The main contents of personal foreign exchange deposit include deposit object, deposit type, deposit currency, deposit account type, deposit use scope, initial deposit amount and deposit account management. Personal foreign exchange deposits are divided into demand deposits and time deposits according to the types of deposits, and demand deposits are passbook accounts, which can be withdrawn at any time; Time deposit is a registered certificate of deposit, which is lump-sum deposit and withdrawal. The deposit term can be divided into 1 month, 3 months, 6 months, 1 year and 2 years.

Personal foreign exchange deposit is a foreign exchange deposit business run by commercial banks to facilitate foreigners, overseas Chinese, compatriots from Hong Kong, Macao and Taiwan and domestic residents to accumulate idle personal foreign exchange funds.