想做港元定存又糾結7天或1個月短存好，抑或是3個月至半年的存款期適合自己？雖然超短存一般利率較高，不過大多數要達成指定條件，且存款金額有限，換算利息未必賺得多。以下介紹香港中小行的港元定存，3個月利率高達5厘，就無需經常調動資金喇！
新客戶手機銀行「e開戶」定存高達5厘
即日起至2025年6月30日，新客戶透過手機銀行「e開戶」功能開立「綜合賬戶」；或分行開立「理財e時代」賬戶或「綜合賬戶」，成功申請／持有ICBC信用卡，並完成指定獎賞要求，可享高達HK$600信用卡免找數簽賬額。另外，新客戶手機銀行「e開戶」可享5% 3個月定存利率。
手機銀行「e開戶」開戶步驟
全新資金港元定存高達3.38厘
即日起至5月30日，開立／持有綜合／理財e時代／理財金／工銀財富賬戶的用戶，以合資格全新資金到分行開立98天／188天定期存款，港元定存利率高達3.38厘。若以工銀財富／理財金客戶的存款金額門檻$800,000計算，開立98天定期即賺約$7300。
網上定期存款優惠3.15厘
現凡透過網上銀行或手機銀行開立1個月／2個月／3個月／6個月／12個月港幣定期存款，可享最高3.15厘。
來源：新客戶手機銀行「e開戶」
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