Depositing at NCB: Secure Returns and Prosperity at the Beginning of the Year

Kicking off the Year of the Horse, the National Citizen Commercial Joint Stock Bank (NCB) has introduced a range of flexible savings products together with attractive early-year incentives, providing customers with effective return-generating solutions and sustainable asset value growth.

According to market data as of the end of 2025, deposit balances at many banks recorded positive growth. Agribank led the system with VND 2.35 quadrillion, increasing significantly from VND 1.9 quadrillion at the end of 2024; followed by BIDV with VND 2.2 quadrillion. Among private joint stock commercial banks, NCB achieved an impressive growth of 33% in total customer deposit balances compared to the end of 2024. This reflects that the preference for safe and stable channels remains a priority choice for many people.

In particular, in the context where interest rates remain competitive, savings deposits are no longer merely a safe return-generating solution but are gradually becoming an important part of the personal financial management plans of many families.

Savings remain a safe and stable investment channel chosen by many customers

Capturing the increasingly diverse savings needs and accompanying customers in proactively and comprehensively managing their cash flows and assets, the National Citizen Commercial Joint Stock Bank (NCB) focuses on developing a savings product system in a flexible manner, suitable for different financial objectives.

Customers can choose to deposit at the counter or deposit online via the NCB iziMobile application with competitive interest rates, a streamlined process and high convenience. NCB offers multiple tenors ranging from 1 week to 60 months, enabling customers to proactively select options suitable for their personal financial plans.

The product portfolio is designed with a wide range of offerings including: Traditional Savings, An Phu Savings, Flexible Principal Withdrawal Savings, Accumulated Savings and Electronic Savings. Each product is designed to optimize returns and savings purposes while ensuring flexibility in the use and management of cash flows. In particular, the online deposit option enables customers to conduct transactions anytime and anywhere, enhancing convenience in the digital era.

Welcoming early-year prosperity, from now until 28 February 2026, NCB is launching the program “Phu Quy Savings – Receive Prosperity and Well-being” for customers depositing from VND 200 million with tenors of 6 months or more. Accordingly, customers will receive lucky draw codes to participate in weekly prize draws with the opportunity to receive Sun PhuQuoc Airways flight vouchers worth VND 2 million; each customer may receive up to 3 vouchers and redeem them directly on the NCB iziMobile application.

Customers depositing savings at NCB have the opportunity to receive gold purchase vouchers worth up to VND 50 million

The Bank also offers gold purchase vouchers with a total value of up to VND 50 million for 15 customers recording the highest increase in deposit balances during the period from 30 November 2025 to 28 February 2026.

The program not only marks a prosperous start to the new year but also encourages customers to build a sustainable financial foundation for the future. Along with the development of flexible savings products, NCB continues to innovate and enhance its digital financial service ecosystem, aiming to provide comprehensive financial management solutions for customers. Through this, the Bank accompanies customers in increasing asset value at each stage and keeping pace with the increasingly professional financial management trends in the market.

For more information, customers may visit the NCB website at https://www.ncb-bank.vn, contact NCB transaction offices/branches nationwide or call the Hotline (028) 38 216 216 - 1800 6166.