How Techcombank generates profits automatically to optimize value for customers

Smart financial management, pioneering the opening of a new era

As the name suggests, customers' money in Techcombank's Automatic Profit account will automatically generate interest every day, 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 do any additional operations. 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 reported and fully displayed in the "Automatic Profit Management" section on the Techcombank application.

Strongly received by customers, Techcombank Automatic Profit is designed to optimize profits without sacrificing flexibility, simplifying financial management while ensuring the best security for customers.

The important difference is that the latest version is currently only available at Techcombank Automatic Profit, which is the optimization of the entire amount of money for customers without dividing or limiting the threshold. Operating as a smart 'financial assistant', applying AI technology, this product automatically optimizes the customer's unused cash flow without dividing the profit, with no threshold limit of up to 50 billion VND, helping to optimize the entire amount of money in the customer's account, making it easy to use.

Unlike term deposits that require a time commitment, money in the Automatic Profit account can still be transferred, paid, and withdrawn at any time, without losing interest on early withdrawal, and customers will still be charged interest for the period of maintaining the balance, even if it is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 Profit will immediately start working, optimized and suitable for everyone, from busy people, investment experts to those who are not familiar with technology.

Leading the new trend, with Techcombank Automatic Profit, all information about how it works, yields, and terms are provided fully and transparently to customers before deciding to activate. Customer balances and assets are completely protected according to the regulations of the State Bank of Vietnam and current laws.

Techcombank Automatic Profit has become an effective financial solution for many customers. With a monthly salary needed for family expenses, Ms. Khanh Van has realized its real usefulness: "Just by opening the Techcombank digital banking application, I can see how my idle money "generates more money" every day, so I don't have to regret when unused cash flow is still optimized every day".

That is also the assessment of millions of customers when using Techcombank Automatic Profit. Mr. Tan Hoang (42 years old), a small business owner 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, and he could still spend it at any time if his business needed it. He shared: "This is really a very smart solution!".

Optimize every penny and continuously expand benefits from the financial ecosystem

After more than a year and a half of being put into use, Techcombank Automatic Profit has proven its own superiority. Thanks to meeting the right needs, being easy, transparent and flexible 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 one 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, previously idle cash flow had been converted into an automatically profitable balance, a number that had previously been "lying idle" waiting for transactions.

In particular, recently, the bank has applied an additional incentive of doubling Upoint points on the Techcombank Automatic Profit product. Accordingly, the profit value of customers is doubled plus many privileges of the ecosystem and major partners of Techcombank for using these accumulated points.

As the number of users attracted by this feature increases, Techcombank has created a new wave when other banks have to join in paying interest on money in customers' deposit accounts.

However, with investment and understanding of customers, Techcombank is still maintaining its pioneering and different position, implementing the motto "adding value every day". As the leader of this bank once affirmed about Techcombank Automatic Profit: "What people like us is just the name".

From an expert perspective, Dr. Le Xuan Nghia was also impressed with the high liquidity - allowing withdrawals at any time without interest - and the competitive yield of this breakthrough solution. He said that this is a "two-in-one" solution: both a payment account and a profitable investment tool, especially when "The profit difference between traditional savings and Techcombank Automatic Profit is no longer big enough to worry about".

Constantly upgrading to new versions, Techcombank Automatic Profit has been upgraded to a superior version with more modern technology while eliminating all limitations: all idle money of customers is profitable, every penny is profitable and every day is profitable, with higher yields, helping Techcombank continue to lead the trend - a worthy position for a true Pioneer.

With the motto "Customer is the center", Techcombank also constantly optimizes value for customers with a financial ecosystem led by the bank and reputable partners to implement the "Big profit" promotion for customers using Techcombank Automatic Profit product.

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 extends the outstanding values that Techcombank brings to customers along with optimizing idle cash flow and effective financial management.

“Completing the solution set for customer segments, Techcombank Automatic Profit provides customers with a tool to optimize idle cash flow in a completely automatic, flexible, transparent and absolutely safe way. From salaried employees to small traders and business owners, everyone can use Techcombank Automatic 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 Automatic Profit continues to lead with a different strategy, “adding value every day” and increasing personalized experiences for each customer”, Ms. Nguyen Van Linh - Deputy Director of Techcombank Retail Banking Division shared.

Source: https://baodautu.vn/cach-techcombank-sinh-loi-tu-dong-toi-uu-hoa-gia-tri-cho-khach-hang-d328441.html