CoinVoice has learned that the six major state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank—have successively announced that starting from 2026, the balances of customers' digital RMB real-name wallets at these banks will accrue interest based on the prevailing deposit rate for savings accounts, with interest calculation rules consistent with those for savings deposits. However, Bank of Communications stated that if a customer's digital RMB wallet is a Type 4 personal wallet, then the balance within the wallet will not accrue interest.
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CoinVoice has learned that the six major state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank—have successively announced that starting from 2026, the balances of customers' digital RMB real-name wallets at these banks will accrue interest based on the prevailing deposit rate for savings accounts, with interest calculation rules consistent with those for savings deposits. However, Bank of Communications stated that if a customer's digital RMB wallet is a Type 4 personal wallet, then the balance within the wallet will not accrue interest.