FAQs

Corporate Banking Products & Services

If you have any questions about TPBank, our products and services, Please see more informations in frequently asked questions system!

If you haven’t get a satisfactory answer, contact the Customer Service Center of TPBank at 1800 58 58 85 | (84 4) 37 683 683

We are always at your service!

Account management
Joint - Holders Corporate Account
Can corporate customer use overdraft money from Joint-Holders Account? If yes, what are conditions and procedures?

Yes, overdraft money can be used by customer provided that overdraft loan has been accepted by TPBank in advance.

What kind of currency that customer can deposit into account?

Customer can deposit cash into account by VND, USD, EUR and other foreign currencies in conformity with TPBank’s regulations.

Can corporate customer transfer money from their Joint-Holders Account to term deposit account for getting higher deposit interest rate? If yes, how to handle this transaction?

Yes, this transaction can be performed either at the bank’s counter or though Internet Banking.

How can Joint-Holders Account get interest?

Joint-Holders Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day. 

If one holding entity wants to use money from this account, is it necessary to get permission from other entities?

Account transactions shall be performed by agreement of all holding entities and such agreement has been submitted to and accepted by TPBank in advance. Therefor, one holding entity can perform account transactions independently without permission of other holding entities if an agreement about this has been made and accepted by TPBank prior actual transaction.

How long does it take for opening Joint-Holders Account of corporate customer?

For opening account at the bank’s counter, it takes within 15 minutes.

In case of online registration for account opening, TPBank officer will contact customer for receiving required document and performing account opening within 24 hours since the date and time of receiving customer’s online registration.

Centralization Account Management
How can Centralization Account get interest?

Centralization Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day.

What is the benefit of Centralization Account comparing with a current account?
  • Fund transfer transactions shall be performed automatically.
  • Rational allocation of fund between affiliate companies
  • Deposit interest shall be at Centralization Account
Does the Centralization Account make more benefit to mother company?

Yes, centralization of cash flow will maximize deposit interest of mother company.

Specialized Collection Account
How can Specialized Collection Account get interest?

Specialized Collection Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day.

Is it possible to make debit on Specialized Collection Account?

No, this Account has credit function only.

Specialized Settlement Account
How can Specialized Settlement Account get interest?

Specialized Settlement Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day.

Is it possible to make credit into Specialized Settlement Account?

Yes, this Account allows making credit into account as a current account.

Can Specialized Settlement Account transfer money to unregistered beneficiary?

No, Special Settlement Account is used for transferring money to registered beneficiary only.

Capital Account
How can Capital Account get interest?

Capital Account is a non-interest rate current account.

What is the benefit for opening Capital Account at TPBank?

Besides convenient and fast capital transactions, TPBank’s officer will provide consultancy on transfer investment fund and profit back to investor, especially for foreign investment in Vietnam.

Flexi Account
How long does it take to open Flexi Account at TPBank?

It takes within 15 minutes for opening Flexi Account provided that required documents and application shall be submitted at the Bank’s counter.

How can Flexi Account get interest?

Flexi Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day.

What kind of customer shall be available for Flexi Account?

Flexi Account shall be available for a wide range of distribution networks customer.

Current Account
How long does it take for opening corporate account at TPBank?

For opening account at the bank’s counter, it takes within 15 minutes.

In case of online registration for account opening, TPBank officer will contact customer for receiving required document and performing account opening within 24 hours since the date and time of receiving customer’s online registration.

How can Current Account get interest?

Current Account can get demand deposit interest quoted by TPBank from the time being. Interest amount shall be generated by closing account balance of every day.

Is it possible for customer to transfer money from demand deposit to term deposit, if yes, how to perform this transaction?

Yes, this transaction can be performed at the bank’s counter or over internet banking (https://ebank.tpb.vn/ibank/)

Can corporate customer use overdraft money from current account? If yes, what are conditions and procedures?

Yes, overdraft money can be used by customer provided that overdraft loan has been accepted by TPBank in advance.

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Deposit
Periodical Interest Earnings Term Deposit
What is the minimum deposit amount for VND / USD?

Minimum deposit amount: VND 1,000,000 / USD 100.00

What is the maximum length of tenor for Periodical Interest Earnings Term Deposit?

Maximum tenor for Periodical Interest Earnings Term Deposit is 36 months.

What is the kind of corporate customer who can place Periodical Interest Earnings Term Deposit?

Every organization having registration and business areas in compliance with legal regulations in Vietnam.

Every international organization having registration and business areas in compliance with legal regulations of native country.

Note: Such organization as mentioned above is not included of credit institution.

Online Deposit
How can I register online deposit function?

Customer can register online deposit function at the counter of TPBank.

How to terminate online deposit?

Customer can terminate online deposit either by visiting the counter of TPBank or through Internet Banking of TPBank.

 

End-Term Interest Earnings Term Deposit
Can I place a 47-day deposit?

Yes, Customer can place a 47-day deposit or other daily deposit.

What is the kind of corporate customer who can place End-Term Interest Earnings Term Deposit?

Every organization having registration and business areas in compliance with legal regulations in Vietnam.

Every international organization having registration and business areas in compliance with legal regulations of native country.

Note: Such organization as mentioned above is not include of credit institution.

Early-Term Interest Earnings Term Deposit
What is the maximum length of deposit tenor for Early-Term Interest Earnings Term Deposit?

Maximum length of deposit tenor is 36 months

How can I get interest amount if I terminate Early-Term Interest Earnings Term Deposit before maturity date?

If customer terminates Early-Term Interest Earnings Term Deposit before maturity date, interest rate shall be converted to demand deposit interest rate and discrepancy amount between interest rate of the Term Deposit and of demand deposit shall be deducted on principle amount.

What is the type of corporate customer who can place Early-Term Interest Earnings Term Deposit?

Every organization having registration and business areas in compliance with legal regulations in Vietnam.

Every international organization having registration and business areas in compliance with legal regulations of native country.

Note: Such organization as mentioned above is not include of credit institution.

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Loan and finance
Car loan
What kind of collateral can be accepted by TPBank?

Asset(s) formed from the loan, real estate, cash and cash equivalents.

What is the maximum lending amount for Car Loan?

The maximum lending amount is 100% retail price of car, truck (included VAT).

What is the method of loan repayment and interest amount payment?

Principal repayment: Monthly / quarterly repayment

Interest payment: Monthly payment by outstanding loan balance of that month.

What is the maximum lending tenor for Car Loan?

Maximum lending tenor is 72 months.

VND Lending with Special Interest Rate
What is the term and condition for customer in the borrowing of this lending product?

Both legal regulations and TPBank’s regulations shall be fulfilled by customer, export-import company is preferred.

What is the maximum lending tenor for this lending product?

Maximum lending tenor is 12 months.

What is the applicable currency of this lending product?

Lending currency is VND.

How to calculate lending interest rate for this lending product?

Lending interest rate = USD lending interest rate of the same tenor + Supplemental interest rate.

Supplemental interest rate is defined by discrepancy in USD/VND exchange rate between date of drawdown and date of loan repayment.

Full Package of Project Financing
What kind of sector and business field can TPBank provide project financing?

TPBank provides Full Package of Project Financing to following projects:

- Project (Package) for Purchasing of Machinery / Equipment

- Construction Project (Package)

- Other project (package) in following fields: service consultancy, insurance, invisible goods in which TPBank can not evaluate performance capability of customer as well as delivery progress of goods / services to buyer (employer); or project (package) for purchasing of small machinery / equipment and parts of machinery.

What is the applicable currency of this lending product?

Lending currency is VND or foreign currency.

In case of lending in foreign currency, borrower must obey legal regulations on foreign exchange as well as regulations of TPBank.

How to determine lending tenor?

Lending tenor shall depend on request of customer and cash flow of the project. Validity period of lending tenor shall be from the drawdown date until repayment date, but not exceed 12 months / drawdown notice.

What form of credit facility does TPBank apply to Full Package of Project Financing?

Single loan or credit facility

Credit Line
What kind of customer can be object of this lending product?

Every enterprise can use credit line provided by TPBank if they meet requirements of TPBank’s regulations on lending to corporate customer

What is the validity period of a credit line?

Maximum validity period is 12 months.

What is the applicable currency of this lending product?

VND and foreign currency.

In case of lending in foreign currency, customer must obey legal regulations on lending in foreign currency, foreign exchange of Vietnam and regulations of TPBank.

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