Shinhan Bank

Introduction

Maximize Account is a solution that automatically optimizes idle funds in your Shinhan demand account (*) to earn interest on a monthly basis, without affecting your daily transaction needs.

Once activated, the system automatically identifies the portion of your balance exceeding the registered threshold and transfers it to an interest-optimization mode. This allows the funds in your account to earn interest more effectively, while remaining readily available for transfers and payments whenever needed.

(*) Eligible Shinhan demand accounts are listed below:

NO	Product name
1	Demand Deposit
2	U-Dream Demand Deposit
3	Payroll Account
4	PWM Account
5	4E Student Account
6	S-Payroll Account
7	Online Demand Deposit Account
8	SOHO MMDA Account

Eligible customers

Individuals (Vietnamese citizens, foreigners), households and private enterprises that open new or already have eligible Shinhan demand account.

How it works

Step 1: Select Your Registered Threshold
Customers select one of the following threshold levels: VND 10 million/30 million/50 million/100 million.

Step 2: Automated Daily Processing

- 08:30: Automatically converts the portion of your balance exceeding the threshold into the optimized mode to earn interest.

- 14:00: Automatically tops up the balance to maintain the registered threshold

- The optimized funds remain available for withdrawals, transfers, and payments at any time.

- Interest is recorded based on the actual number of days maintained within the monthly cycle

A. Interest rates & Registration Thresholds (*)

Registration Threshold (VND)	Interest Rate
10 million	4.1% p.a
30 million	4.2% p.a
50 million	4.3% p.a
100 million	4.5% p.a

(*) Interest rates are annualized on a 365-day basis and may be adjusted according to the Bank's prevailing policies.

B. Maximum Optimized Balance (**)

Registration Threshold (VND)	Maximum Optimized Amount (VND)
10 million	100 million
30 million	200 million
50 million	300 million
100 million	500 million

(**) Information may be adjusted according to the Bank’s prevailing policies.

Key Benefits

Automatic interest optimization
With a one-time registration, the system automatically converts idle funds into a suitable interest-earning mode, with no manual action required.

Flexible 24/7 transactions
Customers can still use their available balance for transfers, payments, or withdrawals at any time.

Smart withdrawals
When customers need to use their funds, the system automatically prioritizes the most recently optimized amounts first, helping reduce the impact on the interest-earning efficiency of the remaining funds.

Easy tracking and management
Optimized funds are displayed under a single balance within the Maximize Account, making it easier for customers to monitor and manage their money.

User guide

Please click here to find out more.

Terms and Conditions apply