"Smart investment" - Little by little makes a big difference with BIDV SmartBanking

Time is the only asset that cannot be saved. People who know how to take advantage of every minute today are the ones who are sowing financial seeds for tomorrow. If in the past, financial management was simply a story of income and expenditure, of savings books or a few dry calculations, today, it has become a survival skill - where every small decision every day can shape your financial future. In that journey, the philosophy of "Small things make big things" is no longer a far-fetched advice - but a way to let time become an ally, helping you become more prosperous and wealthy every day.

Understanding the value of every moment and every idle coin, Vietnam Joint Stock Commercial Bank for Investment and Development ( BIDV ) has developed the "Smart Investment" feature on the SmartBanking application - a financial solution that helps you turn idle money into a steady source of income. No need for complicated operations or in-depth investment knowledge, "Smart Investment" is a personal financial assistant that helps you start your accumulation journey easily, proactively and safely.

From "keeping money" to "letting money earn interest"

Nowadays, leaving money sitting idle in an account is actually a form of wasted opportunity. That balance, if used properly, can generate regular income while still maintaining flexibility for the user.

That is the philosophy that Smart Investment aims for: helping customers automatically transfer unused balances to automatic savings, so that cash flow continuously operates and generates profits effectively. When you need to spend, you can still spend the money that has been transferred to investment without any interruption. Thus, you can both save and spend flexibly - two seemingly opposite needs are now reconciled in a single solution.

Simple, proactive and flexible

No complicated procedures or trips to the counter, Smart Investing is designed so anyone can get started in minutes .

With just a few steps on the BIDV SmartBanking application, customers can:

Proactively set up a threshold to activate smart investment (minimum 10 million VND);

At 22:00 every day, the system will automatically transfer the remaining balance exceeding this threshold to online savings;

Get interest rates up to 2.6%/year , with monthly payments , helping you see clear and regular accumulation results;

Completely free to activate and stop the service at any time , 100% online.

This is not just a convenient feature - it is a smart financial operating mechanism that makes money work for you, instead of you working for money.

Saving is not just an action – it is a habit

The difference between financially free people and financially stressed people isn't just about income - it's about money management habits.

“Little by little makes a lot” is not a slogan, but a proven financial principle. A small amount today – if maintained regularly – will create big results thanks to the compounding effect . Einstein once called compounding “the eighth wonder of the world ” – because it can turn small efforts into lasting assets with just time and discipline.

One of the biggest barriers when it comes to investing is thinking, "I don't have much money to start." But with "Smart Investing," BIDV proves the opposite: with just discipline and the right tools, you're one step closer to prosperity.

Instead of waiting for “big enough” to invest, users can start today – with a limit of 10 million VND. Gradually, you will find yourself with an additional source of passive income without manual intervention - a form of “effortless investment”, but still completely ensuring the efficiency and safety of cash flow.

3 STEPS TO ACTIVATE SMART INVESTMENT

Step 1: Log in to BIDV SmartBanking, select "Smart Investment"

Step 2: Select a payment account to activate "Smart Investment"

Step 3: Select investment activation threshold, minimum 10 million for regular customers and 50 million for premium customers.

Prosperity begins not with how much money you have – but with what you do with it. Every day you delay is a day your money stays idle, unprofitable, ungrowing. "Smart investment" helps you increase your assets simply, automatically and completely under your control. No complicated operations, no specialized knowledge - just activate once, time and BIDV will take care of the rest.

Source: https://vtv.vn/dau-tu-thong-minh-tich-tieu-thanh-dai-cung-bidv-smartbanking-100251029223520621.htm