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港元存款|星展銀行「跨年活期存款」優惠!存款年利率高達5.5厘 @ 2022-12-29T20: Back Hot News
Keyword:定存 個月 銀行 香港經濟日報 港元定期
Concept:個月港元定存 , 高息港元定期存款優惠
食息族注意,港元定期存款的減息浪潮蔓延至美元定存,即使臨近年尾,長假後復市短短兩個工作天,仍有5間港銀調整美元定存息,當中3減1加,另有1間則減完又加。先說減息的銀行,富邦今天(12月29日)狠削1個月年息,由原本的4.88厘劈0.58厘,新息率至4.3厘,且大幅提高門檻,但該行新增兩個月年息享4.5厘。
她做了不少資料搜集,首先知道銀行有存款保障計劃,在每間銀行可以有50萬元存款得到保障;她又知道有些銀行的高息定存只是提供3個月或6個月存款期,並沒有1年存款期,變相利息收益會打折。她說有一間銀行要求她存入100萬資金,80萬元做定存,可以獲取高息,余下20萬元需要購買儲蓄人壽保單。她亦知道不少銀行是新客戶才能享有高息優惠。

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