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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.

外幣定活兩便存款是一種不確定存期，利率隨存期長短而變動的記名式不定額存款。起存金額不低于人民幣50元的等值外幣。存期最長為1年，按實存天數，符合整存整取定期存款哪個檔次就按該檔次利率打折計息。計息參照“人民幣定活兩便儲蓄存款”。