As a citizen in the digital age, regularly using the Mobile Banking application to save money online, Mr. Lo Minh Hoan, To Hieu ward, shared: This form has a higher interest rate than depositing directly at the counter. When the maturity date comes, the principal and interest are automatically transferred to the account. I can easily track, close, or continue to deposit right on my phone.
Catching up with the trend, small businesses are also actively using online savings services. Ms. Quang Thi Loi, Chieng Coi Ward, said: Before, I was busy selling goods, sometimes I had to keep cash at home because I couldn't get to the bank in time. Now, I save online via phone, simple operations, control interest, even withdraw interest monthly when needed.
The province currently has 22 credit institutions and credit institution branches, with 52 transaction offices and 281 transaction points. Banks are actively developing digital banking, encouraging customers to save online through applications such as: SmartBanking, eMobile Banking, MB App...
Online savings are flexible, proactive and convenient. Customers can open and close accounts online 24/7. In addition to the convenience, online interest rates are also 0.1-0.3% higher per year. In particular, depositors are still insured for their deposits as at the counter, so they can be completely assured of their rights.
Mr. Nguyen The Dung, Director of BIDV Son La Branch, said: At BIDV Son La, the amount of money mobilized online reached 809 billion VND, an increase of 0.7% compared to the end of 2024. The proportion of customers choosing to deposit online accounts for about 35% of the total number of customers with deposits, this trend will continue to increase as people become increasingly familiar with digital transactions.
Banks also promote incentives and design products to suit customer needs. Many options are provided, such as: Monthly, quarterly or end-of-term interest payments; flexible principal withdrawals in parts; preferential online deposit interest rates, and points for gifts. In addition, online savings help credit institutions reduce operating costs, printing books and documents, so interest rates are higher than traditional deposits; this is also the basis for banks to reduce lending costs, support customers, and promote production and consumption.
One of the highlights of online savings is the flexibility in the number of deposits, customers can divide the amount and add to the savings book at any time; each time they deposit more, the interest will automatically accumulate. Online savings also has high security, all transactions are performed by the account owner, authenticated through many steps, such as: OTP, biometrics; personal data is encrypted and securely stored according to international standards. Customers can fully control account information, term and deposit amount only through the phone application.
Online savings are contributing to promoting comprehensive finance, changing people's saving and consumption habits in a modern, civilized and effective direction and are becoming a new standard in personal financial management; at the same time, supporting banks to expand sustainable capital mobilization channels.
Source: https://baosonla.vn/kinh-te/gui-tien-tiet-kiem-online-linh-hoat-tien-loi-va-an-toan-nU6nLtUNG.html
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