1. Timeline and participants

  • Applicable period: From 27/03/2026 to 15/04/2026
  • Applicable customers:​ Individual customers opening a household payment account for the first time, and/or Customers who link a Techcombank payment account with a sales management software for the first time.

 

2. Terms and Conditions

In addition to the listed interest rate applicable to deposits according to Techcombank’s regulations at each period, customers and the first newly opened deposit after opening a household payment account or successfully linking a payment account, and that meet the program conditions, will receive an additional interest rate of up to 1.2%/year (*).

  • Applicable products include: Phát Lộc Savings, Phát Lộc Online Deposits, Flexible Online Deposits
  • Applicable tenors: From 6 months or longer
  • The deposit must not be withdrawn before maturity
  • (*) See detailed ​​Term & Conditions​​.

 

3. Interest Rate Information

The interest rate applied after adding the program’s bonus rate must not exceed the ceiling interest rate set by the State Bank of Vietnam (SBV) and Techcombank at each specific period: It must not exceed 8.40%/year for tenors 6-11 months; not exceed 8.60%/year for tenor 12 month and not exceed 7.70%/year for tenors 13 months or more.

The additional interest will be automatically applied within 15 working days from the program’s end date.