Several major state-owned banks announced that the rules for calculating and settling interest on digital RMB are consistent with those for demand deposits.

PANews reported on January 1st that, according to 21st Century Business Herald, six major state-owned banks—Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China (ABC), Bank of China (BOC), China Construction Bank (CCB), Bank of Communications (BOCOM), and Postal Savings Bank of China (PSBC)—have successively issued announcements stating that, starting January 1, 2026, the balance in customers' digital RMB wallets opened at these banks will accrue interest at the current deposit rate, with the interest calculation and settlement rules consistent with current deposit rates. Furthermore, BOCOM stated that if a customer's digital RMB wallet is a Type IV personal wallet, the balance within that wallet will not accrue interest.