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aiBank review

Updated October 14, 2026 · SumCue Editorial Team

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

CITIC aiBank offers deposit products including automatic-interest-crediting feature deposits, fixed-term lump-sum deposits and transferable large-denomination certificates of deposit.

Key facts

Best for
Mainland China customers comparing deposit product types.
Headline rate
0.1%↗
Rate type
Variable↗
Monthly fee
CN¥0↗
Account kind
Easy access↗
Legal entity
CITIC aiBank Corporation Limited↗
Headquarters
China↗
Support channels
Phone, Email, Chat↗
Pricing model
No monthly fee
Official website
aibank.com

Loans

Loan amount
up to CN¥300,000↗
Arrangement fee
Personal credit loan installment service fee 0.75%-0.90% per month, charged instead of normal interest on specific products↗
Credit check
Hard↗
Funding time
Fastest 1 minute disbursement↗
Lender type
Direct lender↗
Free early repayment
No↗
Origination fee (%)
0.75% to 0.9%↗
Loan types
Personal, Credit-line↗
Features
Same-day funding, Credit line

Facts checked September 26, 2026, 5 sources

Pros

Pros

  • Feature deposits describe automatic interest crediting from the start date.
  • Fixed-term lump-sum deposits and transferable large-denomination certificates are listed.

Ready to try aiBank?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Mainland China customers comparing deposit product types.

How aiBank compares

Where aiBank is available

Available
China

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does aiBank charge a monthly fee?+

The monthly fee at aiBank is CN¥0. (Source, checked September 26, 2026)

Which company operates aiBank?+

aiBank is operated by CITIC aiBank Corporation Limited. (Source, checked September 26, 2026)

Where is aiBank based?+

aiBank is based in China. (Source, checked September 26, 2026)

How can I contact aiBank support?+

aiBank offers support through Phone, Email, Chat. (Source, checked September 26, 2026)

Sources

  • aibank.com checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Lender type, Loan types

    “HaoHuaHua consumer credit: 额度高 最高可借30万 (up to CNY 300,000 borrowable)”

  • citicaibank.cn/dbwzl/jrsx/bwjmb/index.shtml checked September 26, 2026

    Backs: Free early repayment, Legal entity, Pricing model, Monthly fee, Arrangement fee, Origination fee (%)

    “3. Market-adjusted prices herein are set and interpreted by CITIC aiBank Corporation Limited. / 中信百信银行股份有限公司版权所有”

  • citicaibank.cn/dbwzl/jrsx/ckllb/index.shtml checked September 26, 2026

    Backs: Account kind, Headline rate, Rate type

    “人民币个人存款利率表 一、活期存款 0.10 (RMB personal demand deposit, listed first in the personal rate table)”

  • citicaibank.cn/dbwzl/ljwm/ljwm/index.shtml checked September 26, 2026

    Backs: Headquarters, Support channels

    “公司地址：北京市朝阳区安定路5号院3号楼8层 (Company address: 8/F, Building 3, No. 5 An Ding Road, Chaoyang District, Beijing)”

  • citicaibank.cn/xbzqy/kslc/277432.shtml checked September 26, 2026

    Backs: Credit check

Compiled from 5 source pages, checked October 14, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit, Deposit protection.

aiBank

Mainland China customers comparing deposit product types.

8.9/10See alternatives