Techcombank, or Vietnam Technological and Commercial Joint Stock Bank, has recently announced attractive interest rates for personal customers, effective from August 9, 2025.
The Phat Loc Online Deposit product stands out with competitive interest rates, especially for customers who prefer online transactions. Other products such as Phat Loc Counter Deposit, Tich Luu Nhu Y Deposit, and SuperKid Deposit also offer diverse options, catering to customers’ flexible financial needs.
The Phat Loc Online Deposit product is exclusively designed for individual customers who perform transactions through online channels, offering the highest interest rate of up to 5.00%/year for terms of 12 months or more. Interest rates are categorized based on customer type (Private, Priority, Inspire, and Regular) and deposit balance (below VND 1 billion, VND 1-3 billion, and above VND 3 billion). This allows the bank to offer more flexible support to VIP customers with higher preferential interest rates. Here are the details:
1-2 month term: Interest rates range from 3.45% to 3.60%/year, depending on the deposit balance (below VND 1 billion, VND 1-3 billion, or above VND 3 billion).
3-5 month term: Interest rates range from 3.75% to 3.90%/year, with the highest rate applicable for balances above VND 3 billion.
6-11 month term: Interest rates range from 4.65% to 4.80%/year, providing stable profits for medium-term deposits.
12-36 month term: The highest interest rates, ranging from 4.85% to 5.00%/year, are particularly suitable for customers with long-term savings plans.
In addition to Phat Loc Online, the Phat Loc Counter Deposit product remains a familiar choice for customers who prefer transacting directly at branches. The interest rate for this product is slightly lower than the online channel but still remains attractive.
Techcombank states that the above interest rates are for reference only. Customers are advised to contact the bank’s transaction offices, branches, or Customer Service Center at 1800.588.822 for the latest interest rates. Additionally, special customers who meet specific conditions as per Techcombank’s regulations may be eligible for preferential interest rates, ensuring compliance with the State Bank of Vietnam’s regulations.
By Tin Vu
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