Popular searches
- Savings
- Car loan
- Visa platinum
- corporate credit card
- corporate eKYC account
Outstanding features
Utilities
- Automatically earn returns of up to 6%/year on your idle funds - 60 times the rate of current account.
- Keep your current account readily available for your spending and payment needs.
- Activate and manage your account conveniently through SACOMBANK PAY app.
Features
Tai Loc Active Invest provides an optimal solution for managing idle funds:
- Upon activation, you simply set a minimum balance threshold for your current account (from VND 10 million).
- The system automatically transfers the idle funds exceeding the minimum balance threshold to earn returns of up to 6%/year, instead of the regular current account interest rate of 0.1%/year. (The transferred amount must be in multiples of VND 100,000)
- The entire balance, including both the amount within and exceeding the minimum balance threshold, remains available for customers to use for spending transactions at any time.
- Return Rate:
Holding Period | Return Rate |
Less than 7 days | 3,75% |
From 7 days to less than 14 days | 4,00% |
From 14 days to less than 21 days | 4,25% |
From 21 days to less than 30 days | 4,50% |
From 30 days to less than 60 days | 4,75% |
From 60 days to less than 90 days | 5,00% |
90 days and above | 6,00% |
Conditions
- Applicable to customers who hold a current account (*) and achieve Silver tier or above under the SACOMBANK Sapphire Program.
- Activate and manage the feature conveniently via the SACOMBANK PAY app.
- Please refer to the Terms and Conditions.
(*) Joint current accounts, overdraft current accounts, and current accounts subject to transaction restrictions are not eligible
FAQs
1
Who is eligible for Tai Loc Active Invest?
Customers who are Silver tier or above, have a current account and use the SACOMBANK PAY app (Joint current accounts, overdraft current accounts, and current accounts subject to transaction restrictions are not eligible)
2
What is the minimum balance required to maintain in my current account? How does the earnings mechanism work?
The minimum balance threshold is VND 10 million. Any balance exceeding this threshold, in multiples of VND 100,000, is automatically transferred by the system to the Tai Loc Active Invest Balance, which earns returns of up to 6%/year.
3
Will funds be transferred automatically from my Tai Loc Active Invest Balance if my current account balance is insufficient for a transfer or payment?
If your available current account balance is insufficient, the system will automatically transfer the required funds from your Tai Loc Active Invest Balance to your current account to complete the transaction successfully.
4
Will the system automatically transfer funds from my Tai Loc Active Invest Balance if my current account balance is insufficient for a loan repayment or scheduled payment?
If the balance in your Current Account is insufficient to cover a scheduled loan repayment (principal and interest) or a recurring payment, you will need to manually transfer funds from your Tai Loc Active Invest Balance to your current account before the payment is due.
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