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Bao Loc certificate of deposit
for Small enterprises

Optimize short-term cash flow
Earn interest even for one day

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Service overview

Bao Loc certificate of deposit (CD) is an optimal financial solution for businesses:

  • Optimize short-term cash flow starting from 1 day with flexible withdrawal options.
  • Ideal for businesses seeking a secure deposit solution with higher interest rates than keeping funds in a payment account.

Outstanding benefits for Small enterprises

Earn interest even for one day

Attractive returns based on the number of days held, up to 4.75% per year (*).

Withdraw funds in one minute

Withdraw funds in just one minute, with returns calculated based on the actual holding period.

One transaction platform

Easily conduct transactions online via Techcombank Business digital banking.

(*) According to Techcombank’s regulations, updated at the time of transaction.

Why is Bao Loc CD the optimal solution for Small enterprises

Imagine this

 

  • Your business just received 5 billion VND from a partner and is planning to use it for a new purchase order. While negotiating prices with the supplier, what can you do with this money to increase its value?

 

  • Bao Loc CD is the perfect solution, allowing your business to: Earn high returns. Easily convert to cash anytime for payments or investments.

 

  • After 16 days of holding the CD and successfully negotiating the contract, your business can sell the CD to pay the partner.

After 16 days holding, the earned interest is equivalent to an annual return of 4.20%/year

Total interest earned:

9,205,479 VND

Automatic Bao Loc CD purchase feature for businesses

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Frequently asked questions

Các câu hỏi thường gặp

What is Bao Loc CD? Is it safe?

  • Bao Loc CD is a negotiable instrument issued by Techcombank, in compliance with the State Bank of Vietnam’s regulations.
  • It is as safe as a savings deposit and fully insured.
  • Flexible terms: 36 or 48 months.
  • Returns are paid periodically (every 3 or 6 months) into the payment account opened at Techcombank.
  • Free transfer when trading.

Note: This is not a mutual fund certificate.

What is the transfer fee for Bao Loc CD?

There is no fee when businesses conduct buying/selling transfers via Techcombank Business.

What is the transfer yield?

- The transfer yield is the profit calculated when a business sells or transfers the CD before maturity.

- Formula:

  • Transfer yield = [(Selling price - Purchase price + Total returns received)] / Purchase price × 365 / Number of holding days.

Where can I check the projected profit from transferring?

Businesses can easily check projected profits from transferring Bao Loc CDs on Techcombank Business digital banking:

A. To purchase a CD:

  • Step 1: From the homepage, select "More" > "Bao Loc Certificate of Deposit" > "Buy."
  • Step 2: Enter the desired denomination and click "Continue." The system will display a purchase proposal.
  • Step 3: Select "Calculate projected profit," enter the expected sale date, and the system will show detailed projected profits for the total denomination.

B. To sell a CD:

  • Step 1: From the homepage, select "More" > "Bao Loc Certificate of Deposit" > "Sell."
  • Step 2: Enter the desired denomination to sell, select the CDs to be sold, and click "Continue."
  • Step 3: The system will display the total amount to be received. Click "View detailed CD list and profit analysis" to review the details.

Does Techcombank guarantee to repurchase Bao Loc CDs?

According to regulations, Techcombank is not allowed to repurchase CDs it issues.

 

However, with attractive returns and a convenient trading platform, Bao Loc CDs are always in high demand.

 

If your business cannot find a buyer and urgently needs funds, Techcombank can assist with early settlement at a non-term interest rate, calculated from the holding date to the settlement date.