Maximizing Your Returns with Techcombank’s Auto-Wealth Service: An In-Depth Review

Techcombank Auto-Earning: An “iPhone” Experience for Your Idle Money

As the demand for personal and business financial management continues to rise, smart financial products are becoming a popular choice due to their ability to generate returns from idle balances while maintaining flexibility in transactions. Among these, Techcombank Auto-Earning stands out as a pioneering solution, offering superior advantages over similar products in the market.

As of the end of Q1/2025, 3.3 million customers have signed up for Techcombank Auto-Earning, an increase of 800,000 customers from the 2.3 million at the end of 2024. This significant growth showcases the product’s popularity and appeal to customers seeking efficient money management solutions.

At the Annual General Meeting of Shareholders on April 26, Mr. Jens Lottner, CEO of Techcombank, stated that despite other banks offering similar products, the bank has not observed any loss in market share, as deposit inflows continue to flow into Techcombank.

“We do not see any signs of our Auto-Earning product losing market share,” said Mr. Jens Lottner. “On the contrary, when more competitors launch similar products, it helps the market better understand the true value of the program that Techcombank provides.”

According to Mr. Lottner, some of Techcombank’s competitors promote their products by encouraging customers to manually transfer money to a deposit certificate, and then perform another manual step to withdraw their money. This is not true auto-earning in its true sense.

Techcombank Auto-Earning simplifies this process; customers only need to press a button on the app, and their entire account balance is automatically optimized for yield while still allowing for payments like a regular checking account, with complete flexibility and no additional steps required.

“I can assure you that the only similarity between our Auto-Earning product and theirs is in the name,” said the CEO of Techcombank. “Everything else is very different because it takes a lot of technology, artificial intelligence, and connections between different products to make Auto-Earning truly work,” he frankly shared, likening it to “comparing an iPhone to a regular phone. They are both phones, but the experience is very different.”

Why Customers Love Techcombank Auto-Earning

Techcombank Auto-Earning offers a maximum yield of up to 4%/year, applied to the entire balance in the checking account, with a profit limit of up to VND 50 billion. Profits are calculated daily, allowing customers to quickly realize the added value from their idle balances.

In contrast, other automatic savings products in the market typically offer lower yields, ranging from 2% to 3.8%/year, depending on the balance and specific conditions. Additionally, many products only apply yields to balances above a minimum threshold (usually from VND 10 million) or limit the balance that earns interest to a lower amount, commonly between VND 500 million and VND 1 billion.

Moreover, the profit-making mechanism of these products tends to be inflexible, not applying to the entire balance or requiring a minimum balance to be maintained to enjoy higher yields. Techcombank Auto-Earning, on the other hand, allows customers to use their entire account balance for transactions such as transfers, payments, or withdrawals 24/7 across all channels (digital banking application, cards, ATMs, partners), with fast processing speeds.

In addition to flexibility and high yields, Techcombank provides a modern digital experience through the Techcombank Mobile application, allowing customers to activate and manage the Auto-Earning product in just one simple step. Users can monitor expected daily profits, view monthly profit history, and turn the feature on or off at any time. The user-friendly interface, fast processing speed, and transparency in providing information enhance the overall user experience.

Meanwhile, similarly named products in the market often have more complex registration and management processes, sometimes requiring electronic signature confirmation or in-branch registration. Many digital banking applications do not display expected profits in real-time, forcing customers to contact customer service or visit the website to check. Some products only support the full range of features on the latest application version, causing inconvenience for users with older devices. Additionally, turning the feature on or off may require additional confirmation steps, increasing the number of tasks and reducing convenience.

Ms. Lan Anh, an office worker in Hanoi and a user of Techcombank Auto-Earning 2.0, is impressed by the attractive yield of up to 4%/year applied to the entire account balance, surpassing similar automatic savings products in the market.

“Techcombank Auto-Earning 2.0 allows 24/7 transactions with a processing speed of just ‘1 second’, ensuring maximum liquidity without affecting yields,” shared Ms. Lan Anh. “The digital experience on Techcombank Mobile is also very smooth, making it easy for me to monitor profits and manage my account. For me, Techcombank Auto-Earning 2.0 is the optimal choice for both effective profit-making and maintaining convenience in daily spending.”

In practice, Techcombank Auto-Earning caters to a diverse range of customers, from individuals with small balances to businesses with large cash flows (up to VND 50 billion). It is ideal for those who want to optimize profits from idle balances while maintaining flexibility in daily spending, meeting the needs of both individual and organizational customers.

With Techcombank’s system, the balance in the account is automatically scanned, and the “excess” amount is transferred to a “profit pocket” to generate returns, while still ensuring that customers can spend at any time. This fosters a smart savings habit, where customers do not need to actively deposit money into savings but can still optimize profits from their idle funds.

Mr. Cong Hung, a trader in Ho Chi Minh City, feels that his personal finances are more effectively managed since using the Techcombank Auto-Earning product. Instead of keeping his money idle with low-interest rates, he can now optimize profits without complicated procedures.

“This product encourages me to manage my spending more intelligently,” shared Mr. Hung. “I started paying attention to allocating my finances wisely to optimize the earning potential of my cash flow, while still maintaining liquidity for daily needs. The habit of keeping money idle is gradually being replaced by a savings and short-term investment mindset.”