Bank of China Term Deposit Rates
Compare the latest Bank of China term deposit interest rates. Updated daily to help you find the best rates from this provider.
Bank of China Current Rates
| Term ↕ | Interest Rate ↕ | Credit Rating ↕ | Min Deposit ↕ | |
|---|---|---|---|---|
|
ANZ
|
12 mths | 3.80% | AA- | $10,000 |
|
ANZ
|
18 mths | 3.80% | AA- | $10,000 |
|
ANZ
|
2 years | 3.90% | AA- | $10,000 |
|
ANZ
|
3 years | 4.00% | AA- | $10,000 |
|
ANZ
|
4 years | 4.10% | AA- | $10,000 |
|
ANZ
|
5 years | 4.15% | AA- | $10,000 |
|
ASB
|
12 mths | 3.85% | AA- | $5,000 |
|
ASB
|
18 mths | 3.85% | AA- | $5,000 |
|
ASB
|
2 years | 3.90% | AA- | $5,000 |
|
ASB
|
3 years | 4.05% | AA- | $5,000 |
|
ASB
|
4 years | 4.20% | AA- | $5,000 |
|
ASB
|
5 years | 4.25% | AA- | $5,000 |
|
BNZ
|
12 mths | 3.85% | AA- | $2,000 |
|
BNZ
|
18 mths | 3.85% | AA- | $2,000 |
|
BNZ
|
2 years | 3.90% | AA- | $2,000 |
|
BNZ
|
3 years | 4.00% | AA- | $2,000 |
|
BNZ
|
4 years | 4.10% | AA- | $2,000 |
|
BNZ
|
5 years | 4.20% | AA- | $2,000 |
|
Bank of Baroda
|
12 mths | 3.95% | BBB- | $1,000 |
|
Bank of Baroda
|
18 mths | 3.90% | BBB- | $1,000 |
|
Bank of Baroda
|
2 years | 3.90% | BBB- | $1,000 |
|
Bank of Baroda
|
3 years | 3.85% | BBB- | $1,000 |
|
Bank of Baroda
|
4 years | 3.75% | BBB- | $1,000 |
|
Bank of Baroda
|
5 years | 3.75% | BBB- | $1,000 |
|
Bank of China
|
12 mths | 3.95% | A | $100,000 |
|
Bank of China
|
18 mths | 3.95% | A | $100,000 |
|
Bank of China
|
2 years | 4.05% | A | $100,000 |
|
Bank of China
|
3 years | 4.10% | A | $100,000 |
|
Bank of China
|
4 years | 4.20% | A | $100,000 |
|
Bank of China
|
5 years | 4.20% | A | $100,000 |
|
Bank of India
|
12 mths | 3.90% | BB+ | $5,000 |
|
Bank of India
|
18 mths | 3.95% | BB+ | $5,000 |
|
Bank of India
|
2 years | 4.00% | BB+ | $5,000 |
|
Bank of India
|
3 years | 4.05% | BB+ | $5,000 |
|
Bank of India
|
4 years | 4.10% | BB+ | $5,000 |
|
Bank of India
|
5 years | 4.10% | BB+ | $5,000 |
|
China Construction Bank
|
12 mths | 3.70% | A | $100,000 |
|
China Construction Bank
|
18 mths | 3.75% | A | $100,000 |
|
China Construction Bank
|
2 years | 3.85% | A | $100,000 |
|
China Construction Bank
|
3 years | 3.90% | A | $100,000 |
|
China Construction Bank
|
4 years | 4.00% | A | $100,000 |
|
China Construction Bank
|
5 years | 4.10% | A | $100,000 |
|
Co-operative Bank
|
12 mths | 3.75% | BBB+ | $2,000 |
|
Co-operative Bank
|
18 mths | 3.90% | BBB+ | $2,000 |
|
Co-operative Bank
|
2 years | 4.00% | BBB+ | $2,000 |
|
Co-operative Bank
|
3 years | 4.10% | BBB+ | $2,000 |
|
Co-operative Bank
|
4 years | 4.20% | BBB+ | $2,000 |
|
Heartland Bank
|
12 mths | 3.85% | BBB | $1,000 |
|
Heartland Bank
|
18 mths | 3.90% | BBB | $1,000 |
|
Heartland Bank
|
2 years | 4.00% | BBB | $1,000 |
|
Heartland Bank
|
3 years | 4.15% | BBB | $1,000 |
|
Heartland Bank
|
4 years | 4.25% | BBB | $1,000 |
|
Heartland Bank
|
5 years | 4.35% | BBB | $1,000 |
|
ICBC
|
12 mths | 3.85% | A | $5,000 |
|
ICBC
|
18 mths | 3.85% | A | $5,000 |
|
ICBC
|
2 years | 3.95% | A | $5,000 |
|
ICBC
|
3 years | 4.00% | A | $5,000 |
|
ICBC
|
4 years | 4.15% | A | $5,000 |
|
ICBC
|
5 years | 4.15% | A | $5,000 |
|
Kiwibank
|
12 mths | 3.80% | A1 | $1,000 |
|
Kiwibank
|
2 years | 3.90% | A1 | $1,000 |
|
Kiwibank
|
3 years | 4.00% | A1 | $1,000 |
|
Kiwibank
|
4 years | 4.10% | A1 | $1,000 |
|
Kiwibank
|
5 years | 4.20% | A1 | $1,000 |
|
Rabobank
|
12 mths | 3.90% | A | $1,000 |
|
Rabobank
|
18 mths | 3.95% | A | $1,000 |
|
Rabobank
|
2 years | 3.90% | A | $1,000 |
|
Rabobank
|
3 years | 4.00% | A | $1,000 |
|
Rabobank
|
4 years | 4.15% | A | $1,000 |
|
Rabobank
|
5 years | 4.20% | A | $1,000 |
|
SBS Bank.
|
12 mths | 3.85% | BBB | $1,000 |
|
SBS Bank.
|
18 mths | 3.90% | BBB | $1,000 |
|
SBS Bank.
|
2 years | 3.95% | BBB | $1,000 |
|
SBS Bank.
|
3 years | 4.00% | BBB | $1,000 |
|
TSB Bank
|
12 mths | 3.85% | BBB+ | $1,000 |
|
TSB Bank
|
18 mths | 3.90% | BBB+ | $1,000 |
|
TSB Bank
|
2 years | 4.00% | BBB+ | $1,000 |
|
TSB Bank
|
3 years | 4.10% | BBB+ | $1,000 |
|
TSB Bank
|
4 years | 4.20% | BBB+ | $1,000 |
|
TSB Bank
|
5 years | 4.20% | BBB+ | $1,000 |
|
Westpac
|
12 mths | 3.80% | AA- | $5,000 |
|
Westpac
|
18 mths | 3.90% | AA- | $5,000 |
|
Westpac
|
2 years | 4.00% | AA- | $5,000 |
|
Westpac
|
3 years | 4.10% | AA- | $5,000 |
|
Westpac
|
4 years | 4.10% | AA- | $5,000 |
|
Westpac
|
5 years | 4.10% | AA- | $5,000 |
Last updated: August 07, 2025 at 05:40 AM
Bank of China term deposit rates in New Zealand
Bank of China New Zealand provides term deposit rates as part of their comprehensive banking services for New Zealand customers. View Bank of China’s current rates and investment terms, updated regularly to reflect prevailing market conditions.
How to read Bank of China’s rates table
Bank of China displays term deposit information showing annual interest rates, minimum deposit thresholds, and available investment periods. The rates table includes credit rating details and various term lengths, helping you evaluate investment options based on your financial goals.
Interest payment frequency & compounding
Contact Bank of China about NZ’s interest payment schedules and compounding options - most banks offer flexible payment arrangements including monthly, quarterly, half-yearly, annual, or at-maturity options. Payment timing can influence your overall investment returns.
Minimum deposits, fees & early withdrawal
Contact Bank of China for minimum deposit amounts and any associated fees for New Zealand customers. Term deposits typically require minimum investment levels, with early withdrawal usually subject to penalty provisions.
Breaking Bank of China term deposits before maturity may result in reduced interest rates or loss of accrued interest. Contact Bank of China for specific break fees and early termination conditions. Contact Bank of China for detailed penalty information.
How often rates change & what typically drives changes
Bank of China adjusts New Zealand term deposit rates based on:
- RBNZ Official Cash Rate changes and monetary policy
- Competition within the New Zealand banking sector
- International economic conditions and currency factors
- Global funding costs and Bank of China’s strategic positioning
Rate updates may occur regularly in response to changing market conditions.
How Bank of China compares
When comparing Bank of China with other New Zealand banks, consider:
- Competitive rates: How their offerings compare across different investment terms
- International connectivity: Benefits from Bank of China’s global banking network
- Cultural and language services: Potential advantages for customers with China connections
- Digital and branch services: Access to banking facilities and online capabilities
- Regulatory standing: Compliance with New Zealand banking regulations and oversight
Risks & considerations for NZ term deposits
Key considerations for New Zealand term deposit investments:
Interest rate lock-in: Fixed rates provide certainty but may prevent benefiting from rate increases during your investment period.
Inflation effects: If inflation exceeds deposit rates, the purchasing power of your returns may decline.
Access limitations: Funds remain locked for the agreed term, with penalties typically applying for early withdrawal needs.
Institutional factors: Check current New Zealand deposit protection arrangements for Bank of China deposits. understand regulatory safeguards for your investment.
Opportunity considerations: Money in term deposits cannot be invested in potentially higher-returning alternatives during the deposit term.
Frequently asked questions
What happens when my Bank of China term deposit reaches maturity? You typically have options to reinvest, transfer to another account, or withdraw funds. Bank of China should notify you before maturity to discuss your preferences.
Can I increase my existing Bank of China term deposit amount? Term deposits are generally fixed amounts. Additional investments would require opening new, separate deposits.
How is my Bank of China term deposit interest taxed? Interest earnings are subject to New Zealand’s Resident Withholding Tax, deducted based on your prescribed investor rate.
What are the penalties for early withdrawal from Bank of China term deposits? Contact Bank of China for early termination penalty structure - typically involves reduced interest or forfeiture of accrued earnings.
Does Bank of China offer any advantages for customers with China business connections? Contact Bank of China for specific services or benefits related to China business or personal connections. international banks may offer specialised cross-border services.
Can I open Bank of China term deposits in different currencies? Contact Bank of China for multi-currency term deposit options. some international banks provide foreign currency deposit products.
What regulatory protection applies to Bank of China’s New Zealand operations? Bank of China’s NZ operations are regulated by the Reserve Bank of New Zealand under New Zealand banking legislation.