Nhu Y Savings

Live with your dreams, step toward your goals



Big dreams from small efforts


Nhu Y Savings is a Techcombank's latest online deposit product with the integration of optimal, smart, automatic solutions and accompanies with customers in every journey to reach the goal so that they can enjoy life with peace of mind.

Why should you choose to save at Techcombank?


Smart saving

Automatically suggest a saving itinerary according to the selected goal


Flexible deposit

Deposit anytime, anywhere with any amount or set a periodic schedule to send automatically


Optimal interest rate

The more and sooner you deposit, the higher the interest rate will be

Who are the customers of Nhu Y Savings?










First deposit: at least 100,000 VND at the time of opening
Next deposits: unlimited





- The interest rate is floating and regulated according to Techcombank's interest rate table periodically
- The interest is calculated based on actual deposit balance at the end of each day
- Applicable interest rates includes: listed interest rate and adjusted interest rate, detailed in the deposit interest rate table.

Refer here


From 3 months to 12 months, 15 months, 18 months, 24 months, 36 months, 48 months and 60 months





Interest is paid once at maturity





Customers can choose 1 or both methods:
- Actively deposit money whenever desired
- Set a schedule for automatic deduction periodically (day/week/month)










Customers are flexible and proactive:
- Change the name of the deposit
- Change target amount
- Change payment method
- Change the amount of periodic deposit
- Skip any payment period (when needed)


Nguyen Thuy Linh

30 years old, single

Office staff


  • Income about 30 million VND/month
  • Planning to buy cars worth about 500 million VND in 2023
  • Need to save at least 30% of the car value (150 million VND). She will borrow the rest amount from the bank.
  • Looking for an smart, convenient savings solution, and easy financial management to achieve the goal

Make decision

  • Use Nhu Y Savings
  • Deposit amount 10 million VND/month

Kick off the plan

  • With the goal of 150 million VND in 15 months, Linh kicked off the plan by depositing 10 million VND
  • In the same time, she set a periodic schedule of 10 million/month for the next payments
  • Moreover, if there is additional money, she will actively deposit more to Nhu Y Savings.

Applicable interest rate:

  • Deposits from the account opening date until the end of the 9th month (installment term from 6 months or above): apply the listed interest rate of 5.2%/year, calculated from the effective date of deposit to the due date.
  • Deposits made after the 9th month (installment term under 6 months): an adjusted interest rate of 3.2%/year will be applied from the effective date of deposit until due date.

Total principal



Total profit




At the end of the deposit term, Linh accumulated

Both principal and interest

206,660,000 VND

Guide for joining Nhu Y Savings

Frequently Asked Questions

Who is eligible for Nhu Y Savings?

Customers that are Vietnamese citizens, residents and non-residents, foreigners are allowed to reside in Vietnam for full 06 months or more.

What are terms of Nhu Y Savings deposit?

Deposit terms of Nhu Y Savings include: 3,4,5,6,7,8,9,10,11,12,15,18,24,36,48,60 months (these selected terms may be changed according to Techcombank's regulations periodically and will be published on Techcombank's Mobile Banking

In addition to automatic deposit schedule, can customers deposit more money to Nhu Y Savings?

In addition to the automatic deposit schedule, customers can actively deposit money into Nhu Y Savings at any time, without limitation on the amount, number of times and time (except for the last 30 days of the deposit term, including holidays, holidays as prescribed by Techcombank)

Is there a limit to the number of Nhu Y Savings accounts that can be opened?

Customers can own multiple Nhu Y Savings accounts

Can customers transfer ownership of Nhu Y Savings or pledge/mortgage Nhu Y Savings account at Techcombank and other credit organizations?

No. Except for the transfer of ownership rights arising from the receipt of inheritance as regulated by law

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Open Nhu Y Savings account with Techcombank today