Your account earns daily profit, completely automatically

The entire current balance both earns profit automatically and is always available for spending

Yield on total balance

The more balance, the more profit received

See yield details

Ready to spend 24/7

Use your entire balance anytime, anywhere for all transfers, payments, and withdrawals...

Easy to manage, transparent payout

Track profit progress on Techcombank Mobile, profit is paid monthly

Double the value with U-Points

Benefits up to 5.5%/year when 1 VND profit is converted into 2 U-Points, use points to exchange for money, vouchers or payments.

*From 01/07/2025, Auto-Earning 1.0 will officially close. Customers need to upgrade/activate Auto-Earning 2.0 to enjoy the full profit advantages. Upgrade here

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Average monthly profit simulation

If you have VND 30,000,000* in your account

(*) Profit is generated daily according to balance

(**) Applicable interest rates include preferential interest rates of 0.25% for Members and 1.5% for Business Owners/Investors/Individual Business Households.

Simulation with different balances

Quickly calculate profit when turning on Techcombank Auto-Earning

Your account balance

VND

Select popular milestones

300 (Mil VND)

100 (Mil VND)

50 (Mil VND)

20 (Mil VND)

5 (Mil VND)

You are

Inspire/Priority/Private members

Households/Business Owner/Investor

Auto-Earning helps you accumulate

VND?

Activate now

How is yield calculated?

Detailed yield calculation

5 million satisfied customers

"As a business owner, managing my assets is not only about generating returns but, more importantly, about maintaining safety and control. I need liquidity that is always ready so I can seize every investment opportunity. Techcombank’s Auto-Earning solution meets all those needs, giving me greater peace of mind every day"

Nguyen Minh Quan

42 years old – Chief Executive Officer

“As the owner of a shop, I have to manage cash flow every day. Sometimes I need to restock inventory, other times I have to pay expenses, so the money in my account must always be ready to use. With Techcombank’s Auto-Earning, everything is much more convenient. The funds I don’t need immediately still earn interest daily, and when I do need the money, I can withdraw and spend it just like normal — no delays, no hassles”

Tran Thi Thu Ha

30 years old – Shop Owner

"Working full-time keeps me busy all day, but I still want an investment product that is completely safe. That’s why I choose Techcombank’s Auto-Earning. My money stays flexible for everyday spending while still earning returns on the full balance. And with U-Point, I can even double the benefits which basically gives me a free coffee every day. For someone like me, this is the easiest and most effortless way to grow my savings”

Nguyen Thao Vy

25 years old – Marketing Specialist

Frequently asked questions

How does Techcombank Auto-Earning work?

Techcombank's Auto-Earning is an advanced and smart technology solution that works as follows:

- After activating Auto-Earning, the system will automatically allocate idle money in the customer's account to safe profit-making products such as Non-term deposits, Bao Loc Certificates of Deposit, Other assets... bringing yields up to 5.5%/year instead of only non-term interest rates of 0.05%/year

- Customers use the entire account balance for all transactions anytime, anywhere, flexible payment on channels, including digital banking, cards, ATMs and partner channels; for all transfers, payments, including 24/7 automatic payments with a processing speed of only 1 second for all operations without any restrictions

What is the Techcombank Auto-Earning?

It is a solution that helps customers optimize profits on idle funds in their checking accounts that they register to participate in, while still ensuring seamless 24/7 payment capabilities for personal and business needs. View terms and conditions

Can I use my funds flexibly in the account when Auto-Earning is activated?

When Auto-Earning is activated, the account balance will be converted into Auto-Eaning Balance to receive optimal daily yields through products like the Bao Loc Certificate Deposit... and customers can spend the entire available balance 24/7.

What is the principle for calculating profit on accounts with Auto-Earning enabled?

When customers activate Auto-Earning - Version 2.0:

- The entire payment account balance is allocated among Demand Deposits and interest-bearing products like Bao Loc Certificates of Deposit, and other assets) for profit optimization.

- Profit is calculated based on the account balance at the end of the day; the higher the balance, the higher the yield.

When will I receive profits from the account with Auto-Earning?

Your idle funds are automatically optimized for earnings through placement in non-term deposit (CASA), Bao Loc Certificates of Deposit (CDBL), and other earning assets (TSK) (if applicable), as follows:

Interest earned from Auto-Earning is accrued daily and paid monthly by Techcombank into your account, according to the following crediting schedule:

1. Yield earned on non-term deposit (CASA) is paid on the last Saturday of each month.

2. Yield earned on Bao Loc Certificates of Deposit (CDBL) is paid monthly, no later than the 10th of the following month.

3. Yield earned on other earning assets (TSK) (if applicable) is paid monthly, no later than the 10th of the following month.

Where can I track the profits generated?

- Profits from the Auto-Earning account are updated directly into your account balance, increasing daily.

- You can also easily track monthly profits by accessing:

"Accounts & Cards" > Select the current account activated Auto-Earning > "Manage Account" > "Mode Auto-Earning" > View details

What is the maximum balance I can earn profits on?

With Automatic Profit Generation - Version 2.0, customers can optimize profits on a maximum balance of 50 billion VND. The maximum profit-generating balance may change periodically.

How can I disable the Auto-Earning?

To disable the Automatic Earnings, please follow these two steps:

1. Update Techcombank Mobile to the latest version.

2. Go to the “Accounts & Cards” section > Select the linked current account for Auto-Earning > Choose “Auto-Earning Balance” > Tap on the settings button in the top right corner of the screen > Select “Turn off Auto-Earning mode”.