Profit Loc Phat 2.0: Payment account 'yields interest' 4.5%/year

LPBank continues to make its mark on the market by launching the LPBank Sinh Loi Loc Phat 2.0 feature.

In the context of consumers increasingly focusing on proactive, flexible and safe personal financial management, LPBank continues to make its mark on the market by launching the LPBank Profit Prosperity 2.0 feature. This is a comprehensive upgraded version that helps customers optimize idle cash flow with a profit rate of up to 4.5%/year.

Automatic profit generation - no account switching required.

The Loc Phat Profit 2.0 feature is integrated directly into the LPBank digital banking application, allowing the balance in the customer's payment account to "automatically" generate profit every day.

This is a combined solution between investment and payment products designed to meet the need for "smart accumulation" while still ensuring maximum flexibility in payment spending - an outstanding advantage that not many current products on the market can meet at the same time.

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 Prosperity Profit feature, customers will immediately enjoy an interest rate of up to 4.5%/year - 45 times higher than the interest rate in a regular payment account.

These outstanding interest rates and features make it easy for customers to choose a plan that suits their personal financial goals.

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 optimal features compared 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 features also include a profit calculator tool to help customers easily estimate returns based on the amount and duration of their participation, along with the ability to print a Certificate of Deposit Ownership from the LPBank App - increasing 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, while regular customers (Mass) can participate with a maximum of 2 billion VND… suitable for the daily payment needs and financial capacity of each customer group.

"Luc Phat Profit 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 in the market today," said Mr. Vu Quoc Khanh - General Director of LPBank.

Easy profit generation – activated in just a few steps.

Customers can experience the Profitability and Prosperity 2.0 feature directly on the LPBank app from July 9, 2025, with these simple steps:

Download/update the LPBank App (App Store/CH Play) right here.

In recent times, LPBank has been continuously honored with many prestigious domestic and international awards, affirming its capacity for innovation, operational efficiency and sustainable development. Notably, LPBank became the first Vietnamese bank to receive the Asia Responsible Enterprise Award in the Green Leadership category, and was also in the Top 10 Banks - ESG Green Vietnam 2025.

Previously, the Bank was honored to receive many prestigious awards such as: "Leading Bank for Accumulated Cards 2024" Award and "Inspiring Products and Solutions 2024" Award at the Annual Conference organized by JCB International Card Organization; in the TOP 50 Most Effective Business Companies in Vietnam in 2024 voted by Nhip Cau Dau Tu Magazine...

Ha An

Source: https://vtcnews.vn/sinh-loi-loc-phat-2-0-tai-khoan-thanh-toan-de-lai-4-5-nam-ar954388.html