Suning Bank review
Updated October 13, 2026 · SumCue Editorial Team
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Our verdict
In the savings market, the trade off is between locking money away and keeping flexibility for plans ahead. Suning Bank is a savings option with fixed deposits plus personal and business loans for customers who want borrowing and saving in one place.
Key facts
- Best for
- Savers seeking fixed deposits with borrowing options nearby
- Access terms
- Large-value certificate of deposit: interest accrues from the day of purchase, principal and interest guaranteed, transferable with no handling fee, bought through the bank app↗
- Account kind
- Fixed↗
- Legal entity
- Jiangsu Su Merchants Bank Co., Ltd. (江苏苏商银行股份有限公司), formerly Jiangsu Suning Bank Co., Ltd. (江苏苏宁银行股份有限公司)↗
- Headquarters
- China↗
- Founded
- 2017↗
- Support channels
- Chat, Phone↗
- Pricing model
- No monthly fee
- Official website
- smb956101.com
Pros
Pros
- It provides a fixed deposit choice for customers who plan ahead.
- It covers personal loans and business loans beside savings products.
- It includes a large value certificate of deposit within fixed savings.
Ready to try Suning Bank?
Who it suits
- Savers who prefer fixed term structure
- Customers who want personal and business borrowing cover
How Suning Bank compares
Where Suning Bank is available
- Available
- China
- Licence in China
- China Banking Regulatory Commission (CBIRC), now National Financial Regulatory Administration (NFRA) (B1621H232010001), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Suning Bank offer for savers?+
Suning Bank offers fixed deposits, including a large value certificate of deposit. The range is for customers of the bank who want to set money aside. You can consider it if you prefer to keep savings set aside for a set purpose.
Does Suning Bank also offer borrowing?+
Suning Bank covers personal loans and business loans as well as savings products. The borrowing range addresses individual needs and business needs in plain terms. You can review both sides together before you choose where to apply.
Who might consider Suning Bank?+
Suning Bank suits customers who want fixed deposits with loan options in the same place. It helps to compare product types and think about your plans before choosing. You can decide if keeping saving and borrowing together supports your household plans.
Which company operates Suning Bank?+
Suning Bank is operated by Jiangsu Su Merchants Bank Co., Ltd. (江苏苏商银行股份有限公司), formerly Jiangsu Suning Bank Co., Ltd. (江苏苏宁银行股份有限公司). (Source, checked September 26, 2026)
Where is Suning Bank based?+
Suning Bank is based in China. (Source, checked September 26, 2026)
When was Suning Bank founded?+
Suning Bank was founded in 2017. (Source, checked September 26, 2026)
How can I contact Suning Bank support?+
Suning Bank offers support through Chat, Phone. (Source, checked September 26, 2026)
Sources
- web.archive.org/web/20170917082043/http://www.cbrc.gov.cn... checked September 26, 2026
Backs: Licences
- smb956101.com/index.html checked September 26, 2026
Backs: Account kind, Founded, Headquarters, Legal entity, Support channels
- smb956101.com/snb-product/wealth.html checked September 26, 2026
Backs: Access terms, Pricing model
- suningbank.com checked September 26, 2026
Backs: Lender type, Loan types
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit, Deposit protection.
Related by the facts
Suning Bank
Savers seeking fixed deposits with borrowing options nearby