Smart financial management, pioneering in opening a new era
As the name suggests, customers' money in Techcombank's account Automatic profits will automatically make daily profits, with an interest rate of up to 4.4%/year, up to 90 times higher than the interest rate of a regular payment account.
Customers can still use the money at any time without affecting the yield and without having to operate further. The profit will be calculated based on the actual balance at the end of the day, accumulated and paid monthly. The amount of profit that customers receive will be fully reported and displayed in the "Automated Profit Management" section on the Techcombank application.
Strongly supported by customers, Techcombank Automatic Profit is designed to optimize profits without sacrificing flexibility and simplifying financial management while still ensuring the best safety for customers.
The important difference is that the latest version is currently only available at Techcombank Automatic profits is the optimization of the entire amount of money for customers without stopping it. Operating as a smart "financial assistant", applying AI technology, this product automatically optimizes unused cash flow of customers without dividing profits, without limiting the threshold to 50 billion VND, helping the entire amount of customers in the account to be optimized and used easily.
Unlike term deposits that require a commitment to time and money in the Automatic Profit account that can still be transferred, paid, and withdrawn at any time, without losing interest early withdrawal, customers are still entitled to interest for the period of maintaining the balance, even if it is only one day.
With just one activation, the smart, reliable assistant Techcombank Automatic profits will immediately start working, optimizing and suitable for all subjects, from busy people, investment experts to those who are not familiar with technology.
Leading the new trend, with Techcombank Automated profits all information about operations, yields, and terms are provided to customers in a complete and transparent manner before deciding to activate. The balance and assets of customers are fully protected according to the regulations of the State Bank of Vietnam and current Laws.
Techcombank Automatic profits have become an effective financial solution for many customers. With the monthly salary needed to cover family expenses, Ms. Khanh Van has found the real usefulness: Just open the Techcombank digital banking application, I can see how my idle money brings in more money every day, so I dont have to regret that unused cash flow is still optimized every day.
That is also the assessment of millions of customers when using Techcombank Automated Profit. Mr. Tan Hoang (42 years old), the owner of a trader in Tan Phu District, Ho Chi Minh City, activated Automatic Profit and was surprised when the balance of 50 million VND in his account helped him earn more than 2 million VND/year, which he could still spend at any time if his business needed him. He shared: "This is truly a very smart solution!"
Optimizing to every penny and constantly expanding the benefits of the financial ecosystem
After more than a year and a half of being put into life, Techcombank Automatic profits have proven the outstanding beauty of this product. Thanks to meeting the right needs, ease, transparency and flexibility with outstanding value, this product of Techcombank has received enthusiastic support from customers and quickly reached 1 million users after only 6 months, surpassing 3 million customers after only 1 year, proving the practicality and safety of the product.
By the end of the second quarter of 2025, nearly 4 million customers had used the product. At the same time, the previous idle cash flow has turned into automatic profit balance, a figure that had always been "standing still" waiting for transactions.
In particular, recently, the bank has applied an additional promotion of doubling Upoint points on Techcombank Automatic Profit products. Accordingly, the profit value of customers is doubled, plus many privileges of the ecosystem and major partners of Techcombank for using this accumulation point.
The number of users attracted to this feature is increasing, Techcombank has created a new wave when other banks have to join the payroll to pay interest for money in customers' deposit accounts.
However, with investment and customer awareness, Techcombank is still holding the pioneering position, unique in implementing the motto "adding value every day". As the leader of this bank once affirmed about Techcombank Automated profits: "People like us are just names".
From an expert's perspective, Dr. Le Xuan Nghia is also very impressed with the high liquidity - allowing withdrawal at any time without losing interest - and the competitive yield of this breakthrough solution. He believes that this is a bi-in-one solution: both a payment account and a profitable investment tool, especially when The profit gap between traditional savings and Techcombank Automatic profits is no longer big enough to worry about.
Continuously upgrading to new versions, Techcombank Profit automatically to a superior version with more modern technology while eliminating all limitations: all customers' idle money is profitable, one dong is also profitable and one day is also profitable, with higher yields, helping Techcombank continue to lead the trend - a worthy position for a truly pioneer.
With the motto "Customer is the focus", Techcombank also constantly optimizes value for customers with a financial ecosystem led by the bank and prestigious partners to implement the "Winning big" incentive for customers using Techcombank Automatic profits products. The program takes place from April 21 to September 28, 2025 with millions of valuable gifts for lucky customers, from Masterise Homes branded apartments, Vinfast electric cars to iPhone 16, AirPods 4, and shopping vouchers... with a total value of up to 250 billion VND. This is one of the gifts of gratitude and extension of the outstanding values that Techcombank brings to customers along with optimizing idle cash flow and effective financial management.
Completing a set of solutions for customer segments, Techcombank Automatic profits brings customers a completely automatic and flexible, transparent and absolutely safe idle cash flow optimization tool. From salary recognizers to traders, business owners can use Techcombank Automated Profit as an easy financial tool and effective financial management. Along with a strong ecosystem, we constantly innovate and update exclusive incentives so that Techcombank Profit automation continues to lead with a different strategy, "adding value every day" and increasing personalized experience for each customer" - Ms. Nguyen Van Linh, Deputy Director of Techcombank Retail Banking, shared.
