One of the effective and safe ways of accumulating money that is chosen by the majority of customers today is to deposit more money into a BIDV savings account.
Therefore, today's article nganhangonline will instructions on how to deposit more money into online savings account BIDV Smart Banking 2022. If you have some idle capital that needs to be "preserved" and want to make periodic profits, please follow the updated content below.
Instructions on how to deposit more money into online savings account BIDV Smart Banking 2022
Instead of keeping money in wallet/account, BIDV customers can deposit accumulated money online right on BIDV Smart Banking application. This is a profitable way to build a stable, long-term financial plan for the future.
How to deposit more money into online savings account BIDV Smart Banking 2022
Step 1: Log in to the BIDV SmartBanking application on your phone.
Step 2: At the main screen select the feature "Online savings".
Step 3: Continue to select “Send savings online".
Step 4: There will be 02 cases, having opened an accumulation account or not opening a BIDV accumulation account.
- If not open yet: Everyone chooses "Open a savings account". Then fill in all the information: Term, Deposit amount, Account receiving interest principal, Memo name, ...
- If already opened and need to deposit more money into the account: Here, people just need to choose the account to deposit more money and enter the amount to pay.
Step 5: Read the contract terms carefully, then “Confirm” information entered by OTP code sent by the system.
Step 6: Complete the process of depositing more money into online savings account BIDV Smart Banking.
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Current savings products of BIDV
With the desire to bring a great experience to its customers, BIDV has deployed a variety of savings products as follows:
Term deposit under contract
This is a form of savings deposit with a contract to bind the interests and obligations of customers with BIDV.
Details of term deposit under contract
| Information | Term deposit under contract |
| Deposit type | VND, USD, EUR |
| Customers | + Foreign individuals are allowed to reside in Vietnam for 6 months or more. + Individual Vietnamese residents and non-residents. |
| Minimum balance | 500,000 VND/ 100 USD/ 100 EUR |
| Period | 1 – 24 months |
| Interest payment method | Paying interest at the end of the period / Paying interest every month |
| Method of receiving interest | Interest is transferred to the customer's current account opened at BIDV. |
| Deposit interest rate | Competitive and flexible according to BIDV's own period. |
| Characteristics | The form of ownership is a term deposit contract. |
Term savings deposit at the counter
Customers will make a term deposit directly at BIDV's branches/transaction offices and open the book at the counter.
Details of term deposit at the counter
| Information | Term savings deposit at the counter |
| Deposit type | VND, USD, EUR, JPY |
| Customers | + Saving VND: Vietnamese individuals reside and do not reside. + Savings in foreign currencies: Vietnamese individuals reside. |
| Minimum balance | 500,000 VND/ 100 USD/ 100 EUR/ 1,000,000 JPY |
| Period | 1 - 60 months |
| Interest payment method | Paying interest at the end of the period / Paying interest in advance / Paying interest monthly, quarterly, every 6 months, annually. |
| Method of receiving interest | Interest is transferred to the customer's current account opened at BIDV. |
| Deposit interest rate | Competitive and flexible according to BIDV's own period. |
| Characteristics | The form of ownership is a Term Savings Card. |
Online Term Savings Deposit
It is the most popular form of saving money because of its very high convenience. Customers can actively deposit money quickly on the banking application and receive attractive interest rates without moving to the counter.
Detailed information about online term savings
| Information | Online deposit |
| Deposit type | VND |
| Customers | Customer is a resident Vietnamese individual who has a payment account opened at BIDV and uses BIDV Smart Banking service. |
| Minimum balance | 1,000,000 VND |
| Period | 1 - 36 months |
| Interest payment method | Payment of interest at the end of the period. |
| Method of receiving interest | Interest is transferred to the customer's current account opened at BIDV. |
| Deposit interest rate | Competitive and flexible according to BIDV's own period. |
| Characteristics | Deposit/Withdraw savings online on BIDV Smart Banking application without going to the transaction counter. |
Accumulated deposit at the counter
Deposits accumulated at the counter are currently a form of receiving with very high demand. Because, customers can deposit accumulated periodically every day/month with a certain amount to increase the total deposit and generate more profit.
Detailed information about the form of accumulated deposits at the counter
| Information | Accumulated deposit at the counter |
| Deposit type | VND |
| Customers | + Cumulative deposits”Growing up with love”: Customer is a Vietnamese Child under 15 years old and transacts through a Legal Representative. + Cumulative deposits”Security”: Customers aged 15 years or older are Vietnamese individuals residing and foreigners are allowed to reside in Vietnam for a period of 06 months or more. |
| Minimum balance | 100,000 VND/month |
| Period | 1 month and auto-renew. |
| Interest payment method | Payment of interest at the end of the period. |
| Method of receiving interest | Interest is transferred to the customer's current account opened at BIDV. |
| Deposit interest rate | Competitive and flexible according to BIDV's own period. |
| Characteristics | Every month, BIDV will automatically deduct money from the customer's current account and transfer it to the accumulative deposit account as agreed in the original Cumulative Deposit Agreement. |
Certificates of deposit
Detailed information on the form of certificate of deposit
| Information | Certificates of deposit |
| Deposit type | VND |
| Customers | + Non-resident foreigners purchase certificates of deposit through an indirect investment capital account in Vietnam Dong opened at an authorized bank. + Vietnamese residents, non-residents, foreign residents buy certificates of deposit in cash/ payment accounts in Vietnam dong opened at an authorized bank. |
| Minimum balance | 500,000,000 VND |
| Period | + Certificate of deposit paying interest at the end of the period: term 1, 2, 3, 6, 9, 12, 13, 15, 18, 24 months. + Certificate of deposit with periodic interest payment: for 12 and 13 month terms, interest will be paid monthly. |
| Interest payment method | Paying interest at the end of the period / Paying interest every month |
| Method of receiving interest | Pay interest periodically and do not enter principal / Pay according to the customer's choice (suspended interest / paid to current account if not eligible). |
| Deposit interest rate | Competitive and flexible according to BIDV's own period. |
| Characteristics | Customers make a request for term deposit when participating in buying BIDV certificates of deposit. |
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Frequently asked questions about BIDV's online savings account
Should I deposit savings online or at BIDV counter?
Of the 02 methods of sending online and sending at the counter, sending online has more outstanding advantages, such as:
- The interest rate of online savings deposit is up to 0.2%/year higher than the interest rate when deposited at the counter for a term of 3 - 11 months (from July 2021, the policy can be changed on a monthly basis). period).
- Deposit/Withdraw online deposit right on BIDV Smart Banking application installed on mobile phone/computer with internet connection anytime, anywhere. Customers do not have to go to the counter, do not wait in line, even on holidays, holidays and New Year.
- All information is clear, look up and check your savings account right on your phone/computer at any time.
- Have the right to save a small amount (from 1,000,000 VND) without waiting for a large amount to accumulate. This helps optimize the interest rate received for customers.
- Have the opportunity to participate in many promotions for online savings customers with valuable gifts/prizes.
- Savings deposits can be used as collateral for bank loans.
- Customers do not need to worry about losing/losing/preserving the passbook. In case you want to have a confirmation of savings deposit, you can go directly to BIDV's branch/transaction office to do so.
Is it possible to withdraw savings deposit before maturity?
According to current regulations of BIDV, for term deposits, customers can pay off the deposit before maturity. After that, the interest rate will be according to the demand deposit rate.
Thus, if you withdraw before the maturity date, the interest rate received will be relatively low. Everyone should carefully consider the deposit term as well as the decision to withdraw so as not to lose interest.
How is BIDV's savings interest rate calculated?
BIDV's savings interest rate is currently calculated according to the following formula:
Interest amount = Deposit amount x Interest rate (%/year) x Actual number of deposit days/ 365
For example: Mr. A deposits an amount of VND 100 million with an interest rate of 7%/year for a term of 6 months. The amount of interest received at maturity is:
Amount of profit = 100,000,000 x 7% x 181/ 365 = VND 3,371,233.
Note when saving bank accounts
In order for the savings deposit process at the bank to be quick, convenient and enjoy the highest interest rates, people should pay special attention to:
Choose a reputable bank
The fact that a bank has a high reputation also means that it has good business results for many years, a long history of establishment, and transparency in policies. This will ensure absolute safety for customers' deposits.
In addition, a reputable bank will have a team of experienced staff, ready to advise and assist customers in choosing the appropriate form of savings.
Determining the deposit term
You need to know that, the longer the deposit term, the higher the interest rate received. In case customers have unstable financial resources, they should choose short terms such as 01 month, 03 months, 06 months. At the same time, divide many savings accounts so that when needed, capital can be withdrawn in a few accounts, avoiding loss of interest on the entire deposited amount.
Choose suitable savings products
Savings products at the bank are built and set up to suit a variety of audiences. Therefore, before saving, everyone needs to know the regulations, terms and interest rates to have the best choice for themselves.
Ensure the safety of savings books/accounts
Savings book/account opened at the bank is the basis to prove the amount you have deposited. Therefore, people need to especially keep in mind the following:
+ Absolutely do not pre-sign any blank/incomplete documents.
+ Deposit/withdrawal of savings in the form of at the counter must be done directly at the bank counter.
+ If you keep a passbook, it must be carefully preserved, not torn / broken / damaged / lost. Ensure the security of your password if you choose to deposit online on an e-banking application.
+ Carefully check the information recorded on the savings card to ensure accuracy before signing for confirmation.
+ It is necessary to use the correct sample signature previously registered at the bank when transacting to ensure safety. In case there is a change of signature, you must go to the bank to re-register a new signature.
+ Register for SMS/OTT balance change notification message service to actively monitor bank account balance fluctuations.
Here is the full content instructions on how to deposit more money into online savings account BIDV Smart Banking 2022. Thus, if you have idle capital that needs to be stored carefully and generate effective profits, you can choose this form of savings. Before you leave, don't forget to leave a message in the comments below, the website will receive and respond quickly.
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