银行存款新利息，2026年01月16日，各大银行人民币（数字）存款最新利息

Core Viewpoint - The new interest policy for digital RMB accounts, effective from January 1, 2026, marks a significant milestone in the development of digital currency, transitioning from a cash substitute to an interest-bearing asset [1]. Group 1: Digital RMB Interest Policy - From January 1, 2026, digital RMB will no longer be classified as M0 (cash in circulation) and will start to earn interest [1]. - The balance in real-name digital RMB wallets will be insured under a deposit insurance scheme, with a maximum compensation limit of 500,000 RMB, enhancing user confidence in fund security [1]. Group 2: Interest Calculation and Features - Currently, the digital RMB wallet balance earns interest as a demand deposit, with an annualized interest rate of 0.05%, aligning with traditional bank demand deposit rates [3]. - Only real-name verified wallets (types 1, 2, and 3) are eligible for interest, while more anonymous type 4 wallets do not earn interest [3]. - The interest rate for digital RMB will follow the demand deposit rates published by operating banks and comply with national self-regulatory agreements on deposit pricing [3]. - Interest will be calculated quarterly, with the interest credited to users' wallets on the 21st of each quarter's last month [3]. - If applicable, the wallet operating institution will withhold and pay interest tax on behalf of the user, simplifying the tax process [3]. Group 3: Bank Interest Rates Overview - Major banks have set their demand deposit rates, with some confirming that they will apply these rates to digital RMB real-name wallets, including China Construction Bank, Bank of Communications, and Postal Savings Bank, all at 0.05% [5].