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

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 deposits. However, BOCOM stated that if a customer's digital RMB wallet is a Category IV personal wallet, the balance in that wallet will not accrue interest. (21st Century Business Herald)