Save and earn More Interest

Timeline: From April 25, 2026

Participants:

• Group (i): New Individual Customers 
  Individual customers who become Techcombank customers in 2026 and have a newly opened deposit, with the first deposit transaction recorded on the system since becoming a Techcombank customer.

• Group (ii): Existing Customers
  Individual customers who are existing Techcombank customers and do not hold any valid Savings Deposits/Term Deposits as of the last day of the previous month, and who open a new deposit that is recorded as becoming effective for the first time on the system in the current month

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 up to 1.3% per annum interest rate (*)

• Applies to the following products:

  • Group (i): Phat Loc Online Savings, Flexible Savings Online

  • Group (ii): Phat Loc Online Savings, Flexible Savings Counter and Online, 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• Deposits must not be withdrawn before maturity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

• 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 4.75%/year for a 3-month tenor, 8.00%/year for a 6-month tenor, and 8.20%/year for a 12-month tenor.

• 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.