Save and earn More Interest | Techcombank

Open first savings deposit and receive interest immediately

Partnering with customers to build a superior financial foundation for a stronger future, Techcombank offers an additional 0.5% per annum interest rate for the first savings deposit.

Program information

Timeline and participants

Timeline: From October 17, 2025

Participants:

Applies to customers who do not hold any Savings Deposits, Term Deposits, or Certificates of Deposit at Techcombank as of January 1, 2025
Customers with new deposits that are recorded as effective for the first time in the system

Interest rate information

The interest rate applied after adding the interest rate of the first deposit is guaranteed not to exceed the interest rate ceiling announced by the State Bank and Techcombank in each specified period: not exceeding 4.60%/year for 3-month terms, 5.60% for 6-month terms and 5.70% for 12-month terms.
The interest rate displayed on Techcombank Mobile includes the additional interest rate for eligible Online deposits and does not include the additional interest rate for counter deposits.

Applicable conditions

In addition to the listed interest rates for deposits as per Techcombank’s regulations for each period, new deposits that are recorded as effective for the first time in the system will receive an additional 0.5% per annum interest rate (*)

Applies to the following products: Phat Loc Online Savings, Flexible Savings, Phat Loc Savings, Ordinary Savings
Applies to an increased deposit balance within the month for 3, 6, or 12-month terms
Deposits must not be withdrawn before maturity

(*) See detailed terms and conditions

Interest rate information

The interest rate applied after adding the interest rate of the first deposit is guaranteed not to exceed the interest rate ceiling announced by the State Bank and Techcombank in each specified period: not exceeding 4.40%/year for 3-month terms, 5.30% for 6-month terms and 5.50% for 12-month terms.
The interest rate displayed on Techcombank Mobile includes the additional interest rate for eligible Online deposits and does not include the additional interest rate for counter deposits.

Save for the future with a range of benefits

Enjoy an attractive bonus interest rate program

100% online, secure transactions and easy management via Techcombank Mobile

Automatic renewal options: choose to reinvest both principal and interest or withdraw interest and reinvest the principal upon opening

Effective accumulation, maximum profit and privileges

Earn an extra 1% p.a for the increased deposit which is complied with Inspire Day terms and conditions

Additional interest of 1%/year for customers who have increased deposit balance in the month, maximum for 200 million VND.
Applicable for terms of 3, 6, 12 months and started date at Inspire Day

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Earn an extra 0.3% p.a for the increased deposit balance in month

Applicable for customers who are Techcombank Private, Priority & Inspire members with increased deposit balance in the month
Applicable to the largest additional deposit recorded in the month with a term of 3, 4, 5 months

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Earn an extra 1% p.a for the increased deposit which is complied with PnP Week terms and conditions

Additional interest of 1%/year for customers with a term deposit balance increase of VND 1 billion, maximum VND 5 billion within the month
Applicable to 3-month deposit terms during PnP week which is complied with Terms & Conditions

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Get an additional 0.5% p.a interest rate for the first savings deposit

Phat Loc Online Savings

Flexible Savings