Multiple state-owned banks have announced that the interest calculation rules for digital renminbi are consistent with those for demand deposits

The six major state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China, have successively announced that starting from 2026, they will pay interest on the balance of digital RMB real-name wallets opened by customers at the aforementioned banks according to the listed interest rate for demand deposits, with the interest calculation rules consistent with those for demand deposits. However, Bank of Communications stated that if the digital RMB wallet opened by the customer is a type four personal wallet, the balance in the wallet will not accrue interest.