Save money... win money, car
After the Tet holiday, the trading atmosphere at banking systems, branches and transaction offices in the province became bustling. This is a positive sign for economic activities, with expectations for strong development in 2025, completing credit growth targets and plans.
To meet customers' transaction needs in the first days of the new year, banks have increased their transaction staff and carefully prepared with incentive programs and spring lucky money. Not only applicable to customers with savings deposits, some banks also extend incentives to customers who come to make transactions, open cards, transfer money...
According to Agribank Tay Ninh branch, Agribank nationwide is currently implementing the "Spring Accumulation - Full Fund" savings program with more than 3,600 attractive prizes, with a total prize value of up to 14.35 billion VND. Accordingly, from December 10, 2024 to March 31, 2025 (or the program ends earlier in case Agribank runs out of prize codes), individual customers participating in depositing prize savings with terms of 6 months, 9 months, 12 months at Agribank transaction points nationwide will receive prize codes for a chance to win many big prizes.
Welcoming the New Year of the Snake 2025, from December 12, 2024 to February 28, 2025, BIDV is launching a series of incentive programs with the theme "Welcoming Tet in harmony - Family bonding" for customers transacting at the counter and online, with a total prize value of up to nearly 20 billion VND. Customers will have the opportunity to win a Vinfast VF7 car, receive 46,500 gifts, 15,000 20% discount codes and many other attractive incentives.
At Vietnam Prosperity Bank (VPBank), there is a program called "Tet comes - Luck comes" with cash gifts, total value up to 3 billion VND, applied to customers depositing from 100 million VND for a term of 6 months or more, with lucky money ranging from 50,000 VND to 200,000 VND depending on the deposit amount, lasting from February 3 to May 3, 2025.
Customers transacting at Nam A Bank have the opportunity to receive many lucky fortunes, along with countless attractive incentives such as: receiving lucky money, cashback, interest rate incentives... with a total value of more than 4 billion VND. From February 3 to April 30, 2025, customers using Open Banking Digital Bank will immediately receive a lucky money "Loc Hung Thinh" of up to 100,000 VND into their account. In particular, overseas customers will immediately receive a lucky money "Loc sum vay" of 686,868 VND into their account.
Ms. Nguyen Thi Yen Phuong (Ward 2, Tay Ninh City) shared that she saved her year-end bonus and her children's lucky money to deposit at BIDV Bank, Tay Ninh branch. For Ms. Phuong, this is not only for good luck but also a financial goal for her family in the new year.
Mr. Nguyen Thanh Tuan (Chau Thanh district), a customer at Agribank Tay Ninh, said: "Every year I go to the bank to deposit savings right after Tet, with the hope that my account will always have money, be full all year round, and also have the opportunity to receive valuable gifts from the bank."
Many banks increase savings interest rates
In addition to giving lucky money, many banks also increased their deposit interest rates. Deposit interest rates at banks have started to increase slightly since mid-2024. However, the differentiation between banking groups is quite clear. Small banks often apply interest rates 1% to 3% higher than large banks for the same term.
In the group of joint stock commercial banks, deposit interest rates have increased somewhat more. Interest rates for 1-3 month terms at banks can be up to 4.5%/year; 6-month terms up to 5.5%-5.85%/year; 12-month terms at some banks can be up to nearly 6%/year...
According to records, the highest interest rate in the market is 9%/year, listed at PVcomBank. Accordingly, PVcomBank customers will enjoy a special interest rate of 9%/year when having a new deposit balance of 2,000 billion VND or more.
HDBank also listed an interest rate of 8.1%/year for a 13-month term, applied to savings of at least VND500 billion/savings card, not applicable to mobilization in the form of initial interest or periodic interest.
Dong A Bank is listing a special interest rate of 7.5%/year for customers depositing for a term of 13 months or more, with interest at the end of the term for deposits of VND 200 billion or more, for a period of 365 days/year.
MSB currently offers a special interest rate of 7%/year to customers with newly opened savings accounts or savings accounts opened from January 1, 2018, automatically renewed with a term of 12 months, 13 months and a deposit amount of VND500 billion or more. In addition, lower savings rates, from 7%/year, are also listed at many banks.
For terms of over 12 months, many banks apply special interest rate policies, raising interest rates up to 6.6%–9%/year, depending on the customer and the amount of deposit. However, the common interest rate in this group fluctuates between 5.8%–6.2%/year.
As for the group of banks with State capital, interest rates remained unchanged. Specifically, for terms of 1-3 months, interest rates fluctuated around 1.6%-2%/year; terms of 6-9 months around 2.9%-3%/year; terms of 12 months or more fluctuated around 4.6%-4.8%/year... In particular, the group of 4 large banks such as Vietcombank, BIDV, VietinBank, Agribank still maintained interest rates lower than the general level, fluctuating around 4.7%-5%/year for terms of 12 months.
Although savings interest rates are not the most profitable investment channel, they are still a safe and reasonable choice for those with idle money in a volatile economic context. According to forecasts, domestic savings interest rates may increase slightly in the first quarter of 2025 as banks increase capital mobilization for their annual business plans.
Hoang Yen - Nhi Tran
Source: https://baotayninh.vn/ngan-hang-tung-khuyen-mai-hap-han-dau-nam-a185863.html
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