• You have cash and do not want to deal with complicated investment projects?
• You want monthly interest to support your spending needs?
• Come to any of VietinBank transaction office nationwide and choose the basic saving account.

 

Product information

• Currency: VND, USD.
• Term of saving: 1 week, 2 weeks, 3 weeks, 1 month, 2 months…to 60 months (terms of saving can be changed according to each period of VietinBank capital mobilization policy)
• Interest payment method: Beginning of the term Interest. End of the term Interest.

 

Benefits

• Free of charge for account opening, depositing, and withdrawal
• Variety of options to choose payment methods by cash, direct deposit to current account or demand saving account, with compound interest.
• Free to choose various types of ownership forms (including joint account for Saving Card)
• Attractive interest rate for each type of term deposit.
• Safe, high security level
• Fast and convenient procedure
• Deposit insurance for saving account.
• Principal or interest can be withdrawn anytime at any VietinBank branch or transaction office
• Can be used as collateral against any loan, and transferring ownership.
• Supported by other VietinBank value-added benefits.

 

You have cash in some period of time, but your spending is uncertain. Come to any of VietinBank branch or transaction office to open a Term Saving Account with flexible principal withdrawal.

Product Information

• Currency: VND, USD
• Term of Deposit: 6,9,12,18,24,36 months
• Interest payment method: End of the term.

Benefits

• Flexible usage, enjoy high interest rate by days of actual deposit. The remaining principal enjoy the same interest rate as the original term deposit rate.  
• Flexible terms of deposit to meet up with customer’s need
• Fast and convenient procedure
• Safe, security, deposit insurance
• Principal and interest can be withdrawn anytime at any VietinBank branch or transaction office
• Can be used as collateral for loan, and ownership transferring is allowed
• Supported by other VietinBank value added benefits

You have big amount of idle cash in long period of time, come to any VietinBank branch or transaction office near you to add more interest to your savings.

Product information

• Currency: VND, USD
• Term of Deposit: 3, 6, 7, 9, 12, 13, 18, 24 months.
• Interest payment method: by cash, direct deposit to saving account, money transfer or compound interest, interest is paid at the end of the term.
• Minimum deposit for compound interest benefit: VND 40,000,000 VND or VND 3,000.

Benefits

• Attractive interest rates which increase according to the amount of deposit
• Flexible terms of deposit to meet up with customer’s need
• Fast & Convenient procedure
• Money transfer insurance
• Withdraw original deposit & interest at any VietinBank branch or transaction office
• Allowance for collateral for loan at VietinBank
• Supported by other VietinBank value added benefits

You have idle cash and want to join big lottery draw and still can enjoy high interest and secure your savings, come to any of VietinBank branch or transaction office to deposit and receive lucky draw ticket. The program will be announced by VietinBank from time to time.

Product information

• Currency: VND, USD
• Term of deposit: depending on the time, term deposit will be announced accordingly
• Interest payment method: beginning of the term, end of the term or periodically.
• Customer will receive one lottery ticket for each amount of deposit and term of deposit. Normally, every VND 10,000,000 VND or USD 500 will receive one lottery ticket.
• Be participated in lottery draw and have a chance to win thousands of valued awards.

Benefits 

• Attractive interest rate, valuable awards
• Flexible terms of deposit to meet up with customer’s need
• Fast and convenient procedure
• Deposit insurance
• Principal and interest can be drawn at any Vietinbank branch or transaction office.
• Can be used as collateral for loan at Vietinbank

 

5.1. Notes

Product information

• Currency: VND, USD
• Term of notes: various options and flexible term of notes for customer ranging from 3, 4, 5, 6, 7, 9, 11 months to 364 days.
• Interest payment method: by cash, transfer to Saving Account, transfer to other beneficiary or compound interest to pay at the end of the term period. At the end of the term, if the customer does not withdraw, VietinBank will automatically transfer to  Saving Account of similar or one shorter term which pay interest at the end.

Benefits

• Attractive and higher interest than basic saving interest rate.
• Flexible terms to meet up with customer’s need
• Fast & convenient procedure
• Deposit insured
• Principal and interest can be drawn at any VietinBank branch or transaction office
• Can be used as collateral for loan at VietinBank
• Customer can deposit and withdraw at anytime; VietinBank will calculate interest on a daily basis and accumulate interest to the principal at the end of each month.
• Customer will gain high interest rate on daily balance and enjoy other value add benefits such as: automatic transfer to demand saving account, repaying bank loans, receiving interests from term deposits (if customer choose to transfer interests from term deposit to demand saving accounts.

       

5.2. Certificate of Deposits (CDs)

With prestige and experience, VietinBank provides CDs to domestic and foreign organizations and individuals.

• Currency: VND, USD, EUR
• Target customers:
  • Vietnam organizations and individuals
  • Foreign organizations and individuals who currently live and work legally in Vietnam
• This product will be offered from time to time according to Vietinbank policy.

Benefits

• At maturity, customer can withdraw principal and interests at any VietinBank branch or transaction office. If the customer does not come to collect, VietinBank will keep principal and interest on behalf of the customer. After expiry date, the customer will earn basic saving interest on the principal amount on payment date.
• Attractive and competitive interest rate
• CDs customer’s personal information is kept confidential.
• Deposit insured
• CDs are transferable or can be used as collateral or as the guarantee for loans for third party at VietinBank or any other financial institutions (if accepted by these financial institutions), or discounted by the Bank.
• Principal and interest are paid periodically until expiry date.
• The CD owners can authorize another person to receive interests. CD ownership can be transferred, purchased or sold, used as gift or inheritance in compliance with Vietnam law and regulations.
• Interest payment options:
  • End of the term payment: in bullet at expiry.
  • Periodically: The interest on the CDs is paid annually, interest of the first year is paid after 12 months from the day of issuance, interest of the second year is paid with the principal when the CDs is due.

Certificate of Deposits purchase procedure:

To purchase the CDs at VietinBank, you need:

• For an individual: valid National Identification/Passport or equivalent documentations.
• For an organization: Establishment Certificate or Business Registration License and valid National Identification/Passport or equivalent documentations required for its authorized representative.

To get repayment, you will need:

• CDs
• Valid National Identification/Passport or equivalent documentations.