什么是外币储蓄存款

外币储蓄存款是指银行吸收自然人外汇资金的业务。银行可为存款人开立外汇账户和外币现钞账户。接下来小编为大家整理什么是外币储蓄存款，希望对你有帮助哦!

1.Prospective B-type Foreign Currency Depositors

All foreigners, Chinese of foreign nationalities and overseas Chinese living in and outside the Chinese mainland and the regions such as Hong Kong, Macao and Taiwan, and compatriots in Hong Kong, Macao and Taiwan are permitted to open accounts of B-type foreign currency deposit in their own names.

2.Prospective C-type Foreign Currency Depositors

All Chinese residents holding foreign currencies are permitted to open accounts of C-type foreign currency deposit.

The Bank adopts the principle of separate management for accounts of deposit in foreign exchange and foreign banknotes, i.e. accounts of foreign exchange and accounts of foreign banknotes.

1.Accounts of Foreign Exchange (Foreign Exchange Accounts)

All convertible foreign exchange remitted, brought or mailed into the territory from abroad may be deposited in the foreign exchange accounts. For foreign currency bills for which prompt payment may not be made, they are to be collected by the Bank, and, when collected, deposited in the Bank.

2.Accounts of Foreign Banknotes (Foreign Banknotes Accounts)

All convertible foreign banknotes brought in the territory from abroad may be deposited in the foreign banknotes accounts.

In opening an account of B-type foreign currency deposits, the depositor shall present his or her passport, the residence certificate or other valid credentials for all foreigners or Chinese of foreign nationalities.

In opening an account of C-type foreign currency deposits, the depositor shall present his or her ID card or other valid credentials.

The types of currencies that may directly be deposited in foreign bank-notes accounts include: U.S. dollar, Pound sterling, Euro, Japanese yen, and Hong Kong dollar, the types of currencies that may directly be deposited in foreign exchange accounts, aside from the above-mentioned five types, also include: Canadian dollar, Swiss franc, Belgium franc, Netherlands guilder, and Australian dollar. For other convertible foreign currencies, the depositor may choose any of the above-mentioned currencies and deposit after conversion according to the foreign exchange quotations on that day.

Foreign currency savings deposits may be kept in the account of deposit certificate or checking account. They may be deposited and withdrawn at any time. The minimum amount for such deposit is foreign currencies with a value not less than the equivalent of RMB 100 yuan for a B-type account of deposit, or foreign currencies with a value not less than the equivalent of 20 RMB yuan for a C-type account of deposit.

Time deposits of lump-sum deposit and lump-sum withdrawal are fixed deposits that are deposited by lump-sum, and whose principal and interest are paid by lump-sum upon maturity. The terms of deposit are divided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits.

Foreign currencies with a value not less than the equivalent of 500 RMB yuan for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 yuan for a C-type deposit. Such deposit may be withdrawn fully or partially prior to maturity for once, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.

Savings/time optional deposit in foreign currency are registered deposit without fixed amount, without definite maturity, whose interest rate varies in line with the length of maturity. The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan. The longest maturity is 1 year, and the interest is computed at a discount rate relevant to the corresponding grade of interest rate for time deposits of lump-sum depositing and lump-sum withdrawal according to the actual number of days deposited. The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits.

The principal is deposited in a lump-sum for a maturity of not less than seven days. The minimum amount of deposit is the foreign currency with a value not less than the equivalent 5,000 RMB yuan. For the withdrawal of such deposit, the Bank shall be informed in writing seven days ahead of time.

1.乙种外币存款的开户对象

居住在中国境内外、港澳台地区的外国人、外籍华人、华侨、港澳台同胞，均可以本人名义开立本存款账户。

2、丙种外币存款的开户对象

凡持有外币的中国境内居民均可以开立丙种外币存款账户。

银行对外汇或外币现钞存入采取不同账户管理原则，即区分外汇账户和外钞账户。

1、外汇账户(简称外汇户)

凡从境外汇入、携入或寄入的可自由兑换的外汇可存入外汇账户。不能立即付款的外币票据，需经银行办理托收，收托后方可入账。

2、外钞账户(简称外钞户)

凡从境外携入的可自由兑换的外币现钞，存入外钞账户。

开立乙种外币存款账户时，外籍储户可凭其护照，居民证明或其他有效身份证件。

开立丙种外币存款账户时，储户可凭其护照，居民证明或其他有效身份证件。

可直接存入外钞存款账户的货币种类有：美元、英镑、欧元、日元、港币等货币;可直接存入外汇存款账户的货币除上述五种外，还有：加拿大元、瑞士法郎、比利时法郎、荷兰盾、澳大利亚元等货币。其它可自由兑换的外币由存款人自由选择上述之一种，按当日外汇牌价折算存入

外币活期存款为存折户和支票户，可随时存取，开户起存金额：乙种账户存款为不低于人民币100元的等值外币;丙种账户存款为不低于人民币20元的等值外币。

整存整取定期存款为固定存期，一次存入，到期一次支取本息，存期分为1个月、3个月，6个月，1年，2年五个档次。银行出具记名式存单。

乙种存款为不低于人民币500元的等值外币;丙种存款为不低于人民币50元的等值外币。本存款可允许全部或部分提前支取一次，也可预约由银行代办到期转期续存。

外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额不低于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取定期存款哪个档次就按该档次利率打折计息。计息参照“人民币定活两便储蓄存款”

一次性存入本金，存期不少于7天，起存金额不低于5,000元人民币的等值外币。支取存款需在7天前书面通知银行。