How Techcombank makes a difference with Automatic Profit

The pioneering launch of the Automatic Profit product has helped Techcombank gain the advantage of leading the market early, having time to research, ensuring complete product features, optimal yield without limits, safety and flexibility.

From “add-on” to a new standard for checking accounts

Dr. Le Xuan Nghia - an economic , financial and banking expert - once commented: “The trend of credit in the future is automatic profit generation. In just a few years, people will only need to keep money in their wallets - and that wallet will automatically generate profit. This trend is creating an extremely strong effect, contributing greatly to the economy - bringing the Vietnamese financial market up to speed with global trends.”

The reality is exactly as he predicted. After just over a year, Automatic Profit has gone from a new concept to a familiar feature for bank users in Vietnam, helping customers easily enjoy optimal interest rates on idle balances.

Dr. Le Xuan Nghia believes that Automatic Profit is a trend that brings the Vietnamese financial market up to the global trend, contributing greatly to the economy.

The factors that create the unique appeal of the Automatic Profit product

The attraction of Techcombank Automatic Profitability makes it impossible for banks to stay out of the game. However, the way units deploy the product has significant differences, with diverse operating mechanisms depending on the strengths of each financial institution.

Accordingly, some products require a minimum balance threshold to ensure stable cash flow and optimize profits for customers with large balances, although it is difficult to access for users with small balances. Others require a minimum holding period to ensure capital safety and high yields. Many banks regulate interest rates based on the time the money is kept in the account. There are products with conditions for using additional services such as cards, insurance, investments, etc. to maintain outstanding interest rates.

According to experts, in addition to the interest rate, users need to pay attention to three factors before activating the Automatic Profit feature at any bank: brand reputation and product technology platform, safety, flexibility and transparency in the mechanism and method of managing balance/profit.

In particular, brand reputation and technology platform are the prerequisites, because the entire profit-making mechanism operates on an automatic allocation and digital management system. Dr. Le Xuan Nghia once emphasized: "Automatic Profit-making products have an important support in a technology platform because to develop into a large deposit stream, banks must have a strong database and apply AI technology to analyze and select customers, creating an optimal ecosystem."

Techcombank Automatic Profit is currently one of the products that pays the most optimal profits to customers' payment accounts, with interest rates up to 4.4%/year.

The second is flexibility - the ability to pay 24/7, without compartments or thresholds. Since the product is essentially a product that pays interest on the balance in the payment account, the ideal product does not require a minimum balance, has no threshold or holding period - allowing customers to withdraw or spend at any time without affecting the accumulated interest. If flexibility is lacking, users may prefer traditional savings products with higher yields.

Third, before activation, users must have easy access to information about the operating mechanism, the timing of profit payments, the ability to check balances and actual interest received - ideally through digital banking. Reputable banks often clearly disclose how cash flow is used, investment partners (if any) and strictly comply with State Bank regulations.

For example, right on the website, Techcombank has publicly announced how the product works: “After activating Automatic Profit, the system will automatically allocate idle money in the customer's payment account to safe profit-making products such as Non-term deposits, Bao Loc deposit certificates, other profit-making assets...” and “Profit from Automatic Profit is accumulated every day and paid periodically by Techcombank into the account the following month.”

Challenges and advantages of “Pioneers”

Pioneering the creation of new products brings many benefits but also puts Techcombank in a position of fierce competition from later products. However, Mr. Jens Lottner - General Director of this bank once shared: "It takes a lot of technology, artificial intelligence, and connections between different products for Automatic Profit to really work. This is our irreplaceable difference."

The bank's confidence is well-founded. Techcombank's Auto Profit technology platform has passed the most rigorous international standard test, as evidenced by three prestigious awards at the IBA Stevie Awards 2025, including the Gold Award for Customer-Centric Product Design, two Bronze Awards for Outstanding AI Application and Outstanding Financial Services. The Stevie Awards are considered the "Oscars of the international business world", and are one of the most prestigious awards for global businesses. These awards not only demonstrate the competitiveness of Vietnamese products and affirm that the Vietnamese financial industry has caught up with the world in developing and applying technology - including AI, but also affirm Techcombank's commitment to optimizing the customer experience.

Techcombank Automatic Profit will soon be upgraded with a more superior protection layer.

Thanks to its pioneering role, Techcombank has accumulated feedback from millions of customers, upgraded new versions - making a difference thanks to liquidity with the ability to both spend and earn, optimizing profits for the entire balance without compartments or thresholds, helping customers' money to earn profit even one dong and one day.

Along with benefits 88 times higher than regular accounts, Techcombank Automatic Profit also allows customers to withdraw money at any time without affecting the accumulated interest, profits are easily tracked transparently on the digital banking application. For many Techcombank customers, Automatic Profit is a new generation account, completely replacing the previous form as well as becoming a preferred main transaction bank.

With the advantage of technology and being the "Pioneer" of the Automatic Profit trend, Techcombank is constantly moving towards a more superior version. Ms. Nguyen Van Linh - Deputy Director of Techcombank Retail Banking said that the bank continues to invest and upgrade to increase the values ​​and best experience for customers. In the near future, Techcombank Automatic Profit will be added with additional layers of protection to enhance the safety of the account, helping customers feel more secure when using the product.

Optimizing benefits at the most frequent touchpoint between banks and users, Automatic Profit not only changes the way users manage their personal finances, but also opens an effective capital mobilization channel, helping to activate idle cash flow and reintegrate it into the financial system to support credit, production and consumption. This breakthrough product of Techcombank possesses appeal and spreading ability, contributing to shaping new standards for the modern banking industry.

Bui Huy

Source: https://vietnamnet.vn/cach-techcombank-tao-dau-an-khac-biet-voi-sinh-loi-tu-dong-2450148.html