Attractive interest rates

Preferential rates exclusively for this product.

Automatic savings

Automatically transfer idle funds to savings at the end of each day.

Flexible spending

Enjoy seamless spending anytime, anywhere.

    • The Smart Invest Account helps you optimize interest on your current account through automatic daily savings deposits and withdrawals, while still ensuring flexible spending anytime, anywhere.
    • With just one registration, BIDV will help you:
    • - Flexible spending: Freely pay and shop using your total balance, including the automatic savings balance (*).
    • - Automatic deposit: At the end of the day, if your current account balance exceeds the Smart Invest Threshold you set, BIDV will transfer the excess to an automatic savings account to generate returns.
    • - Automatic withdrawal: At the end of the day, if your current account balance falls below the Threshold, funds will be automatically withdrawn from the savings account to the current account to ensure uninterrupted spending.
    • (*) Note:
    • From 00:00 to 21:59: You can spend using your total account balance (including automatic savings).
    • From 22:00 to 23:59: You can only spend within your Threshold amount (excluding automatic savings).
  • Automatic daily savings deposits.
  • Flexible spending anytime, anywhere.
  • Attractive returns with preferential interest rates exclusively for current accounts activating the product and the automatic savings deposits.
  • Simply register via BIDV SmartBanking or directly at any BIDV branch/transaction office nationwide to start optimizing returns on your idle funds.
  • 1. Is there any fee for activating and using the Smart Investment Account?
  • No fee. You only need to activate it once to use the product.
  • 2. What is the Smart Investment Threshold on the current account? Can I spend from this amount?
  • - The Threshold is the benchmark for BIDV to support transferring your excess funds into automatic savings at the end of each day.
  • - You can fully spend from this balance anytime.
  • 3. How does the “automatic savings deposit” mechanism work?
  • At the end of each day (22:00), BIDV’s system automatically transfers the balance exceeding the Threshold (in multiples of VND 1 million) from your current account to savings.
  • 4. How does the “automatic savings withdrawal” mechanism work?
  • At the end of each day (22:00), if needed, BIDV’s system will automatically withdraw your savings before maturity and transfer both principal and interest back to your current account to ensure the Threshold is maintained.
  • 5. How is the investment return calculated?
  • - Automatic savings deposits with a 1-month term enjoy preferential term deposit rates if maintained for a full month (depending on customer segmentation and the amount deposited each time).
  • - However, if withdrawn before maturity for spending, the withdrawn portion only earns the lowest non-term deposit rate that BIDV applies to retail customers.

Account 01/01/2026

UNPRECEDENTED OFFERS FOR HOUSEHOLD BUSINESSES & SMALL TRADERS
Account 01/01/2026

UNPRECEDENTED OFFERS FOR HOUSEHOLD BUSINESSES & SMALL TRADERS
19009247 (Personal) 19009248 (Business)
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