CX DAILY

CX Daily: China’s Deposit Repricing Tests Banks and Savers as Trillions Come Due

Published: Jan. 27, 2026 9:00 a.m. GMT+8

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For many Chinese savers, the era of easy, high-interest deposits is ending.

One social media user recently said a family member had bought a five-year certificate of deposit in 2021 at an interest rate of 5.3% — a level the user said now seems almost unimaginable. Renewing that deposit today, it’s hard to get even 2%.

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