The Art of Smart Cash Flow Management in the 4.0 Era

In the digital age, where technology is increasingly woven into the fabric of financial lives, the need for flexible, efficient, and intelligent cash flow management has become a top priority for modern consumers. They not only seek convenience in transactions but also demand added value from their idle funds, which traditionally earned meager non-term deposit interest rates.

Techcombank is ahead of the curve, continuously innovating to lead the market with breakthrough digital banking solutions. The launch of the “Techcombank Auto Savings” version 2.0, just a year after the initial release, is considered a smart financial solution that helps users establish effective personal financial management standards.

Optimizing Cash Flow, Elevating Digital Experience

Introduced in January 2024, the “Techcombank Auto Savings” quickly gained market attention with its promise to help customers’ account balances grow automatically without complex procedures. After more than a year, over 3 million users have chosen this solution, and notably, more than half of them are digital banking customers. This is a clear testament to the appeal of optimized digital offerings.

Version 2.0, released in 2025, further enhances both technology and user experience. Customers can perform transactions, transfers, or withdrawals at any time on their entire account balance without limitations or the need to split their funds, as is the case with some traditional products. All transactions are processed instantly within one second, providing a seamless and swift digital banking experience.

A distinctive feature of “Techcombank Auto Savings” is the elimination of a minimum threshold for earning interest. Customers can now earn attractive interest rates of up to 4% p.a. on their entire account balance, up to VND 50 billion. Additionally, the interest is automatically accumulated and can be easily tracked on the mobile app, providing customers with transparent visibility into their daily earnings.

Comprehensive Solution for Diverse Customer Segments

“Techcombank Auto Savings” is more than just a savings product or payment tool; it is designed to serve various customer segments with distinct financial needs.

For business owners or investors, it is an ideal tool to optimize idle funds while waiting for investment opportunities or unexpected payments, ensuring efficient returns instead of letting their money lie dormant. Flexible intraday transactions remain unaffected, giving users greater control over their finances.

Office workers who usually maintain a balance in their accounts for monthly expenses can now utilize that money to earn returns without transferring it to a savings account. With just one activation, customers can rest assured that every dong in their account is “hard at work.”

Meanwhile, small and medium-sized enterprises with frequent payment needs will also benefit from the interest-earning mechanism without disrupting their financial operations. Their cash flow is maximized, supporting business activities under all conditions.

Beyond the individual level, “Techcombank Auto Savings” brings positive values to the ecosystem by partnering with many large and reputable companies. As customers develop the habit of keeping their money in their accounts for longer periods, they cultivate a more proactive and intelligent financial mindset. This, in turn, enables the bank to accelerate its digital transformation, reduce operational costs associated with physical branches, and promote the cashless payment trend that Vietnam is actively encouraging.

With this product, Techcombank reinforces its position as a pioneer in innovation, creating a banking solution that not only meets customer experience expectations but also reshapes how Vietnamese manage and operate their personal finances in the new era.

True to its message of “Adding Value Every Day,” Techcombank is transforming idle account balances into a source of proactive and efficient returns, benefiting not just its customers but also contributing to the sustainable development of Vietnam’s banking industry.