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

Earn up to 5.5% p.a. The more balance, the more profit received

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Double your rewards with U-Point

Every 1 VND earned generates 2 U-Points. Ready to unlock exclusive privileges on Techcombank OneU

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Ready to spend 24/7

Use your money anytime for transfers, payments, cash withdrawals, and all your daily transactions

Effortlessly track your earnings

Track your daily returns on Techcombank Mobile, with monthly payouts

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(*) From 18 May 2026, Auto Earning 1.0 will officially close. Customers need to upgrade to Auto Earning 2.0 to enjoy the full eanring benefits. Upgrade here

How Auto-Earning earning rate works

Base yield rate based on account balance

Target customer

(Business owners/ Enterprise owners/ Investors)

Membership

(Priority/Private/Inspire members)

Special offer for maintaining a high balance

Auto-Earning yield

+1.5%

+0.25%

+2.75%

5.5%

Base yield rate based on account balance

Target customer

(Business owners/ Enterprise owners/ Investors)

+1.5%

Membership

(Priority/Private/Inspire members)

+0.25%

Special offer for maintaining a high balance

+2.75%

Auto-Earning yield

5.5%

See how Auto-Earning yield is distributed across membership and target customers.

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

Get an extra 1%/year with Auto Earning 2.0

Applicable from March 12 to May 31, 2026, for customers who increase their eligible profit‑generating balance

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Double your rewards with U-Point

Active now

Every 1 VND earned generates 2 U-Points

add

remove

Earn up to 2,000,000 U-Points per month (*)
(Offers may vary from time to time)

Register to convert interest into U-Points

add

remove

Your monthly interest will be automatically converted into U-Points to use on Techcombank OneU.

How to convert earnings to U-Points

More ways to enjoy with U-Point

add

remove

Redeem dining, shopping, and more vouchers from leading brands
Pay directly for Green SM rides with U-Points
Use U-Points when scanning Techcombank Store QR codes - up to 50,000 VND per transaction
Convert U-Points into Vietnam Airlines miles
Unlock exclusive privileges, concert tickets, limited-edition gifts, etc

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

How to activate Auto-Earning?

Active now

Download Techcombank Mobile in App Store/Google Play

Follow instruction to open new account on Techcombank Mobile

Click “Next” on activating Auto-Earning step

Update to the latest version of Techcombank Mobile

Select Auto-Earning

Activate Auto-Earning

Unlock greater rewards with U-Point

Choose Auto-Earning

Choose U-Point booster offer

Choose Activate

Select Auto-Earning

Select See details

Check profit details

Frequently asked questions

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

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

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.

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.

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.

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.

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”.

What is the Techcombank Auto-Earning?

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

When will Auto Earning 1.0 officially stop being supported?

Auto Earning 1.0 will officially stop being supported from 18 May 2026.

What is the difference between Techcombank Auto Earning 2.0 and 1.0?

Auto Earning has now been upgraded to version 2.0 with many significant improvements compared to version 1.0, aiming to optimize customer experience and enhance customer benefits, including:

- Maximum yield of up to 5.5% per year, with earnings generated on the entire balance throughout the entire period from activation
- Transparent daily profit reporting
- Flexible spending 24/7 without affecting earning capability

In addition, the total yield can reach up to 6.5% per year when customers activate the feature to convert earned profits into U Point.

What will happen after Auto Earning 1.0 is discontinued?

After the support is discontinued, the customer’s current account will return to a regular status and will only earn the non term (CASA) interest rate of 0.05% per year, if the customer has not upgraded to Auto Earning 2.0.

Will my previous earning data be lost when upgrading to Auto Earning 2.0?

No. All profits earned from Auto Earning 1.0 have already been credited to the customer’s current account and will not be lost after upgrading

Will I be charged any fees when upgrading?

Customers will not incur any fees when upgrading to Auto Earning version 2.0.

Techcombank Auto-Earning

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

Yield on total balance

Double your rewards with U-Point

Ready to spend 24/7

Effortlessly track your earnings

How Auto-Earning earning rate works

Quickly calculate profit when turning on Techcombank Auto-Earning

Get an extra 1%/year with Auto Earning 2.0

Double your rewards with U-Point

Every 1 VND earned generates 2 U-Points

Register to convert interest into U-Points

More ways to enjoy with U-Point

5 million satisfied customers

How to activate Auto-Earning?

Unlock greater rewards with U-Point

Frequently asked questions

What is the Techcombank Auto-Earning?

How does Techcombank Auto-Earning work?

Where can I track the profits generated?

What is the maximum balance I can earn profits on?

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

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

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

How can I disable the Auto-Earning?

What is the Techcombank Auto-Earning?

When will Auto Earning 1.0 officially stop being supported?

What is the difference between Techcombank Auto Earning 2.0 and 1.0?

What will happen after Auto Earning 1.0 is discontinued?

Will my previous earning data be lost when upgrading to Auto Earning 2.0?

Will I be charged any fees when upgrading?

Do you have any questions? Let our consultants support you

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Let our consultants support you