To help businesses optimize their experience and transaction efficiency during late 2025 – early 2026, Techcombank is pleased to introduce the "Year-end Surge - Business Emerge" program, featuring a range of attractive offers as follows:

 

1. Bao Loc Certificate of Deposit (CD)

🔸  Promotion period: November 1, 2025 – December 31, 2025

🔸 Eligibility:

  • Your business is eligible if, during July 1 – October 31, 2025, it did not make any Bao Loc CD purchases;
  • And, from November 1 – December 31, 2025, it makes at least one new Bao Loc CD purchase

 

🔸 Offer #1: Receive 01 shopping voucher worth 25,000,000 VND

  • Applicable to the top 3 businesses maintaining the highest average Bao Loc CD balance (*) in each period: November or December
  • Depending on when the first new CD purchase is made during the promotion, the business will be counted in one of the two periods (e.g., if the first eligible purchase occurs in November, only the average Bao Loc CD balance in November will be considered for the reward)

(*) Minimum balance from 20 – 50 billion VND, depending on the business size as regulated by Techcombank

 

🔸 Offer #2: Receive 01 shopping voucher worth up to 3,000,000 VND

  • Voucher value is calculated based on the average Bao Loc CD balance maintained over 30 days from the date of the first new purchase during the promotion
  • Cannot be combined with Offer #1
Voucher value Average Bao Loc CD Balance
3,000,000 VND From 10 billion VND
2,000,000 VND From 5 billion VND
1,000,000 VND Below 5 billion VND

 

- See detailed terms and conditions

- View previous offer (October 1 – October 31, 2025)

- Purchase Bao Loc CD now on Techcombank Business

 

In addition, Bao Loc CD helps businesses maximize the use of idle funds for short-term gains, with market-leading interest rates:

Tenor Yield
05 – under 15 days 4.6% p.a.
15 days – under 01 month 5% p.a.
Full 01 – 03 months 5.5% p.a.
Above 03 months 5.5% p.a. (*)
Full 06 – under 12 months 5.7%++ p.a. (*)

(*) Yields for tenors over 3 months apply when selling the Bao Loc CD directly at our branches, subject to terms and conditions. Please contact your Relationship Manager for the best applicable rates.

 

2. Bill payments

🔸 Promotion period: November 1, 2025 – February 28, 2026

🔸 Offer details: Receive 01 shopping voucher equivalent to 2% of the total value of new bill payments made via Techcombank for three consecutive months (up to 2,000,000 VND)

🔸 Eligibility:

  • Your business is eligible if, during March – August 2025, it did not make payment for at least one of the following bill types via Techcombank: Electricity, Water, Port service fees, Domestic or customs taxes/fees/charges;
  • And, for three consecutive months from October 2025 – February 2026, it starts paying via Techcombank one or more of those bill types that had no payment history during the period mentioned above

 

- See detailed terms and conditions

- View previous offer (October 1 – October 31, 2025)

- Make a new bill payment now on Techcombank Business

 

3. FX and Derivatives transactions

🔸 Promotion period: November 1, 2025 – December 31, 2025

🔸 Offer details: Receive a shopping voucher worth 200,000 VND for every 100,000 USD of additional FX conversion on your total monthly transaction value, compared to the average value from January – August 2025

 

Eligible transactions include:

  • Spot, forward, and swap FX transactions
  • Cross-currency swaps (CCS) with notional exchange at maturity

 

Illustration: Suppose your business reaches USD 2,000,000 in total FX transaction value in October 2025, an increase of USD 1,000,000 compared to the average value from January to August 2025. The voucher reward for October will be: 200,000 × (1,000,000 / 100,000) = VND 2,000,000

 

🔸 Regulations:

  • The maximum monthly voucher value is 20,000,000 VND
  • Not applicable in conjunction with other FX rate promotion programs

- See detailed terms and conditions

- View previous offer (October 1 – October 31, 2025)

- Make FX transactions now on Techcombank Business

 

Reward method and General notes

  • Within 30 days from confirmation of eligibility, voucher rewards from each program will be delivered via notification on the Techcombank Business application, or by email to:
    • One of the user accounts of the business registered on Techcombank Business Digital Banking; or
    • One of the individuals registered with Techcombank on behalf of the business

(*) The user account/individual receiving the reward will be proactively selected and decided by Techcombank.

  • By participating in each program, the business agrees to designate and authorize the above-mentioned user accounts/individuals as the authorized recipients of rewards
  • Businesses without a Techcombank account may open a new one and participate at here

 

For more details and support regarding each program, please contact: