Increasing demand for optimal cash flow in the context of volatile markets
In the context of the financial and monetary market undergoing many changes, the trend of managing personal assets is increasingly shifting towards prudence but still expecting effective profits. Traditional savings deposit interest rates are maintained at a stable level, while investment channels such as securities or real estate still have many short-term potential fluctuations, causing many investors to look for solutions that both ensure capital safety and optimize yields.
Grasping that need, from May 5, 2026, Bac A Commercial Joint Stock Bank (Bac A Bank) officially issued 3,000 billion VND Deposit Certificate Phase 1 of 2026. The product is built with the orientation of bringing a competitive interest rate compared to ordinary deposits, while ensuring stability throughout the holding period.
Specifically, Bac A Bank Deposit Certificates apply higher interest rates than regular 12-month term savings interest rates listed at the highest level with an additional margin of 1.4%/year and 1.6%/year depending on the term of the product. The minimum denomination is from 10 million VND per certificate, creating conditions for many customer groups to easily access. All interest is paid once at the end of the term, the principal is paid when due or according to customer needs, helping to simplify the monitoring and management of cash flow. Thanks to the fixed interest rate policy throughout the term, customers can be more proactive in their personal financial plans without worrying about being affected by market interest rate fluctuations.
Ensuring simultaneous safety and flexibility in capital use
Besides the interest rate factor, the noteworthy point of the Deposit Certificate issued by Bac A Bank lies in the ability to simultaneously meet two important requirements of customers today: Safety and flexibility in the process of using capital.
In terms of mechanism, the product has a level of safety equivalent to bank deposits, suitable for investors prioritizing capital preservation. However, the difference lies in the ability to use it flexibly, allowing customers to mortgage certificates to borrow capital when financial needs arise, or carry out transfers to third parties as prescribed, thereby increasing the liquidity of the product and the proactiveness of customers in asset management without disrupting the initial investment plan.
In addition, the transaction of deposit certificates being implemented at 194 Bac A Bank transaction points nationwide also contributes to improving customer experience, especially for customers who prioritize convenience and direct services.
Sharing about the decision to participate in the product, Mr. Ngoc Thai (30 years old, living in Hanoi) said: "Previously, I mainly deposited savings, but when I learned about Bac A Bank's deposit certificate, I found that the yield was better while still ensuring safety and transparency criteria. At the end of 2025, I participated in Bac A Bank's deposit certificate and had a fairly positive experience - interest rates are in accordance with commitments, clear procedures. This year with an interest rate of up to 8.7%/year, I continue to consider allocating a part of the capital to this channel.
It can be seen that, with competitive interest rates, clear product structure and diverse accompanying utilities, Bac A Bank Deposit Certificates are expected to become a worthwhile choice for investors looking for a balance between safety, stability and profitability. The return of interest in deposit certificate products also reflects the increasingly cautious investment trend, prioritizing sustainable efficiency and customer risk control capabilities today.
To refer to more detailed information about Bac A Bank Deposit Certificate phase 1 of 2026, please visit Bac A Bank Branches/Transaction Offices nationwide or contact Customer Care Hotline 1800 588 828 (free).
