-0872-4028-aaf5-408da6fb19b8', // Will be input be CMS Manager price: '', // brand: '大新銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 大新銀行 ONE+信用卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '1263fc75-0872-4028-aaf5-408da6fb19b8' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '大新銀行', // Insurer name or bank name prdbrnd_en: '大新銀行', // Will be Insurer english name or bank english name prdid: '1263fc75-0872-4028-aaf5-408da6fb19b8', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '大新銀行 ONE+信用卡', // Will be plan or card name prdn_en: '大新銀行 ONE+信用卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '大新銀行 ONE+信用卡', // 'id': '1263fc75-0872-4028-aaf5-408da6fb19b8', // Product ID 'price': '', // 'brand': '大新銀行', // Bank name 'variant': 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };
function sendGTMButtonD2() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '星展銀行 DBS Compass Visa Card', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('57426987-ad16-4724-8304-921c23a21e35'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '星展銀行 DBS Compass Visa Card', // Will be input be CMS Manager id: '57426987-ad16-4724-8304-921c23a21e35', // Will be input be CMS Manager price: '', // brand: '星展銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 星展銀行 DBS Compass Visa Card', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '57426987-ad16-4724-8304-921c23a21e35' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('57426987-ad16-4724-8304-921c23a21e35'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '星展銀行', // Insurer name or bank name prdbrnd_en: '星展銀行', // Will be Insurer english name or bank english name prdid: '57426987-ad16-4724-8304-921c23a21e35', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '星展銀行 DBS Compass Visa Card', // Will be plan or card name prdn_en: '星展銀行 DBS Compass Visa Card', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Cashback', //Product Variant (Direct - or Broker - ) dl: 'https://www.gobear.com/hk/campaign/credit-card/holiday19-dbs-card-giveaway', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '星展銀行 DBS Compass Visa Card', // 'id': '57426987-ad16-4724-8304-921c23a21e35', // Product ID 'price': '', // 'brand': '星展銀行', // Bank name 'variant': 'Cashback', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://www.gobear.com/hk/campaign/credit-card/holiday19-dbs-card-giveaway"); // the link where we will redirect user to return false; };function sendGTMButtonS1() { var transactionId = formatTID('896fe529-e7e7-467e-98d5-04a63a206d6c') var purchaseObj = { campaignPageTitle: 'hk-cc-blog', // campaign page title cardName: '渣打銀行 Simply Cash Visa卡', // plan name currencyCode: 'HKD', // depends on the country transactionId: transactionId, revenue: '', // Will be input be CMS Manager, or empty product: { name: '渣打銀行 Simply Cash Visa卡', // Will be input be CMS Manager id: '896fe529-e7e7-467e-98d5-04a63a206d6c', // Will be input be CMS Manager price: '', // brand: '渣打銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 渣打銀行 Simply Cash Visa卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '896fe529-e7e7-467e-98d5-04a63a206d6c' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: transactionId, prdc: 'credit-card', // Will be one of below types(car, travel, health, personal-loan, credit card, home-loan) prdbrnd: '渣打銀行', // Insurer name or bank name prdbrnd_en: '渣打銀行', // Will be Insurer english name or bank english name prdid: '896fe529-e7e7-467e-98d5-04a63a206d6c', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: 'Simply Cash Visa卡', // Will be plan or card name prdn_en: 'Simply Cash Visa卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 渣打銀行 Simply Cash Visa卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N200801.2278306GOBEAR/B20804340.215534592;dc_trk_aid=414499862;dc_trk_cid=98554361;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; window.postGoBearClickout(gobearDataLayer, intervals); dataLayer.push({ 'event': '›', 'vpv': 'hk/blogCheckout/campaign/credit-card/896fe529-e7e7-467e-98d5-04a63a206d6c' ///iWantThisPolicy/'> }, { 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '渣打銀行 Simply Cash Visa卡', // 'id': '896fe529-e7e7-467e-98d5-04a63a206d6c', // Product ID 'price': '', // 'brand': '渣打銀行', // Bank name 'variant': 'Direct - 渣打銀行 Simply Cash Visa卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }, { 'event': 'trackEvent', 'eventDetails.category': 'Click out', 'eventDetails.action': 'Direct-credit card', //(Insurer-travel, Insurer-car, Broker-car, Broker-Health, Insurer-Health, Direct-Personal Loan, Broker-Home Loan, Credit card, Fixed Deposit) 'eventDetails.label': '渣打銀行 - Simply Cash Visa卡' // - }, { 'event': 'popUpClickout', 'vpv': 'hk/blogCheckout/campaign/credit-card/896fe529-e7e7-467e-98d5-04a63a206d6c' ///iWantThisPolicy/'> }); window.open("https://ad.doubleclick.net/ddm/trackclk/N200801.2278306GOBEAR/B20804340.215534592;dc_trk_aid=414499862;dc_trk_cid=98554361;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };
