The Profitable Wealth 2.0 feature is integrated directly into the LPBank digital banking application, allowing the balance in the customer's payment account to automatically generate interest every day. This is a solution combining investment and payment products designed to meet the need for smart accumulation while still ensuring maximum flexibility in payment spending.
Instead of having to make savings deposits or divide the amount into many different financial products, just maintain the balance in the payment account when activating the Loc Phat Profit feature, customers will immediately enjoy a rate of up to 4.5%/year.
Automatic profit - no need to switch accounts.
Breakthrough experience - automatic optimization, smart, transparent
Not only possessing an attractive profit rate, Sinh Loi Loc Phat 2.0 is also comprehensively upgraded with many smart and optimized features superior to the previous version.
Accordingly, the system will automatically transfer the amount exceeding the maintenance threshold to the interest-bearing account to calculate interest on a daily basis, and at the same time support automatic transfer of money from the interest-bearing balance to the payment account when the account balance is not enough to pay the loan or make transactions exceeding the available limit, ensuring that all transactions are always smooth and convenient according to the availability of funds and payment needs.
The new feature also adds a profit calculator tool to help customers easily estimate profits based on the amount and time of participation, along with the ability to print a Certificate of Deposit Ownership from the LPBank App, helping to increase transparency and peace of mind for customers.
In addition, LPBank applies flexible policies for each customer segment: Priority customers can participate with a maximum profit value of up to 8 billion VND, mass customers up to 2 billion VND... suitable for the daily payment needs and financial capacity of each customer group.
Sharing about the upgrade of LPBank Sinh Loi Loc Phat 2.0 product, Mr. Vu Quoc Khanh - General Director of LPBank - affirmed: “At LPBank, we are determined to pursue the goal of becoming a pioneer bank in creating smart financial solutions, optimizing the experience and benefits for customers. Sinh Loi Loc Phat 2.0 is not simply a new feature, but an important step in the bank's digital transformation strategy, helping customers make the most of idle cash flow, increase passive income flexibly and effectively. With an attractive profit rate and outstanding user experience, this is one of the leading solutions on the market today".
Easy profit, activated in few steps
Customers can experience the Sinh Loi Loc Phat 2.0 feature right on the LPBank app from July 9, 2025, with simple steps.
Profit Loc Phat 2.0: Payment account with yield up to 4.5%/year.
Download and update LPBank App (App Store/CH Play) here.
In recent times, LPBank has been continuously honored with many domestic and international awards, affirming its capacity for innovation, operational efficiency and sustainable development. LPBank has just received the Asia Responsible Enterprise Award in the Green Leadership category, and is also in the Top 10 banks - ESG Green Vietnam 2025 by Viet Research (group of banks with charter capital under 30,000 billion VND).
Previously, the bank received the "Leading Bank for Accumulated Cards 2024" award and the "Inspiring Products and Solutions 2024" award at the Annual Conference organized by JCB International Card Organization; was in the Top 50 most effective businesses in Vietnam in 2024 voted by Nhip Cau Dau Tu Magazine...
According to LPBank representative, these awards are the sweet fruit of LPBank's strategic vision and continuous efforts on the journey to become a leading retail bank, "Loc Phat Bank for everyone".
Source: https://dantri.com.vn/kinh-doanh/sinh-loi-loc-phat-20-tai-khoan-thanh-toan-co-loi-suat-toi-45nam-20250715081926457.htm
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