Smart Deposit

Smart Deposit

It is medium-term deposit product combined with the account overdraft for corporate customers
Legally-operated enterprises  in Vietnam 

Product Feature

Minimum amount
VND 2 billion
From 15 to 36 months
Interest rate
Competitive and conformable to the regulations of the State Bank of Vietnam
Interest payment period
Combined with the overdraft account, the overdraft limit is up to 100% of the deposit contract value.

Customer benefit

  • Optimize benefit of idle fund with competitive interest rate
  • Deposit contract can be used as collateral for loans and/or guarantee for third parties’ loan at OCB
  • Open deposit contract at any branch and withdraw principal and/or interest at all branches of OCB
  • Enjoy attractive rate with long-term deposit contract. Temporary shortage working capital of enterprises can be resolved by the overdraft utility, which is guaranteed by the deposit contract with maximum overdraft limit up to 100% of the deposit contract value.

Registration procedure

Please kindly fill in the form with your information, we will contact you in soonest time.
Customer support
(84) 28 7305 6678