Techcombank Automatic Profit: When customer's money is safe, it makes profit every day

(Dan Tri) - Techcombank Automatic Profit is a pioneering product that optimizes payment accounts and also has a multi-layered protection system. The product is also integrated with the Techcombank Rewards program, allowing you to double your profits with U-points.

Developed based on successful product models that have become standards in countries around the world such as Singapore, the US, and China, Techcombank Automated Profit possesses superior features that are more suitable for the Vietnamese market, such as: generating profits every day, 24/7 flexibility, interest rates up to 4.4%, and security guaranteed by rigorous layers of legal, brand reputation, and technology protection.

Currently, over 4.1 million customers have activated Techcombank's Automatic Income feature, optimizing their idle cash flow daily along with many outstanding added values.

Techcombank Automatic Profit is a pioneering product that optimizes payment accounts while also possessing a multi-layered protection system.

Comply with global standards and regulations of the State Bank of Vietnam.

In developed financial markets, people are familiar with the idea of ​​money in checking accounts automatically earning interest through "sweep accounts." These models have become widespread not only because they offer optimal benefits to customers but also because they ensure absolute security thanks to a robust legal framework, such as the deposit insurance regulations of the Federal Deposit Insurance Corporation (FDIC) in the US and national Deposit Guarantee Schemes (DGS) across the EU.

In Vietnam, the Deposit Insurance Law and Decision 32 clearly stipulate that depositors are entitled to insurance benefits of up to VND 125 million per individual at a credit institution, under the management of the Vietnam Deposit Insurance Corporation (VDIC) and the State Bank of Vietnam (SBV). In addition, the SBV requires banks to maintain a minimum capital adequacy ratio (CAR) of 8% and conduct periodic audits to ensure compliance. These regulations not only help protect people's assets but also play a crucial role in ensuring the safety and stability of the national financial system.

Building on that solid legal foundation, Techcombank has pioneered the implementation of a model that pays interest on idle funds in customers' current accounts since 2024, and has continuously upgraded it with superior versions, under the name Techcombank Automatic Interest Rate.

Techcombank has been implementing a model of paying interest on idle funds in customers' checking accounts since 2024, before upgrading to Techcombank Automated Interest.

Affirming the reputation and position of a pioneer.

Throughout its 32 years of operation, Techcombank has earned the trust of its customers and the recognition of regulatory authorities. The awards Techcombank has received, both domestically and internationally, reflect the image of a leading joint-stock commercial bank in Vietnam.

For many years, Techcombank has consistently maintained a strong financial foundation, achieved good profit growth, a high CASA ratio, and an effective digitalization strategy. In Q2 2025, Techcombank reached a total asset value of VND 1 trillion, and quarterly pre-tax profit reached its highest level in history. The current account deposit (CASA) ratio exceeded 41%. The net interest margin (NIM) improved to 3.8%, demonstrating operational efficiency and sustainable profitability. The capital adequacy ratio (CAR) under Basel II was 15%, far exceeding the minimum requirement, confirming the bank's strong risk resilience.

In 2024, the bank was simultaneously honored as “Best Bank in Vietnam” by Euromoney, FinanceAsia, and Global Finance, becoming the first Vietnamese bank to win all three awards in the same year. Additionally, Techcombank received the “Best Transaction Bank in Vietnam” and “Best Cash Management Bank in Vietnam” awards from The Asian Banker in 2024. Forbes also ranked Techcombank as “Number 1 Bank in Vietnam” in its World's Best Banks 2024 ranking based on customer surveys.

Recently, Techcombank's Automated Profit product also won 3 Stevie Awards, including 1 gold and 2 bronze awards. Techcombank was also honored at the 22nd annual International Business Awards organized by Stevie Awards.

Automated returns have been a standout financial product of Techcombank recently, attracting 4.1 million activated customers.

Modern technology-based protective barrier

Pioneering the application of modern technology, Techcombank has integrated artificial intelligence (AI) into its Automated Profit Generation system, creating a transparent, secure, and efficient operating system.

Mr. Jens Lottner, CEO of Techcombank, emphasized: “For Techcombank Automated Profit to truly work, significant investment is needed in technology, artificial intelligence, and the connectivity between different products and features. Techcombank has invested heavily in AI, GenAI, data platforms, and especially a comprehensive financial ecosystem model for a long time. We will also continuously improve Techcombank Automated Profit based on customer feedback to make the product even more outstanding.”

Techcombank has received numerous awards both domestically and internationally.

Accordingly, technology platforms are used to analyze users' financial behavior, automatically allocating balances to safe investment channels and optimizing returns without user intervention. In addition, digital technology and intelligent data also contribute to a seamless user experience, helping TCB achieve a customer satisfaction index (CSAT) of up to 91% in Q1/2025.

Simultaneously, the Techcombank Mobile app acts as a personal financial control center, allowing customers to track daily profits, check balances, and manage their accounts anytime, anywhere. Techcombank is committed to ensuring 24/7 payment availability on earning balances; funds in the Automatic Earning Account can still be transferred, paid, or withdrawn at any time, and customers will still earn interest for the period the balance is maintained, even if it's only for one day.

With its investment in technology and enhanced customer experience, Techcombank has consistently been recognized by The Asset Triple A Digital Awards as the “Best Digital Bank in Vietnam” and “Best Mobile Banking App in Vietnam” for three consecutive years (2023-2025).

In the context of a constantly evolving global financial landscape, following the Zero Fee initiative, Techcombank's Automated Profitability, thanks to its pioneering and superior technology and comprehensive protection layers, has affirmed its distinctiveness, not only optimizing benefits for customers but also shaping a safe and smart financial future.

Source: https://dantri.com.vn/kinh-doanh/techcombank-sinh-loi-tu-dong-khi-tien-khach-hang-an-toan-sinh-loi-moi-ngay-20250912115435904.htm