Certificate of deposit

The Bao Loc Certificate of Deposit (CD) is a negotiable certificate issued by Techcombank, representing the Bank’s commitment to repay the principal and accrued interest to the holder in accordance with the Terms and Conditions of the Bao Loc Certificate of Deposit. Combining capital security with investment flexibility, the Bao Loc Certificate of Deposit offers convenient transferability and competitive yields across various investment tenors, making it an attractive option for investors seeking stable and reliable returns.

Flexible investment solution

Superior Returns

Competitive market-based returns, subject to mutual agreement between the seller and the purchaser based on the actual holding period.

Safe and flexible liquidity

Bao Loc Certificates of Deposit offer a secure investment option and are insured under the same protection framework as savings deposits in accordance with the Deposit Insurance Law No. 06/2012/QH13.

Designed for flexibility, these certificates can be transferred to another party when required, enabling investors to manage their liquidity needs while maintaining investment value.

Convenient experience

Transacting online actively on the basis of modern technology, friendly interface and fast time

Terms of use

Refer to the Terms and Conditions

Term: 48 months

Small denominations to use

Invest conveniently with denominations in multiples of VND 10 million.

Interest payment period

- Once Every 3 months to the Payment Account opened at Techcombank

- The interest rate is subject to issuance by Techcombank and may change from time to time. (For further information, please contact the Techcombank call center or visit any Techcombank branch)

Transfer

Transfer your Bao Loc Certificate of Deposit easily online to other users. Enjoy greater liquidity with the flexibility to transfer before maturity and the opportunity to earn returns based on your actual holding period. View yield details.

Illustrated example

Van Hai Nguyen

35 years old – Business owner

Situation

Mr. Hai has 2 billion VND in current account
Intends to invest within the next 6 months
Priority & Private banking member

Decision-making

Mr. Hai chooses the Bao Loc Certificate of Deposit
Investment amount: VND 2 billion
Benefits from flexible investment management
Maximizes returns based on the actual holding period

Entitled benefits

Therefore, if Mr. Hai needs liquidity after 6 months, he can transfer the Bao Loc Certificate of Deposit and potentially realize returns based on the market yield at the time of transfer. The example below assumes the following market yield:

Therefore, after a 6-month holding period of VND 2 billion in Certificates of Deposit, the profit Mr. Hai may receive is

Profit

82,772,603 VND

Estimate your Certificate of Deposit returns with Techcombank Mobile

Discover your potential returns from holding a Bao Loc Certificate of Deposit for 6 months

Khám phá ngay

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Reference yield table

Holding period	Others	Inspire	Priority	Private
<15 days	0.5%	0.5%	0.5%	0.5%
15 days -< 1 month	4.8%	4.9%	5.0%	5.0%
1 month -< 2 months	6.7%	7.0%	7.1%	7.2%
2 months -< 3 months	6.9%	7.2%	7.3%	7.4%
3 months -< 6 months	7.2%	7.6%	8.0%	8.3%
6 months	7.6%	7.8%	8.0%	8.3%

Note: (*) The indicative market yield is subject to change and may vary depending on the agreement between the customer and the Certificate of Deposit transferee.

Steps to purchase a Bao Loc Certificate of Deposit

Log in to Techcombank Mobile >> Select “Savings”

Select “Certificate of Deposit”

Select “Get started”

Input the amount you would like to invest

See your projected returns over a 6-month holding period.

Review the information and tap “Facial Verification”

Purchase completed

How to manage your Bao Loc Certificate of Deposit

Log in to Techcombank Mobile >> Select “Accounts & Cards” >>“Savings & Investments” >> “Certificate of Deposit”.

For Bao Loc Certificates of Deposit purchased on or after 17 August 2026, the system provides the projected yield, estimated returns to date, and the applicable yield for the 6-month period following the purchase date.

View each Bao Loc Certificate of Deposit contract purchased on the same date.

Xem chi tiết Lợi suất dự kiến & Lợi nhuận tạm tính theo thời gian thực tế bạn đang nắm giữ.

How to transfer your Bao Loc Certificate of Deposit

Đăng nhập Techcombank Mobile >> Chọn “Tài khoản & thẻ” >> “Tiết kiệm & đầu tư” >> “Chứng chỉ tiền gửi”.

Chọn hợp đồng CCTG Bảo Lộc muốn bán

Kiểm tra thông tin hợp đồng CCTG và lợi nhuận

Kiểm tra lại thông tin và nhấn "Xác nhận khuôn mặt"

Hoàn thành bán CCTG Bảo Lộc

Join online transactions

Don’t miss out on profitable investment opportunities every day even before maturity!

Login to experience Bao Loc Certificate of Deposit with only a few simple, easy and free online steps

Join transaction now

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Frequently Asked Questions

Which organization issues the CD Bao Loc? Is it safe?

CCTG Bao Loc is a valuable paper issued by Techcombank according to the regulations of the SBV. CCTG Bao Loc has value as a savings deposit, is safe and is insured as a savings deposit. CCTG has a term of 48 months; interest is paid periodically (every 3 months) into the current account of the customer opened at Techcombank and allowed to transfer at a price agreed by the customers. CCTG Bao Loc is NOT a Fund Certificate.

Do I get ownership certificate from Techcombank when I buy CCTG Bao Loc on Techcombank Mobile channel?

When you successfully purchase Bao Loc CCTG, you will be notified by Techcombank in the section "Save & Investment" on Techcombank Mobile. In case you want to receive ownership certificate of CCTG Bao Loc, you can go to Techcombank's transaction office to be provided.

Does Techcombank commit to acquire CCTG Bao Loc?

According to the SBV's regulations, Techcombank cannot acquire CCTG issued by Techcombank. However, CCTG Bao Loc has outstanding features in terms of interest rate and transaction platform so there are many customers who need to own CCTG Bao Loc and participate in transactions. In case the customer cannot find an acquisition partner & needs to use the capital, Techcombank will consider the exception to allow customers to pay off before the due date of CCTG & enjoy interest for a continuous period of time from the date the customer owns CCTG to the time of payment. CCTG Bao Loc is valuable as a savings deposit, safe and insured as a savings deposit

What is the average time to complete a transaction to buy/sell Bao Loc CCTG on Techcombank Mobile?

Customers who buy/sell CCTG Bao Loc on Techcombank Mobile will be updated with CCTG Bao Loc assets or receive money from the buyer after completing transaction authentication on Techcombank Mobile and receiving successful transaction confirmation from Techcombank. Average transaction time < 5 minutes.

Who can I trade CCTG Bao Loc with?

You can make a Buy/Sell transaction of Bao Loc CCTG with individual customers or transaction-ready partners at Techcombank. Transaction-ready Partner Of CCTG Bao Loc is a legal entity operating independently of Techcombank, operating lawfully under the provisions of law. And has the right to Buy/Sell CCTG Bao Loc issued by Techcombank with individual customers as agreed between the two parties.

I buy/sell of CCTG Bao Loc on Techcombank Mobile and the system gave me an error, what do i have to do to make the transaction successful?

Please contact Branch or Call Center and provide error code for Techcombank to check the error status. After determining the cause & fixing the problem, Techcombank will immediately notify you to continue performing transactions.

What time can I buy/sell Bao Loc CCTG on Techcombank Mobile?

Customers can make Buy/Sell transactions on Techcombank Mobile during working days from 7h AM -19h PM from Monday to Friday and from 7h AM -12h PM on Saturdays. No transaction public holidays as prescribed by law.

Is there a fee to buy/sell CCTG Bao Loc on Techcombank Mobile?

You will be completely exempted from fees when buy/sell CCTG Bao Loc on Techcombank Mobile.