The Bank Account Holder’s Secret to Making Money Work for You Daily

No Rest for Your Money: Maximizing Your Finances with Techcombank

For small business owners like Ms. Linh, a 34-year-old fashion boutique owner in Hanoi, managing finances efficiently is crucial. Every morning, she checks her online orders and calculates her daily revenue, which averages 3 to 5 million VND. In the past, she would transfer a portion of this money to a short-term savings account at the end of each week to earn interest. However, this process was time-consuming and inconvenient, requiring her to juggle multiple accounts.

“With Techcombank’s Auto-Savings feature, I only need one account. My revenue automatically earns interest without any extra steps. Every month, I open the app and see the accumulated interest without lifting a finger. Most importantly, when I need to make a purchase, the money is readily available—no need for transfers,” Ms. Linh shared.

This level of automation and flexibility is a significant advantage for small business owners like Ms. Linh, saving them time and optimizing their daily cash flow.

Mr. Thanh, an IT professional in Ho Chi Minh City with a stable monthly income of nearly 30 million VND, faced a similar challenge. His salary is deposited at the beginning of each month, but he often waits a few days before spending or saving it. “Sometimes, I get busy and forget, and the money just sits in my account, neither earning interest nor being used,” he said.

Since using Techcombank’s Auto-Savings feature, Mr. Thanh no longer needs to transfer his money elsewhere. “I just leave it in my account. If I don’t use it, it still earns interest every day,” he explained.

With just a single account, customers can now earn interest without fixed deposits, minimum balance requirements, or manual transfers. Whether money comes in or goes out daily, the remaining balance automatically earns interest and is readily available when needed. These are the standout features of Techcombank’s Auto-Savings 2.0.

Shaping Smart Financial Habits

Whether you have a stable income like Mr. Thanh or run a business with continuous cash flow like Ms. Linh, you can now maximize the earning potential of your Techcombank payment account. Notably, you don’t need in-depth financial knowledge as Auto-Savings 2.0 operates entirely automatically, safely, and transparently on the digital banking platform.

To achieve this, Auto-Savings 2.0 is built on three solid pillars: Safety, Flexibility, and Profitability.

First and foremost is safety. As a feature integrated directly into the payment account, Auto-Savings allows customers to spend and transfer money as usual without any interruptions. All activities are protected by a highly secure operating system, providing absolute peace of mind.

Secondly, flexibility ensures a comfortable experience. There are no fixed terms, minimum balance requirements, or manual activation steps. Customers can use their money whenever they need it, while the remaining balance continues to earn interest automatically.

Lastly, profitability is a key advantage. Even when money is temporarily idle with no immediate plans for use, customers still enjoy competitive interest rates for flexible terms. Interest is credited monthly and displayed transparently on the digital banking app, enabling users to easily track and manage their assets.

Notably, the latest version of Auto-Savings 2.0 offers customers a choice in how they receive their profits. They can opt for a cash payout to their account, earning up to 4% interest per year, or they can convert their earnings into U-Points, Techcombank’s loyalty points, at double the value. This means that for every VND of interest earned, customers receive 2 U-Points, up to a maximum of 2 million points (equivalent to VND 1 million) per month. This feature not only boosts passive income but also provides flexibility in spending and enjoying exclusive privileges, all from a single account.

With its innovative Auto-Savings 2.0 solution, Techcombank is not just enhancing the user experience; it’s fostering smart financial habits, ensuring that every penny counts and is optimally utilized, even during brief periods of inactivity.