The distinct values of Automatic Profit 2.0 have removed many limitations, bringing "new vitality to idle cash flow", so that participants can optimize financial management in a completely automatic way.
Top position from a chain of superior financial products
Focusing on the three pillars of "data, digitalization, talent" to optimize customer experience, Techcombank is not only mentioned as a leading bank until Sinh Loi Tu Dong. Many years ago, Techcombank made an impression with its "project housing loan" product, which now accounts for 80-90% of the market share, and is considered to play a role in changing the mindset of Vietnamese people in accessing banking services, especially loans. This bank's Bond or Fund products have also become the choice of many customers thanks to their diverse structure and flexible experience throughout both online and offline.
After the turning point of Zero Fee - completely free on digital banking in 2016, Techcombank is also the pioneer bank in transforming applications with Techcombank Mobile App, opening a new era of digital banking in 2021. Since January 2024, Techcombank has created a buzz when becoming the first bank to launch the Automatic Profit product, opening a new era for the banking and finance industry and helping more than 15 million customers access "automatic money generating profit every day"!
Techcombank Automatic Profit - affirming the leading role in banking products in the era of "national growth"
The motivation of the "pioneer" probably comes from the fact that Techcombank always considers "customers as the center" with a different strategy, constantly innovating products to meet the constantly changing experience needs of customers.
Since the launch of the first version in January 2024, Techcombank Automatic Profit has opened a revolution in optimizing cash flow for short-term spending for customers, exploring a "new land" when customers can enjoy the benefits of safety - flexible spending 24/7 - optimal profit every day at the same time. In this version, the total account balance is divided into 2 compartments: non-term deposit compartment (minimum standard threshold of 10 million VND) and profit compartment. Profit yield is only calculated on the balance exceeding the standard threshold (profit compartment balance), up to 1 billion VND. This is the model that other banks are starting to apply. In fact, when calculating on the total account balance, customers only have an average profit yield of 1.5% - 2.5% / year.
Different from competitors, Techcombank Automatic Profit applies the latest technology based on data, customer understanding and continuous improvement according to user needs. Therefore, at present, Techcombank has helped customers remove all limits to be able to make profits on all idle money (total account balance) with interest rates up to 4% and can optimize up to 50 billion VND in the profit account instead of the previous limit of 1 billion.
Techcombank's Automatic Profit 2.0 has brought about convenient and absolutely seamless experiences with a processing speed of only 1 second for all operations, payments on all channels without any restrictions. This difference comes from the technology platform and comprehensive financial ecosystem that Techcombank has built over many years, so it is difficult for other banks to copy.
" We believe that modern life is constantly evolving with complex needs, it's time to change the way you look at 'Value Optimization' and Techcombank Automatic Profit is not just a financial product - this is a new standard, a revolution in banking. We want to build advanced banking products that can continuously create meaningful values for the lives of customers and Vietnamese people ", Mr. Nguyen Anh Tuan - Director of Techcombank Retail Banking Division shared.
Techcombank Automatic Profit 2.0: New life for idle cash flow
With the advantage of being a pioneer and having the capacity of technology and data, after more than a year of implementation and upgrading many times, Techcombank Automatic Profit - Version 2.0 has made breakthrough changes, helping to optimize cash flow more effectively.
The profit mechanism is superior and much more flexible than the later products on the market. Specifically, whether it is one dong or one day, customers will enjoy attractive profit rates. While many banks' products currently still require customers to keep a minimum of 10 million dong to start making a profit, Techcombank Automatic Profit 2.0 completely removes these limits, allowing profit on any balance in the account; the larger the balance, the higher the yield.
The optimal yield is up to 4%/year, customers can earn up to 80 times more than when Techcombank Automatic Profit is not enabled. The maximum yield is no longer limited to the monthly account balance maintenance time like the previous version or similar products on the market, with Techcombank Automatic Profit 2.0, even 1 day can still generate profit.
Another attraction is that spending (transferring, paying, withdrawing money...) with Techcombank Automatic Profit 2.0 is still absolutely flexible 24/7, anytime, any amount on the entire available balance. Thus, customers can optimize the entire cash flow waiting to spend in the best way, while still being ready to seize investment or shopping opportunities when needed.
Cash flow management with Techcombank Automatic Profit 2.0 also becomes easier. Profit is calculated daily and paid monthly, daily and monthly profit summary is easily tracked via Techcombank Mobile and can be actively turned on or off at any time as desired to compare the yield when using and not using Automatic Profit.
"With Techcombank Automatic Profit, we want to optimize value and elevate customer experience to a new level, together with customers and Vietnamese people, to appreciate and promote what customers and their loved ones have worked hard to create." Techcombank leaders shared more.
Thanks to its outstanding differences, Techcombank Automatic Profit has helped nearly 3 million customers optimize nearly 80,000 billion VND. The success of Techcombank Automatic Profit is a testament to the trust of customers, thereby further affirming the philosophy of "Customer is the center" that Techcombank has been pursuing to bring comprehensive financial products "Adding value every day".
Source: https://thanhnien.vn/tien-phong-tao-xu-the-techcombank-dung-nen-mot-ky-nguyen-sinh-loi-185250311103646338.htm
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