In order to increase the profitability of customers' idle funds, Bank of China (Hong Kong) Limited Ho Chi Minh City Branch provides time deposit products, so that customers can safely save for the future. Customers can agree on a time deposit period with the Bank to obtain higher interest returns than demand deposits.

• Vietnamese citizens.
• Foreign individuals permitted to reside in Vietnam for at least 6 months.
• Organizations established in Vietnam.

1. Individual Customer
   
   
   • Valid personal documents, visa (for foreigners).
   • Time deposit agreement. (Form provided by the bank)
      
2. Corporate Customer
   
   
   • Certificates of deposit for Corporate Customers.
   • Time deposit agreement. (Form provided by the Bank)

Transfer between Customer current account and time deposit account.

1. Individual Customer
   Step 1: The customer submits the required materials for the business through the counter. (Vietnamese citizens can open or close time deposits through online/mobile banking, and foreign individual can close time deposits through online/mobile banking)
   Step 2: The Bank will hand over the relevant documents to the customer after completing the transaction.
   
   
2. Corporate Customer
   Step 1: The customer submits the required materials for the business through the counter or online banking.
   Step 2: The Bank will hand over the relevant documents to the customer after completing the transaction.

Partial early withdrawal is not possible, only the full amount of the deposit can be withdrawn in advance.