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【外幣定期存款優惠及利率比較】邊間做美元、澳元定存最高息?(2021年1月)

(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

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One0.05%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One0.20%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

定期儲錢定期增值-外幣幣定期存款優惠比較(2018年2月)

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

bank of china

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

渣打銀行

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$10,000400里1,000里3,000里
新資金$100,0004,000里10,000里30,000里
現有資金$100,0003,600里9,000里27,000里

星展銀行外幣定期優惠

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

上海商業銀行外幣定期優惠

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

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; };

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