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Giấy phép số 4978/GP-TTĐT do Sở Thông tin và Truyền thông Hà Nội cấp ngày 14 tháng 10 năm 2019 / Giấy phép SĐ, BS GP ICP số 2107/GP-TTĐT do Sở TTTT Hà Nội cấp ngày 13/7/2022.
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Vietcombank has launched online fixed deposit certificates on the VCB Digibank platform, offering interest rates of up to 7.9% per year. The product is designed to allow customers to purchase certificates digitally without visiting a branch, and to receive an electronic certificate of ownership by email after completing a transaction.
Vietcombank’s online fixed deposit certificates are available with two main tenors:
Each certificate has a face value of 100,000 VND and is issued on the VCB Digibank digital platform.
Customers can buy fixed deposit certificates at any time and from anywhere through VCB Digibank. After the transaction is completed, customers receive an electronic certificate of ownership via email to support asset management and tracking.
Under the product terms, fixed deposit certificates cannot be redeemed before maturity. However, Vietcombank’s online fixed deposit certificates can be sold back to VCBS if customers need funding.
The resale process can be completed online directly on VCB Digibank, providing customers with additional flexibility in managing cash flow.
Customers can also:
Online purchases of fixed deposit certificates on VCB Digibank are available from 06:00 to 21:00 on business days, excluding holidays.
Ownership transfers of online fixed deposit certificates can be conducted from 09:00 to 15:00 on business days, excluding holidays.
A fixed deposit certificate is a form of deposit structured as a negotiable instrument. It evidences the bank’s obligation to repay the depositor within a defined term, including the agreed interest terms and related conditions.

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