Cập nhật Gửi Tiết Kiệm Ngân Hàng Nào? 7 Lưu Ý Cho Người Mới Bắt Đầu

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People often prefer to deposit money in the bank to earn profit with the “idle” money for safety. Banks today have many different forms of deposit, including bank savings. So what are the characteristics of savings deposits? Let’s find out with the article below to have a choice Which bank should I deposit? suitable for you.

7 Notes for safe and effective bank savings

#1 Should save money at a reputable bank

Choosing a reputable bank to save money will help you feel more secure about your money. Some characteristics you can refer to to choose a reputable bank such as a wide branch network, fast transaction processing, information transparency, low costs, etc.

#2 Should save at a bank with a high interest rate

Surely you want your savings to be the most profitable, so you need to look up and compare savings interest rate banks to make decisions. Usually, the state-owned banks have a high reputation, but the interest rates are usually low, the joint stock commercial banks will be higher because they want to attract more customers. Refer interest rates on savings deposits of state banks and the following joint stock commercial banks:

Table of interest rates for savings in VND of State banks (%/year)

Bank 1 month 3 months 6 months 12 months 18 months 24 months
Agribank 3.1 3.4 4 5.6 5.6 5.6
GPBank 4 4 5.7 5.9 5.9 5.9
OceanBank 3.3 3.5 5.3 6.1 6.6 6.6
CBBank 3.5 3.7 6.25 6.55 6.7 6.7
VBSP 3.3 3.6 4.2 5.8 5.8 5.8
VDB 3.5 3.8 4.4 6.0 6.0 6.0
Vietcombank 3.1 3.4 4 5.5 5.3
VietinBank 3.1 3.4 4 5.6 5.6 5.6
BIDV 3.1 3.4 4 5.6 5.6 5.6
Source: Money24h.vn

Table of interest rates for savings in VND of some joint stock commercial banks (%/year)

Bank 01 month 03 months 06 months 12 months 18 months 24 months
TPBank 3.5 3.55 5.4 6.3
Sacombank 3.1% 3.4% 4.8% 5.6% 6% 6.2%
ACB 3.1% 3.2% 4.5% 5.6%
HDBank 3.2% 3.3% 5.15% 6.05% 6.15% 5.95%
VPBank 3.3 4.7 5 5.1
Techcombank 2.95% 3.25% 4.5% 5.2% 5.2% 5.2%
Source: Money24h.vn

Note: This is the interest rate when receiving interest at the end of the period.

#3 Should save money online bank

As mentioned above, the interest rate plays an important role in deciding which bank to choose for savings and the interest rate of the form. online savings quite competitive to attract customers. Currently, many banks have applied online savings deposit methods such as Timo Digital Bank, because it is a new form, many people are still concerned about the security and safety of this form. However, you can rest assured because the security of online savings is very high with password, fingerprint, Face ID, OTP code, iOTP,..

Should deposit savings online bank

Comparison table of interest rates deposited at the counter and online at some banks for a term of 6 months (%/year)

Bank Savings interest rate at the counter Online savings interest rate
Agribank 4.0 5.3
North Asia 6.10 6.2
Bao Viet 5.75 5.85
BIDV 4.00 5.3
CBBank 6.25 6.35
GPBank 5.70 5.7
Hong Leong 4.20 4.0
Kien Long 5.60 5.7
MSB 5.00 5.5
MB 4.54
South Asia Bank 6.00 6.3
NCB 6.25
OCB 5.40 5.6
OceanBank 5.30 5.3
PVcomBank 5.60 5.8
SCB 5.70 6.45
SHB 5.75
TPBank 5.40 5.55
VietCapitalBank 6.90 7.1
Vietcombank 4.00 5.5
VietinBank 4.00 5.5
(Source: Webgia.com)

Note: This is the interest rate when receiving interest at the end of the period.

Through the above table of interest rates, it can be seen that the interest rate for online savings is higher than that of over-the-counter deposits from 0.1 to 1.5 percentage points. For example, with Viet Capital bank, the interest rate on a 6-month term deposit is 6.9% while the interest rate is online deposit is 7.1%, 0.2 percentage points higher.

#4 Should check the information on the passbook

If you have selected a bank to save and complete the deposit procedure, you should carefully check your personal information as well as the deposit date, maturity date, interest rate, .. on saving to make sure nothing went wrong.

#5 Don’t put all your savings in one book

If there is a case where you need money urgently and have to withdraw money even one day in advance, you will only be entitled to a demand interest rate instead of a term, which is usually very low, about 1%. Therefore, you should divide the deposit into many small books with different terms, when you need it urgently, you only need to withdraw one book and the other books will still enjoy the interest rate as originally committed when due.

#6 Get it how to calculate deposit interest

How to calculate interest rate on deposits received at the end of the period?

If you have a term deposit and come to receive interest on the due date or after, you can calculate the interest using the following 2 formulas:

Formula 1: Interest = Deposit amount * Interest rate * Number of days of deposit/360

Formula 2: Interest = Deposit amount * Interest rate/12 * Number of months of deposit

For example: If you deposit 10 million VND in a bank with a term of 12 months and the interest rate is calculated at 6.5%.

Applying the formula, at the end of the period you will receive a profit of 10,000,000*0.065/12*12= 650,000

How to calculate monthly savings deposit interest?

You can also make a term deposit and receive monthly interest. The amount of interest will be calculated according to the formula:

Interest = Deposit amount * Interest rate /12

For example: If you still deposit 10 million with a term of 12 months and the interest rate is 6.5%, the amount you can receive monthly is 10,000,000*0.065/12= 54.166

#7 Understand Popular forms of saving money

Deposit with term savings

Term savings deposit is a form in which the depositor can only withdraw money after a certain deposit term as agreed with the bank. Savings interest rate will be calculated according to the terms set by the bank, for example, long term term 1 month, 2 months, 3 months, 6 months and long term like 12 months, 18 months, 24 months, 36 months … In this form, the depositor enjoys high interest.

Popular forms of saving money

With this type of savings deposit, depositors can only deposit once and withdraw both capital and interest once at maturity. Until the due date, the sender is not allowed to add to the deposited amount. Each deposit will be treated as a separate deposit. The minimum amount of each deposit will be determined by each bank.

Deposit savings without term

With the form of savings deposit, depositors can flexibly deposit and withdraw according to their needs without prior notice to the bank. However, the savings interest rate of this form is very low.

This type of savings deposit will help ensure the safety of idle money, reserve for spending needs in a short time and at the same time enjoy a little interest.

Sending savings with a purpose

Purposeful savings are medium and long-term savings for housing construction. In addition to enjoying savings interest, depositors are also given additional loans by banks to supplement capital for housing construction. The maximum loan amount will be equal to the savings deposit balance.

How to deposit savings correctly

Deposit savings at the counter

How to save money in a bank at the transaction counters include the following steps:

  • Step 1: Go to the bank counter and get the order number
  • Step 2: Provide necessary documents and procedures and follow the instructions of the transaction staff
  • Step 3: Deposit the savings deposit into the registered account (If you already have a current account, ask the bank staff to deduct from that account into the registered savings account)
  • Step 4: Complete the opening process.

After that, the bank will schedule a date to receive the passbook, customers only need to go directly to the bank to receive the passbook.

Send savings online

The process of online savings deposit is as follows:

  • Step 1: Visit the bank’s website or app to register and open an online bank account
  • Step 2: Sign in to your created account
  • Step 3: Select “Savings” on the displayed screen
  • Step 4: Choose a delivery methodi, source account and account to receive money after settlement
  • Step 5: Fill in the information according to the bank’s form
  • Step 6: Double-check all information before completing the process.

Note: To deposit online, you need to have a payment account of the bank you want to deposit and register to use Internet Banking/Mobile Banking service.

What are the characteristics of savings deposits?

What is a Savings Deposit?

Saved money in English called Savings deposit In general, it is also a form of bank deposit (in terms of purposes, bank deposits are divided into two types: payment deposits and savings deposits). True to the consumer’s purpose, savings deposits have the main purpose of saving. That is, this is an amount of money to be saved or used for investment, not suitable for personal spending and payment. Users always want to get a profit from this deposit.

saved money
Did you understand correctly about savings deposit? (Internet source)

There is a specific time

Usually when conducting saving, users will be able to choose the sending term (3 months, 6 months, 9 months, 12 months, …). The last day of each term is called the maturity date, the user will get back an amount after depositing the bank on this date. Of course, savings don’t always have a term, you can still choose the form of demand and can pay off at any time.

Is a profitable investment

Interest rate is the key factor to attract customers in saving deposit. Currently, in general, banks maintain an average interest rate of 6% for a 12-month term. Specifically, features Timo’s long-term savings account online for an interest rate of 6.2%/year for a term of 1 year. If you deposit for a long enough time, you will also get a decent amount in return. Savings interest rates include two types: term interest rates (applicable to term savings) and term savings interest rates. non-term interest rate (applicable to term savings).

The interest rate on demand will usually be lower than with term. In general, the profit you get from saving is not high compared to some other investment industries such as securities, real estate. but ensure stability and low risk.

Looking for more information: Should you save or invest in securities?

NSmanaged by passbook

Saving is a common bank tool for managing your savings account. Therefore, users must be responsible for preserving this savings for good. You should also regularly check your personal information, the amount of savings recorded in the book to make sure.

Counted stable, safe

In fact, saving is a fairly safe investment channel. Savings deposit is not too strict, such as insurance, but it is enough to give you peace of mind when you have a deposit from the bank. This is a quick, simple way to make a profit for those who don’t want to leave their money “dead”.

  • Timo Term Deposit – Deposit online savings
    Competitive and attractive interest rates

    Simple and fast opening procedure

    Split savings book, withdraw capital flexibly, preserve interest

    Online book settlement, capital and interest immediately transferred to the card

    Longer savings. Higher interest rates right on the Timo app!

Frequently asked questions about savings

Why should you separate into many small books when depositing money in a bank?

Because if you withdraw money before the maturity date, even one day, you will only receive a demand interest rate that is usually very low like 0.1%, 0.2%, .. instead of term interest rate.

Is it safe to send money online?

Surely many people who are afraid of sending money online will not have a passbook. However, with online deposit, you will not worry about preserving your passbook anymore, but will be clearly managed by the system and secured by password, fingerprint, Face ID, etc.

How much money can be deposited in the bank?

Currently, banks are allowed to deposit at least 1 million VND.

Nguồn tổng hợp

Đánh Giá
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