Multiple State-Owned Major Banks Announce: Digital Yuan Interest Calculation and Settlement Rules Align with Demand Deposits

Odaily News 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, six state-owned major banks, have successively announced that starting from January 1, 2026, they will pay interest on the balance of customers' digital yuan real-name wallets opened at the aforementioned banks according to the listed demand deposit interest rate. The interest calculation and settlement rules are consistent with those for demand deposits. However, Bank of Communications stated that if a customer opens a Class IV personal digital yuan wallet, the balance within the wallet will not accrue interest. (21st Century Business Herald)