FAQs

Personal 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!

Savings Accounts
Regular Term Savings - Interest Paid Periodically
Can I open this type of account in USD?

No, you can only open a savings account to be paid interest in advance in VND. Please contact us to discuss other options available in other currencies.

Do I need to be an existing TPBank customer?

No, but you will need to open a current account at the same time in order to receive interest payments. Please see the section on current accounts for more information.

All you need to open a savings account with us is:

  • National ID card or Passport
  • A card giving proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 1,000,000 VND

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

When will I receive my interest?

You will be paid interest every month or every quarter depending on the term and rate you choose. Because the payment goes directly to your current account, you can use those funds as soon as they are transferred.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will help establish your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back your principal as well as interest at the non-term rate of 1% for the actual length of the deposit. Any interest payments received up to the date of closure will be deducted from your principal.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products:Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

Can I close my savings book at the other branches instead of at where I opened it?

Yes, customers can close saving book at any branches or transaction offices of TPBank nationwide.

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Regular Term Savings - Interest Paid at Maturity
I am not a Vietnamese citizen, but I have lived in the country for some time. Am I eligible to open this type of savings account?

Unfortunately, this account is only available to Vietnamese citizens. But please contact us to discuss other savings options that are available to non-citizens.

Do I need to be an existing TPBank customer?

No, all you need to open a savings account with us is:

  • National ID card or Passport
  • A card giving proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 1,000,000 VND or 100 USD or 50 EUR

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will help establish your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back your principal as well as interest at the non-term rate of 1% for the actual length of the deposit.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

What should I do if I lost my passbook?

If you lost your passbook, you need to immediately contact TPBank's customer service to freeze your passbook(TPBank's branch or via hotline). After that, you will visit TPBank's branch to follow pasbook lost report procedure as regulated.

Regular Term Savings - Interest paid at Beginning of Term
Do I need to be an existing TPBank customer?

No, all you need to open a savings account with us is:

  • National ID card or Passport
  • A card giving proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 10,000,000 VND

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

Can I open a saving account with interest paid at beginning in USD?

No, you can only open a savings account to be paid interest in advance in VND. Please contact us to discuss other options available in other currencies.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will increase your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back your principal as well as interest at the non-term rate of 1% for the actual length of the deposit. The interest payment you received at the beginning will be deducted from the principal with no additional charges.

What happens if I don't close my account at the end of the term?

Your savings account will be renewed based on the terms you originally selected.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products:Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Savings with Flexible Withdrawal of Principal
What are the benefits of a savings account with flexible withdrawal of principal?

You can withdraw principal one or more times and still will be entitled to interest on the remainder of your savings. Early withdrawals will still be entitled to interest, but at the non-term rate, which is still very competitive. This is all available with flexible terms and automatic renewals.

Can I withdraw money without my savings book?

No, you need your savings book to withdraw from the principal in your account.

Do I need to go to the branch where I opened my account?

No, you can make withdrawals at any TPBank branch or transaction office across the country.

Can I withdraw any amount I want from this savings account?

No. For VND, you must withdraw at least 5,000,000 VND at a time, in multiples of 1,000,000 VND, and for USD, you must withdraw at least 250 USD at a time, in multiples of 50 USD. Please contact us for information on other currencies.

Do I need to be an existing TPBank customer?

No, all you need to open a savings account with us is:

  • National ID card or Passport
  • A card giving proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 10,000,000 VND OR 500 USD OR 350 EUR OR 50,000 JPY

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will help establish your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back the remaining principal as well as interest at the non-term rate of 1% for the actual length of the deposit.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Savings with 12 months Flexible
Can I open this type of account in USD?

No, you can only open a flexible 12-month savings account in VND. Please contact us to discuss other options available in other currencies.

Can I withdraw money without my savings book?

No, you need your savings book to withdraw from the principal in your account.

Do I need to go to the branch where I opened my account to make a withdrawal?

No, you can make withdrawals at any TPBank branch or transaction office.

Do I need to be an existing TPBank customer?

No, all you need to open a savings account with us is:

  • National ID card or Passport
  • A card giving proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 1,000,000 VND

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

 

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will help establish your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back the remaining principal as well as interest at the non-term rate of 1% for the actual length of the deposit.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:
- You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:
- You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.

Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

What is the minimum amount of this product?

The minimum amount is 1.000.000 VND.

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Savings - Daily Term
Can I open a daily saving account in a foreign currency?

Yes, a daily term savings account can be opened in VND, USD, and EUR. Please contact us for more information about other currencies.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account will help establish your creditworthiness. You can also use this account as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

I need to close my daily saving account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back the remaining principal as well as interest at a non-term rate based on the number of days of your deposit.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

Is the term of daily saving product flexible?

Yes. Customer can deposit with daily term, flexible based on their demand minimum 30 days or longer.

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

Saving Foreign Currency with no Term
I am not a Vietnamese citizen, but I have lived in the country for some time. Am I eligible for a loan?

Yes, you may be. If you are over 18 and have a valid residence card with a regular source of income, you may be eligible. Please contact us for more information on the current requirements.

Which currencies can I use to open a TPBank foreign currency non-term savings account?

You can open a TPBank foreign currency non-term savings account in USD, EUR, GBP, or JPY.

What interest rate is applied to foreign currency non-term saving products?

The interest applied will be from TPBank's foreign currency interest rate table for retail customers. Please contact us for the current applicable rates.

Can I transfer my foreign currency from this account to make other payments?

No, but please contact us to discuss other options for remitting payments.

My account is drawn down to the minimum. Can I still make withdrawals?

No, there are no overdraft facilities available with this account.

Do I need to be an existing TPBank customer?

No, all you need to open this type of savings account with us is:

  • National ID card or Passport
  • A card showing proof of your signature (such as a card from another bank), for those without an existing TPBank account
  • A minimum deposit of 100 USD or 100 EUR or 100 GBP or 10,000 JPY

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank foreign currency non-term savings account can be used as collateral for a loan.

I am planning on going to university overseas. Can having this account help?

Yes, a TPBank savings account can be used as financial verification for any travel planning.

I lost my savings book. What do I do?

If you can't get to a TPBank transaction location immediately, call our hotline to block unauthorised access to your savings account. Then go to any TPBank transaction location in the country and fill out a lost savings book report.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

eSavings
What is e-savings?

Is the kind of savings in which customer can open and close a savings account via Internet Banking without having to come to the Bank. Customer can control and check their account via Internet Banking. With this kind of savings, customer can utilize their idle fund as well as save time and cost.

I am not a Vietnamese citizen, but I have lived in the country for some time. Am I eligible for a loan?

Yes, you may be. If you are over 18 and have a valid residence card with a regular source of income, you may be eligible. Please contact us for more information on the current requirements.

Can I open an eSavings account at any branch?

No. You have to open an eSavings account through TPBank's eBank or Mobile Banking services.

Can I close my eSavings account at any branch?

Yes, just bring your valid ID to any TPBank branch or transaction office nationwide.

Are the eSavings' interest rates constantly updated?

The interest rates of TPBank's eSavings accounts are constantly updated to market conditions and are more attractive than other banks.

What are the terms for an eSavings account?

The terms vary from 1 week to 36 months: the choice is yours.

Is the information about my eSavings account secure?

Your eSavings account information is completely secure. Transactions are done via internet or mobile banking using double security codes (a login code and a token card code), and confirmations are sent only to the email address that you registered with TPBank.

Can I transfer money from another bank to open an eSavings account?

You will have to transfer funds from other banks to your current account, which you will need to open an eSavings account. Your eSavings account can then debit those funds from your current account.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back the remaining principal as well as interest at the non-term rate of 1% for the period of time your account has been open.

Can I open this type of account in a foreign currency?

No, you can only open a savings account to be paid interest in advance in VND. Please contact us to discuss other options available in other currencies.

Do I need to be an existing TPBank customer?

No, but you will need to open a current account at the same time in order to receive interest payments. Please see the section on current accounts for more information.

All you need to open an eSavings account with us is:

  • National ID card or Passport
  • Registration documents to open an account for new customers
  • Registration documents for TPBank eBank services
  • A minimum deposit of 1,000,000 VND

While you are opening your TPBank eSavings account, we would be happy to discuss any other TPBank products that might interest you.

I want to apply for a mortgage, can having this account help?

Yes, a TPBank eSavings account can be used as collateral for a loan.

I am planning on going to university overseas. Can having this account help?

Yes, a TPBank savings account can be used as financial verification for any travel planning.

What should I do to use e-savings?

Every customer who has opened an individual account and registered for Internet Banking full package of TienPhong Bank can use e-savings service. This service offers a variety of benefits: fast and simple procedure, no savings book, and customer can register, open and close an account at any time without having to come to the Bank.

What is the minimum amount of eSavings?

The minimum amount of an eSavings is 1,000,000 VND.

Is there a maximum limit to deposited amount for e-savings?

TPBank does not set a limit to the deposited amount. Customer can deposit any amount depending on their financial situation

How many e-savings accounts can I open?

You can open an unlimited number of e-savings accounts for different purposes.

In case of early payoff, how is my interest calculated?

You will enjoy the current account interest rate in case of early payoff.

Can I come to a transaction counter to close my e-savings account and withdraw the cash?

Yes, you can bring your ID card to any transaction office of TienPhong Bank to close your e-savings account.

Future Savings Account
Can I open this type of account in USD?

No, you can only open this savings account in VND. Please contact us to discuss other options available in other currencies.

Can a minor open a Future Savings Account?

Yes, but only through a guardian or a legal representative.

Can a foreigner open a Future Savings Account?

Yes, you just need a valid passport with a visa that does not expire before the end of the chosen term. If you are a national who doesn't require a visa, then you only need to make sure your passport is valid for the term of the chosen term.

Can I be late with a deposit?

Yes. You can make late deposits except for the last scheduled deposit, if you registered for periodic deposits. You can make late deposits up to the last 31 days of the term, if you registered for flexible deposits. Amounts deposited late will only accrue non-term interest for the actual number of days deposited into the savings account.

Do I need to be an existing TPBank customer?

All you need to open this savings account with us is:

  • National ID card or Passport
  • A minimum deposit of 100,000 VND

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

 

I want to apply for a mortgage, can having this account help?

Yes, a TPBank savings account can be used as collateral for a loan.

I suddenly require my funds for another purpose. Can I withdraw from my account without incurring fees?

If the funds are withdrawn within 2 working days since opening the account, fees will be charged. After that period we will pay back the principal as well as interest at the non-term rate of 1% for actual length of the deposit.

Can I use my account as collateral for a loan at another bank?

Yes, however fees will need to be charged for the administration of this service.

I am planning on going to university overseas. Can having this account help?

Yes, a TPBank savings account can be used as financial verification for any travel planning.

I need to close my account before the end of its term. Will I have to pay a penalty?

No. We understand that these things happen. We will pay you back the remaining principal as well as interest at the non-term rate of 1% for actual length of the deposit.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Saving Account with An Gia Phat Loc
Can I open this AGPL saving account in USD?

No, you can only open this savings account in VND. Please contact us to discuss other options available in other currencies.

I need to close my AGPL saving account before the end of its term. Can I do this?

Yes. We understand that these things happen. We will pay you back the remaining principal as well as interest at the non-term rate of 1% for actual length of the deposit. However, there will be a penalty, and the life insurance policy will expire when the account closes.

Is there an age limit on who can open AGPL saving account?

Yes, you must be between the ages of 18 and 60, and you must not be older than 61 when your savings account matures.

Can a foreigner open this type of account?

Yes, you just need a valid passport with a visa that does not expire before the end of the chosen term. If you are a national who doesn't require a visa, then you just need to make sure your passport is valid for the term of the chosen term.

Do I need to be an existing TPBank customer?

All you need to open this savings account with us is:

  • National ID card or Passport (for foreigners, passport and/or visa must be valid up until end of savings term)
  • A minimum deposit of 500,000 VND
  • Request for insurance policy
  • Card showing proof of signature (such as a card from another bank) for first time customers
  • Registration forms, as provided by TPBank

While you are opening your TPBank savings account, we would be happy to discuss any other TPBank products that might interest you.

I want to apply for a mortgage, can having this account help?

Yes, this type of TPBank savings account can be used as collateral for a loan.

Can I be late with a deposit?

Yes. You can make late deposits except for the last scheduled deposit if you registered for periodic deposits. You can make late deposits up to the last 31 days of the term if you registered for flexible deposits. Amounts deposited late will only accrue non-term interest for the actual number of days deposited into the savings account.

I am planning on going to university overseas. Can having this account help?

Yes, a TPBank savings account can be used as financial verification for any travel planning.

Can I close my savings account at another branch instead of where I opened it?

Yes, customers can close their savings account at any TPBank branch or transaction office nationwide.

What do I need to do to open an AGPL saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:

  • You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:

  • You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.
Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

Future Savings Kids
Which savings products can I choose at the counter?

You can choose between these savings products: Regular Term Savings - Interest paid at Beginning of Term, periodically, at Maturity; Savings - Daily Term; Savings with Flexible Withdrawal of Principal; Saving with 12 months Flexible; Saving Foreign Currency with no Term

Is the Future Savings Kids products allow for premature close?

Yes. Customer will be entitled to non-term interest rate in accordance with recent interest rates of TPBank at date of premature close, and counted from the date of withdrawal.

What do I need to do to open a saving account at the counter?

You only need to visit any TPBank branch to open a saving account at the counter.

If you are new TPBank customer:
- You will need to provide these documents to the teller: legal National ID/Passport or equivalent ID documents and fill in TPBank Signature card. After that, follow teller's guidance.

If you are existing TPBank customer:
- You only need to show your legal National ID/Passport or equivalent ID documents and follow teller's guidance.

Does the FSK product use the recent template of saving books?

No. The FSK product will provide to customers the identification of FSK account opening. Customers can check the balance of saving account by eBank service, or request for providing statement  of account details at the counter.

Can I get passbook's final settlement at diferent branch of deposit?

Yes, you can get passbook's final settlement at any TPBank's branch

Can a customer in age of 18 open a FSK account?

No. The customers who are 18 can use the Future Savings or An Gia Phat Loc Savings product.

If I forget to get passbook's final settlement, how will TPBank process with my saving?

Base on your final settlement plan chosen when opening passbook, TPBank will rollover your saivng or transfer the principal and interest to your current account or your interest account.

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Credit Cards
MobiFone – TPBank Visa Platinum Credit Card
Do I need to be an existing TP Bank customer?

No, but  you do need to be at Titan level or above in MobiFone's “Ket noi dai lau” programme. We would also be happy to open an account for you when apply for a credit card.

To apply for this credit card you need to provide:

  • National ID card or Passport.
  • Proof of address such as a family register or KT3 or Temporary Resident Permit.
  • Proof of employment.
  • Salary statements for the last 3 months.
  • A valid “Ket noi dai lau” membership card.
Which “Ket noi dai lau” members can apply for MobiFone – TPBank Visa Platinum card?

MobiFone – TPBank Visa Platinum cards are available to MobiFone‘s “Ket noi dai lau” programme members at the Titan level or higher.

How long before a ”Ket noi dai lau” co-branded card expires?

A local debit card is good for 9 years; an international credit card will expire after 3 years.

How are “Ket noi dai lau” reward points calculated?
  • For debit cards: each 35,000 VND spent = 1 KNDL point.
  • For credit cards: each 15,000 VND spent = 1 KNDL point.
What fees do I have to pay for this credit card?

There is no fee to be issued a card.

There is a 990 VND annual fee for a primary card; this is waived for the first year and will continue to not be charged if you spend 60,000,000 VND before the next year's fees are due.

There is a 440 VND annual fee for every secondary card.

What fees do I have to pay for using this credit card?

You will find that TPBank's rates and fees for this credit card are among the lowest around:

  • 15% per year for purchases.
  • 1% for each transaction in a foreign currency.
  • 2% for each cash advance.
Will I be charged interest immediately for my purchases?

No. Your credit card transactions will not be charged interest until after 45 days from the date of the transaction.

Are there any special programmes or incentives with this credit card?

Yes, with this TPBank credit card, you can enjoy:

  • Earning “Ket noi dai lau” reward points for free call minutes with MobiFone.
  • Up to 10.5 billion VND in global travel insurance for you and your family.
  • Global support services available 24 hours a day, 7 days a week.
  • Discounts at top golf courses across Vietnam
  • Earning up to 5% cash back on each monthly statement.
  • Earning 10% cash back on food purchases on weekends, up to 500,000 VND per month.
  • Accumulating reward points for every 5,000 VND charged for Vietnam Airlines' air miles and other gifts.
  • Special card holder discounts for certain purchases.
Which banks’ ATMs accept TPBank’s cards?

TPBank's ATM cards can be used without additional fees at all TPBank ATMs and at any ATMs in the Smartlink, Banknetvn, and VNBC networks.

What is the difference between a primary card holder and supplementary card holder?

A primary card holder is the person who subscribes for a card issuance. A supplementary card holder is a person to whom the card is issued upon the request and with a payment guarantee by the primary card holder.

The primary and supplementary card holders share a card account whose limit is granted to the primary card holder by the Bank.

Only the primary card holder has the right to set, check, and change the supplementary card holder's limit. The Bank holds no responsibility for any conflict between the primary and supplementary card holders.

What do I do if there is a problem with my card?

In case there is a problem with your card, please go to any TPBank transaction office to inform us or call our hotline (04) 07 683 683 - 1800 58 58 85 (free) or mail us at: Card and Electronic Information Center – TPBank, 4th Floor, TTC Building, Duy Tan Str., Pham Hung Rd., Cau Giay Dist., Hanoi, or email us at Card@tpb.com.vn .

What should I do if there is a fault in my ATM transaction?

When you notice a fault in an ATM transaction, such as a discrepancy between the amount withdrawn and the amount deducted, please go to the nearest TPBank transaction office and fill in a Customer Dispute Form, which will need information including card information, location of the transaction, the problem during transaction, amount transacted, and date of transaction.

*Note: Transaction receipts should always be kept in case of dispute.

My card is locked in the machine. What should I do?

To protect a card holder, an ATM will lock the card in the following cases:

  • The card is listed as having a problem.
  • An incorrect PIN is entered over 3 times.
  • The card is not taken 30 seconds after the ATM releases it.

If an ATM locks your card in, please go to any TPBank transaction office or call the hotline (04) 07 683 683 – 1800 58 58 85 (free) to be guided on how to get your card back at an appointed transaction office. It normally takes 24 working hours to retrieve a card. Please bring your ID card when you come to collect.

What should I do if I forget my PIN?

If you forget your PIN, please contact TPBank to request a new PIN.

If I lose my card, what should I do? Will I lose my money then?

As soon as you notice that your card is lost, please call the hotline (04) 37 683 683 - 1800 58 58 58 and provide the information required including:

  • Name of card holder
  • ID number
  • Address

The bank staff will lock access to your card immediately after receiving your information and will take the right action. After that, please go to any TPBank transaction office to complete the procedure.

The money in your card account should be safe because to use the card, there are 2 requirements: the card and the PIN. So, your money is secure as long as the person who has the card does not know your PIN. This is why it is important to contact us immediately.

TPBank Visa Platinum Credit Card
How long does it take for customer to get the card?

You will receive the card within 02 days since the registration date if you require quick issuance. Normally, you will receive the card within 04 days excluding weekends and holidays.

What should I do when my account is debited but the ATM does not release the money?

In this case, you should visit the branch - which manages the ATM that you have just made withdrawal. Branch staffs will responsible for guiding you through dispute procedure or contact TPBank to be supported.

What should I do when an ATM card is locked in the machine?

When experiencing card problems, please visit any TPBank branch to inform us or call Hotline at (84 4) 37 683 683 – 1800 58 58 58 (free of charge)

TPBank Visa Gold Credit Card
What should I do when my account is debited but the ATM does not release the money?

In this case, you should visit the branch - which manages the ATM that you have just made withdrawal. Branch staffs will responsible for guiding you through dispute procedure or contact TPBank to be supported.

What should I do when an ATM card is locked in the machine?

When experiencing card problems, please visit any TPBank branch to inform us or call Hotline at (84 4) 37 683 683 – 1800 58 58 58 (free of charge)

TPBank Visa Classic Credit Card
What should I do when my account is debited but the ATM does not release the money?

In this case, you should visit the branch - which manages the ATM that you have just made withdrawal. Branch staffs will responsible for guiding you through dispute procedure or contact TPBank to be supported.

What should I do when an ATM card is locked in the machine?

When experiencing card problems, please visit any TPBank branch to inform us or call Hotline at (84 4) 37 683 683 – 1800 58 58 58 (free of charge)

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Debit Cards
TPBank Visa Debit Card
Can the PIN provided in PIN mailer sent by the Bank upon card issuance or reissuance of PIN be used in transactions?

The PIN provided in PIN mailer sent by the Bank can be used in transactions if you haven’t changed it. However, to ensure that customer remembers their PIN and avoid risks when card or PIN mailer is lost, customer should change the PIN on ATM or POS. Please refer to “Card manual guidance” for reference. The change can be done at an ATM or POS of TPBank.
*Note: When choosing a PIN, you should avoid predictable numbers including birthday, phone number, ID number or passport number.

What should I do when my account is debited but the ATM does not release the money?

In this case, you should visit the branch - which manages the ATM that you have just made withdrawal. Branch staffs will responsible for guiding you through dispute procedure or contact TPBank to be supported.

What should I do when an ATM card is locked in the machine?

When experiencing card problems, please visit any TPBank branch to inform us or call Hotline at (84 4) 37 683 683 – 1800 58 58 58 (free of charge)

eCounter ATM card
Which banks’ ATM accepts TPBank’s ATM card?

Currently TPBank’s ATM card can be used on all ATMs of TPBank. Besides, TPBank’s ATM card can be used to perform transactions free of charge on ATMs of banks that belong to Smartlink, Banknetvn and VNBC.

What are the conditions of customers to enjoy incentives?

Customers recently open eCounter card at every business locations of TPBank, or change ATM card into eCounter card.

What should I do when my account is debited but the ATM does not release the money?

In this case, you should visit the branch - which manages the ATM that you have just made withdrawal. Branch staffs will responsible for guiding you through dispute procedure or contact TPBank to be supported.

How can I get the ATM card account number?

To get yout ATM card account number, you can:
- Bring your ID to TPBank branch, bank staffs will help you check information.
- Call Hotline at 1800585885 or (84 4) 37 683 683 and provide TPBank required information(Full name, Date of birth, ID No.,Date of issue, accountnumber,...)
- At ATM: You can choose Print/View Statement section, where your account number should be displayed.
- Via Internet Banking, Mobile Banking: You can login to eBank and view account information.
In case you have not been registered to these services, you can bring your legal National ID or Passport to TPBank branch and fill in service registration forms.

What should I do when an ATM card is locked in the machine?

When experiencing card problems, please visit any TPBank branch to inform us or call Hotline at (84 4) 37 683 683 – 1800 58 58 58 (free of charge)

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Money Transfer
Card-based Inter-bank Remittance
How can I access the “Fast money transfer to other banks 24/7” function?

This function can be accessed via “Money Transfer” module on eBank

How much is the fee for “Card-based inter-bank remittance”?

Current fee is 8000VND/transaction

How long will it take for the money to credit beneficiary’s card?

5-6 seconds after customer verification to complete the transaction

Can I make transfer to foreign banks?

This function only supports banks located in Vietnam

Which banks accept Fast money transfer to other banks 24/7 service?

Currently, Customer can make transfer to 28  different banks with beneficiary’s card number and  to 17 different banks with beneficiary’s account number and these number of bank will change from time to time. You can view the detail list when using this function on TPBank’s eBank

Is there an amount limit applied to this money transfer method?

Yes. The amount limit is 50 million VND/transaction per beneficiary

Western Union Overseas Remittance
Which currency can I transfer overseas for residing purpose?

You can transfer money overseas in USD, EUR, or other currency which suits your needs and TPBank's regulation

Are foreign customers allowed for Western Union Overseas Remittance?

No. This product intends to customers who are Vietnamese citizens and legally residing overseas.

Which conditions is required for residing overseas money transfer?

You need to be Vietnamese resident.
And:
- You are allowed to residing overseas, have legal foreign currency amount and demand to transfer money overseas via bank. Or:
- You have the Green card/ Long term Resident and demand to sell assets in Vietnam to transfer money overseas.

Are customers enabled to transfer money in VND?

No. Customers will transfer money in foreign currencies in accordance with TPBank regulations. TPBank will consider selling foreign currency for customers to transfer overseas, depending on intentions and the other documents customers presented, but not exceeding the amount of foreign currency exchanged from the assets, legal VND amount of customers, and maximum transfer amount, according to TPBank regulations.

Which documents are required?

You need to provide these document to transfer money overseas with residing purpose:
1. Foreign Currency Buying Request(TPBank template)
2. Overseas Money Transfer Request(TPBank template)
3. Copy of legal passport and foreign documents to proof resident rights
4. Documents to proof transfering foreign money is legal
5. Original Periodical Money Transfer Request if you demand to transfer money many times(TPBank template)

Does TPBank regulate the minimum transfer amount?

No.

Overseas Fund Transfer to Vietnam
I am not a Vietnamese citizen. Can I still use this service?

No. Please contact us to discuss options available to foreigners.

Do I need to be an existing TP Bank customer?

No, any Vietnamese citizen legally residing overseas can use this service.

You just need to provide:

  • National ID card or Passport.
  • A TPBank form requesting to buy foreign currency.
  • A TPBank form requesting to transfer funds abroad.
  • Documentation from the destination country's competent authority showing the origin of the foreign funds to be transferred.
  • Documentation stating the purpose for funds being transferred.
Can I transfer VND?

No. You can transfer USD, EUR, or other foreign currencies. Please contact us for more information on other available currencies.

What is the minimum amount I can send?

There is no minimum.

What is the maximum amount I can send?

You will find our maximum is higher than most banks. Please contact us for more information.

What fees will I have to pay?

There are only fees for:

  • Transferring money internationally.
  • Cancelling a money transfer order.
  • Amending a money transfer order.
  • An investigation overseas.

For certain preferred customers, lower fees may be applied. Please contact us for more information.

Which currency can customer receive money transfered?

According to customer’s registration, customer will receive money in VND or foreign currency(as regulated by TPBank periodically)

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Customer Rewards
Customer Rewards
How do I can sign up for the loyalty programme?

You don't have to sign up. If you have a deposit account with a term of 1 month or more, or if you hold any TPBank Visa card, you will automatically be signed up.

How are my reward points accumulated in the system?

Reward points are added automatically after a transaction with applicable TPBank products.

How can I redeem points for gifts?

There are many ways you can redeem gifts such as via eBank, the TPBank hotline and TPBank transaction counters.

When and where do I to go to get my gift?

After no more than 7 days you can visit a TPBank transaction counter to accept the gift.

I redeemed points for a gift but didn’t show up on the appointed date. Does my redemption expire?

You have 3 months from the date you redeemed your points to pick the gift up. After that, it will automatically expire.

I redeemed points for a gift, but on the appointed date to pick it up, can I get another gift of equal value?

No. You have to accept the gift that you selected.

Can I redeem my points for cash?

No. You can only use your reward points for the gifts on offer by TPBank.

I want to redeem my points with Vietnam Airlines. What are the steps I need to follow?

You need a Vietnam Airlines member code. You can register for one on Vietnam Airlines’ website or by contacting their sales or customer service staff.

I redeemed points for a gift, but it didn’t show up. Will my points be returned?

No. Points redeemed for gift are not refundable in any situation.

How are my points calculated?

Points are earned when you use TPBank’s services. Customers depositing into TPBank’s Gold Tier and Platinum Tier accounts earn at a higher rate than other customers. For more information on earning points, please contact your nearest TPBank branch.

To which type of customer is Loyalty program applied?

Applied to all customers who are using products/services in the applied product list of the program regulated by TPBank

Which products/services are applied for Loyalty program?

List of applied products and services are deposit account with term of 1 month and above, and transactions from TPBank VISA card.

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Other Services
Foreign Currency Receiving via Western Union Service
What should I do to receive remittance via Western Union at TPBank?

As soon as you receive a notice from the Bank or from the sender, please go to the nearest transaction office of TPBank, fill in the Receive Form and present a valid ID card or passport to complete the procedure.

Am I limited the amount of money through Western Union?

No.

In which currencies can I receive the remittance ?

You can receive the remittance at TPBank in USD or VND depending on your preference.

To receive money, what are documents I need to present?

Receiver needs to present National ID card or Passport, and fill out all requested information on TPBank form.

If I receive the remittance in VND, what is the exchange rate?

If you want to receive the remittance in VND, the exchange rate applied is the transfer buying rate announced daily by TPBank.

Do I have to pay income tax unusual for received amount through Western Union?

No.

Do I have to pay any fees or income tax for the remittance that I receive at TPBank?

No. You will not have to pay any fee or tax for the remittance that you receive.

Does the receiver of the Western Union remittance have to have an account at TPBank?

The receiver of the remittance does not have to have an account at TPBank to receive the Western Union remittance.

How do I get support from the Bank for receiving remittance?

For any inquiries, please contact Hotline (04) 37 683 683 – 1800 58 58 85 (free) or go to the nearest transaction office of TPBank.

Intermediary Bank for Real-estate Payment, Trading and Transfer
The intermediary service of payment trading and transferring real-estate through bank is intended to retail or corporate customers?

This is a service for retail customers.

What are the benefits of this service?

The seller is guaranteed the payment schedule agreed by the buyer and the seller, therefore reduce the unexpected risks when the buyer withdraws money before the time of payment.

Who in the buyer, seller, transferor or transferee must pay the fee for payment, transferring intermediary service?

This depends on the agreement of the parties when sign in the contract.

Tuition Collection
Besides tuition collection, does TPBank provide any other services related to collecting school fees?

TPBank provides an SMS service, which provides an additional mode of communication to notify students of upcoming tuition due.

What fees do I have to pay?

There are minimal fees for the service and for the SMS notifications. Please contact us for current fee rates.

Who can use this service?
  • Individual customers who attend a participating school and have current accounts at TPBank.
  • Institutions with accounts at TPBank that sign service contracts for tuition collection with TPBank and use TPBank's template collection order.
  • Both the student and the school must enter into an agreement authorising TPBank to transfer funds.
What are the objects of tuition collection service via encashment order?

This service is tended to customers who are:

  • Schools, training centers, education organizations,… that have demand on tuition collection of students through their accounts. And,
  • Students/pupils or their parents who have demand on tuition payment to schools via banking system.
TPBank mPOS
What is TPBank mPOS card payment service?

TPBank mPOS is card payment service via mobile POS device. The service includes TPBank mPOS application installed directly on cashier/sale executive ‘s mobile device integrated with TPBank mPOS card reader device.

Similarities/Differences between TPBank mPOS service and POS service?

Similarities: TPBank mPOS has  the same accepting card payment feature as current POS

Differences: TPBank mPOS allows detail reporting of transactions made or connecting to bill/sales/warehouse management system of customer in order to optimize business performance management.

Who can apply for the service?

Vietnamese organizations which are established and operating under Vietnam’s laws, foreign organizations which are established and operating under the laws of the countries where the organizations are established.

Vietnamese and foreign households, individuals who are living and working legally in Vietnam.

How can I apply for TPBank mPOS service?

Customers who are Coporate/Home business:

•Copy of Certificate of business registraion(notarized)

•Copy of National ID or passport of legal representative

•Card payment acceptance contract of TPBank

Customer who are individual:

•Copy of National ID or passport

•Card payment acceptance contract of TPBank

Requirement for service usage?

You only need:

A current account at TPBank.

A mobile device(smartphone or tablet) with Internet connection and running Android or iOS.

An account and password to login to smart mPOS information management gateway provided by TPBank.

After registered, how can I start using the service?

Please refer to detail manual at the link below

https://mpos.tpb.vn/mpos.portal/publish/HDSD%20TPBank%20mPOS.pdf

 

What type of card can be used for payment via TPBank mPOS?

Currently, TPBank mPOS service accept payment of:

Local debit cards(ATM) of all banks in Smartlink, Banknetvn, VNBC system

International debit, credit Visa cards

Does TPBank mPOS card reader device need a charger?

TPBank mPOS card reader device use baterry which can be charged via USB port.

TPBank mPOS card reader device  can make about 200 transactions/ full charge.

Do I need to input full customer information when making transaction?

When making card payment for customer, Card acceptance unit only need to input amount of payment, mobile number and email of customer. However, in order to manage customer infomation conveniently, TPBank suggest Card acceptance unit to input full customer information when making transaction.

Can customer trust in security when making payment via TPBank mPOS?

TPBank mPOS device  meets international security standards like EMV L1. EMV L2,...

When getting card information via TPBank mPOS, card information will be encrypted by international security standard, only 6 first digits and 4 last digits are shown in order to ensure security for customer’s card.

TPBank mPOS application only sends and receives transaction information to/ from the bank but doesn’t save any card/customer/transaction information on mobile device.

With Local debit card(ATM), customer’s PIN is secured with PIN input virtual keyboard, automatically  keyboard layout changed after each transaction

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Loans
Home Loan for House Construction & Renovation
What is the maximum loan amount and term?

The loan amount depends on your financial status and debt repayment capacity. About the loan term, we will consult you the appropriate term. With TPBank, you can borrow up to 70% of buying asset.

I want to apply for a loan to purchase an apartment at Himlam Cholon, which documents do I need to provide?

For apartment purchasing loan, you only need to provide these additional documents:

  • Apartment purchase contract
  • Loan application
  • National ID/ Passport
  • Family register/KT3/Temporary resident permit
  • Single status Certificate/ Marriage Registration Certificate
  • Income evidencing documents
I want to apply for a loan to purchase an apartment, can I use this asset as collateral for the loan at TPBank?

Yes. Curently TPBank can lend money to customer who buy house or apartment of projects linked with TPBank and use this house or apartment as collateral

I don’t have any collateral to secure my home purchasing loan, can I use my parents’ assets instead?

You can use your parents’ assets as collateral for your loan at TPBank

Do I have to purchase insurance policy for my house?

Yes, the insurance does not only insure the Bank’s mortgage but also insures your own benefit.

I want to apply for a loan to renovate the house, do TPBank require to provide the Building permit?

If you renovation doesn’t change the exterior structure of the house, you won’t need to get a Building permit. You only need to list detail costs of the renovation process. Please contact with your nearest branch to be consulted by our professional business team.

Auto Loan
I want a loan to buy a Chinese manufactured sedan and use it as collateral, is it allowed?

No, TPBank doesn’t accept import and Chinese manufactured car as collateral

I want a car loan for passenger transport business, which documents are required?

You need to provide these documents:

1. Personal documents: National ID, Family register, certificate of marriage...

2. Repayment capacity evidencing documents: payroll, income evidencing documents...

3. Collateral documents: Certificate of land use rights

4. Loan purpose evidencing documents

Does TPBank accept loan for debt repayment?

Yes. Loan for debt repayment can only be accepted with first-time-registered-in-Vietnam car and loan application are sent to TPBank within 30 days from registration date.

 

Curently, how long is TPBank auto loan's term? What are the required documents?

TPBank provides auto loan with consuming purpose for both new and used car. Longest loan term is 5 years.
Required documents including: National ID, Family Register, Income Proving documents and Car Purchasing contract.

When taking out the loan, do I have to buy insurance policy for the body shell?

Yes, you have to buy insurance policy for the body shell material during the term of the auto loan with the beneficiary is TPBank.

Consumer Loan
I am not a Vietnamese citizen, but have lived in the country for some time. Am I eligible for a loan?

Yes, you may be. If you are over 18 and have a current Temporary resident permit or Long-term resident permit, with a regular source of income and a car or property as collateral, you are eligible to apply for a loan.

Do I need to be an existing TP Bank customer?

No, anyone who owns a car, real estate or property can apply, whether or not you are an existing customer. We would also be happy to open an account for you when enter into a loan agreement.

To apply for a loan you need to provide:

  • Car purchase contract (for car purchases)
  • House purchase contract, building permit and construction contract (for real estate purchases)
  • National ID card or Passport (for non-Vietnamese citizens)
  • Family register or KT3 or Temporary resident permit
  • Single status certificate or Marriage registration certificate
  • Documents showing you receive a regular income
  • Certificates of real estate or car ownership

 

What is the maximum loan amount can I get when using a house with 2 billion VND value as collateral?

You can get a maximum of 70% of the house value and no more than 1 billion VND for consumer purpose.

I own both real estate and a car; which one should I use as collateral?

It depends on the amount you wish to borrow and over what period. We offer up to 100% of the value of any car, real estate or property that you or a relative owns. For cars used as collateral, payment terms extend for 4 years and up to 15 years for real estate and property.

I have some real estate in the Hanoi urban area and want to buy a car; which documents do I need to provide?

For a car loan, you need to provide these documents:

  • Car purchase contract
  • Loan application form
  • National ID card or Passport (for non-Vietnamese citizens)
  • Family register or KT3 or Temporary resident permit
  • Single status certificate or Marriage registration certificate
  • Documents showing you receive a regular income
  • Certificates of real estate ownership
I have an old Toyota car; can I use it as collateral for consumer loan?

Yes, you can pledge your car no matter how old for a consumer loan. The value of the loan will be determined by your car's value.

Can I use a Certificate of Land Use Right registered under the name of another person as collateral?

Yes, all you need is for that person to endorse you by submitting an endorsement form and a copy of their National ID card to the loaning bank branch.

How is the interest payment calculated if I settle the loan before maturity?

You only need pay a fee equivalent to 1% of the advance settlement amount. This amount can be confirmed by your bank’s Loans Manager.

I don’t have a regular monthly income so I cannot take out mortgage. Is there any other method to pay off the loan?

You don't need a monthly income. We offer various repayment methods for you to choose from. In this case, you can pay off the interest on a monthly basis and the principal on a quarterly or semi-annually basis. We can discuss what is the ideal repayment schedule with you when you apply for your loan.

If I pledge my house, do I have to purchase a fire insurance policy for it?

Yes, the fire insurance will not only insure the bank’s mortgage, but also insures your own assets against damage.

Business Loan
My shop doesn’t have Certificate of business license, can I apply for a loan to increase capital?

If your shop has been operating for over 01 year, have stable income and other requirements met, TPBank can still authorize the loan for a shop without Certificate of business license

I want to borrow 01 billion VND to rent land for factory, what is the maximum term?

Maximum term with fixed assets investment is 60 months.

My restaurant business has been operating well for 5 years. Now I want to borrow 700 million VND to open another restaurant, what is the required documents?

You need to provide these documents:

1.Personal documents: National ID/Passport, Family register, Certificate of marriage...

2.Documents of collaterals: certificate of land use rights

3.Documents evidencing the income of the business household: certificate of business license, ledger or receipts of nearest 3 months, contract with partner,…

My shop has been operating for 2 years. Now I want to apply for a loan to expand business, what are the loan methods?

Our bank has many loan methods for you to choose:

- Instalments: one time disbursement, instalments of capital  and  interest.

- By limit: disbursed many times, a promissory note is created each time.

- Overdraft: you can overdraft your current account within issued limit.

For more information, please visit TPBank’s branches to be consulted.

I’m doing furniture business, and want to borrow money to invest in my shop, can I use my brother’s Certificate of Land Use Rights as collateral?

If your business meets requirements of Evaluation, you can use your brother’s real estate as collateral.

Home business is being operated by me but my father's name is still on Certificate of Business License as owner, can I apply for this loan product?

No. If you want to apply for Business Loan, you need to register as a owner on Certificate of Business License.

I want to apply for a loan in order to expand my Food Home business. Can I pledge the car which I own?

No. With the purpose of increasing capital for business, you will need collateral as real estate or Passbook/Valuable paper. In this case, you can apply for Secured Overdraft product.

I have been doing shoes business for 5 years without Certificate of Business License. Will TPBank fund my business with the purpose of increasing capital?

Yes. You can borrow 500 million VND maximum if you don't have Certificate of Business License. If you want to borrow over 500 million VND, you will need to apply for Certificate of Business License.

I am living in Hanoi but doing hotel business in Hoa Binh. Can I apply for a loan to expand my business?

No. The condition of Business loan for increasing capital purpose is that your business must operate in the area where TPBank has branch.

Me and my wife have income from salary of 40 million VND/month. I want to borrow 400 million VND to open a household goods shop. Can TPBank fulfil my request?

In this case, TPBank can not approve your loan application because Business loan product requires operating period of 6 months minimum. You can apply for Secured Overdraft product.

My collateral is Certificate of Land Use Right registered under the name of another person, what procedures do I have to complete?

The Endorser in this case must conduct the endorsement procedure for you by submitting endorsement form and a copy of Endorser’s ID to the Bank.

In case I use my house as collateral, do I have to purchase fire insurance policy for my house?

Yes, the fire insurance does not only insure the Bank’s mortgage but also insures your own benefit.

Non-secured Overdraft
How the interest is calculated if I use this product?

Monthly interest will be calculated based on  actual limit and actual day of loan usage( for example, if you are issued limit of 100 million VND but only use 50 million VND in 10 days than the interest is calculated only based on 50 million VND and 10 days, the interest will be debit into your overdraft account)

Which types of personal account overdraft do TPBank have?

TPBank has two types of personal account overdraft: secured overdraft(car, real estate, Passbook/Valuable paper/Certificate of gold kept) and non-secured overdraft

When can I repay the principal and interest?

You can repay into overdraft account at any time within overdraft term issued. However, at the end of limit issued term, you have to repay all debit balance in order to make overdraft account balance ≥ 0

How is the interest rate calculated?

The interest rate is calculated based on the actual days and amount of the loan. Interest is calculated daily and automatically by TPBank system, and is recorded on 25th of each month. In case you get the overdraft and repayment in the same day, no charge is applied.

I want to apply for TPBank Non-secured overdraft, which documents do I need to provide?

You will need to provide these documents:

1.Personal documents: National Id, Family register
2.Loan application
3.Income documents: Labour contract,  Appoint decision

Which ATM posts can I withdraw money from?

You can withdraw your overdraft from all the ATMs of TPBank and other banks in the network system of TPBank

My company is currently paying salary via TPBank account, however I have been working at the company for 1 month, can I apply for the loan?

No. The product requires minimum working time at the company of 3 months.

Secured Overdraft
How the interest is calculated if I use this product?

Monthly interest will be calculated based on  actual limit and actual day of loan usage( for example, if you are issued limit of 200 million VND but only use 50 million VND in 10 days than the interest is calculated only based on 50 million VND and 10 days, the interest will be debit into your overdraft account)

Which types of personal account overdraft do TPBank have?

TPBank has two types of personal account overdraft: secured overdraft(car, real estate, Passbook/Valuable paper/Certificate of gold kept) and non-secured overdraft

When can I repay the principal and interest?

You can repay into overdraft account at any time within overdraft term issued. However, at the end of limit issued term, you have to repay all debit balance in order to make overdraft account balance ≥ 0

How is the interest rate calculated?

The interest rate is calculated based on the actual days and amount of the loan. Interest is calculated daily and automatically by TPBank system, and is recorded on 25th of each month. In case you get the overdraft and repayment in the same day, no charge is applied.

I have been in restaurant business for 5 years with good result. I want to apply for an overdraft loan of 400 million VND, can you consult me about the documents required?

You will need to provide these documents:

1. Personal documents: National ID, Family register, Marriage Certificate,...

2. Collateral documents: Certificate of Land Usage Rights

3. Income documents: Certificate of business license, ledger or receipts of recent 3 months, contract with partners if possible

Which ATM posts can I withdraw money from?

You can withdraw your overdraft from all the ATMs of TPBank and other banks in the network system of TPBank

I want to apply for an overdraft loan of 500 million VND but I do not have any collateral, can I use my brother’s car as collateral instead?

No. TPBank does not accept third party’s car as guarantee collateral. How ever, TPBank accept third party’s real estate as collateral, including: parent’s, child’s, sibling’s

Term of personal account overdraft?

Non-secured overdraft: maximum term is 12 months.
Secured overdraft with car as collateral: maximum term is 36 months and real estate as collateral: maximum term is 48 months.
Secured overdraft with  Passbook/Valuable paper/Certificate of gold kept as collateral: maximum term is 12 months .

Non-secured Consumer Loan
My company is paying salary via TPBank account, what is the limit amount of Non-secured loan that I can get?

You can apply for two loan products:  Non-secured Overdraft and Non secured Consumer Loan, however, sum of the limit of both products should not exceed 200 million VND and limit for each products should not exceed 100 million VND

Do TPBank regulate the capital using purpose of Non-secured consumer loan?

You can use Non-secured consumer loan for legal consumer purpose without proving your capital using purpose to TPBank.

When can I repay principal and interest?

TPBank will decide repayment date base on customer’s money flow, normanny the 25th of each month

Is salary required to be paid via TPBank?

Salary payment via TPBank is not required; however, Loan application preparation process would be more simple if happens.

I want to apply for TPBank Non-secured Consumer Loan, which documents do I need to provide?

You will need to provide these documents:

1.Personal documents: National Id, Family register
2.Loan application
3.Income documents: Labour contract,  Appoint decision

I am a teacher at a Secondary school in Hanoi but receiving salary payment by cash, can I applied for this product?

No. Non-secured Consumer loan product is applied for State administrative staffs with salary payment via bank account or business staffs with salary payment via TPBank account

Loan Secured by Valuable Papers
If I mortgage savings book and valuable papers at bank, am I able to enjoy the interest payment from them as normal?

While being mortgaged at bank, your savings book and valuable papers still pay interest as normal.

How the fee of loan settlement prior to maturity is calculated?

If you choose to settle the loan prior to maturity, you do not have to pay any charge for this transaction.

I don’t have a regular monthly income so I cannot take out mortgage. Is there any other method to pay off the loan?

You can choose to pay off capital and interest at maturity

Loan Secured by Saving Books
Where can I apply for Loan Secured by Saving Books?

You can apply for Loan Secured by Saving Books at TPBank branches.

How can I activate the Loan Secured by Saving Books limit?

You can activate by calling hotline or via TPBank eBank service.

Where can I withdraw money after Loan Secured by Saving Books is approved?

You can make account transfer/withdraw cash at ATM/ withdraw cash at TPBank counter from issued advanced limit account.

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