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Deposits

Description:

This type of saving account is suitable for general people or entity who have regular income and seeking for funding working capital. This type of saving is safe and convenient terms of payment for good and services through our bank cheque instead of paying by cash.

Benefit:

  • Liquid cash flow for business operation, reduce risk in keeping big chunk of cash on hand.
  • Use cheque as a mean of payment for consumption good and services instead of cash.
  • Can transfer, withdraw and deposit during working day in any service unit of APB throughout the country.
  • Able to transfer money to other saving account locally and internationally (in accordance with APB condition)
  • Can issue ATM card and secondary card to operate some transaction via our ATM such as: balance inquiry, exchange rate and transfer between accounts.
  • Can monitor banking transaction as well as ending balance via SMS banking.
  • Be able to use to confirm your financial position.

    • Terms of Service

  • Minimum initial deposit: 100,000 LAK / 2000 THB / 50 USD.
  • Maintenance Fees: 4,000 LAK/ 0.5 USD/ 16 THB Account/Month.
  • If closing the account less than90days from account opening date, a charge will be applied, according to the current Fees Regulations set forth by APB.
  • All cheques transaction such as cash withdraw, transfer, those cheques remain valid 180 days starting from the date of order.
  • Cheque must be clear instructed whether to be cash or under a specific name.
  • In case want to use cheque to withdraw with other commercial bank, the cheque must be certified (visa) by APB’s authorize person first.
  • Cheque will be invalid if content of the cheque have been modified or change such as designation name, account number of receiver, date, amount in number and letter.
  • Do not order cheques with 2 conditions, i.e. a payment company A or Ms. A, pay to Ms. A/Cash.

    • Description:

    Saving accounts suit individuals or corporations who regularly earn a stable income and want to save for short-term goals. This is really convenient for deposits/withdrawals through using passbooks and ATM. In addition, saving accounts also allow customers to make the payments for goods and services, taxes and bills including electricity, water, telephone and Internet.

    Benefits

  • This is an account for savings while the account can provide convenient deposits, withdrawals, transfers and exchange at any APB branches or service units around the country. Account holder can transfers fund from his/her saving account to other banks internationally or locally (accordance with regulation of APB).
  • With your saving account, you can apply for ATM to access your saving account via ATMs. These additional services may allow you to check your account balance, transfers fund inside APB network, balance inquiry, exchange rate and etc.
  • You can monitor your account transactions and balance via SMS banking.
  • Received passbook as evidence to monitor your account.
  • Be able to use to confirm your financial position.

    • Terms of Service:

  • Minimum initial deposit and maintaining balance: 50,000LAK, 200THB, 10 USD.
  • The account holder must keep his/her passbook safe, if loss the holder must inform the bank immediately.
  • The bank will annually pay the interest, 2 times/year: Every 30th June and December, based on the current interest regulation.
  • In case of closing saving account, interest will be calculated in accordance to actual number of saving date.
  • Account holder must give sample signature and payment condition with the Bank on the account opening date so that the Bank will use this as reference for all banking transaction.
  • The passbook is allowed to use only for the account holder, cannot be transferred or exchanged
  • Every time depositing/withdrawing at the counter, the account holder must show their passbook and ID card.
  • The passbook have numbered in each page, it’s not allow to tear, or dirt and to modified any text or number or change the name in any case.
  • Every time depositing/withdrawing, the account holder must check his/her account balance and count money carefully, if anything wrong the holder must inform the bank immediately to solve it.
  • If the account holder cannot withdraw at the counter by himself/herself, the holder must write a power of attorney letter to allow someone who will act on the holder’ behalf. The power of attorney letter should include date, representative name, amount, A/c name & number with a signature of the account holder recognized by the bank. Also, the holder must give his/her passbook and ID/passport to that representative. The representative also need to bring her ID card as well.

    • Description:

  • This suits everyone who earn big income but not yet have plan to spend in the current day. The fixed-term account is one of risk-free investments with a high interest rate over a specified period that you can opt and plan your financial investments. This suits everyone who want to earn more incomes from a safe investment.
  • The term are: 3 months, 6 month, 12 months, 24 months, 36 months, 48 months and 60 months.
  • Currency in LAK, USD, THB.

    • Benefits:

  • This account provides a stable income from a high and fixed-interest rate over a specified period that you can choose.
  • Can be used as collateral for a loan from bank and financial institute.
  • The bank will automatically renewed the fixed term deposit after the due date. Interest rate will be based on the current interest regulation of APB.

    • Terms of Service:

  • 1. Opening a fixed deposit account is minimum: 500,000 LAK, 100 USD, and 2,000 THB.
  • 2. For fixed-term accounts 3, 6, 12 months deposits, bank will pay interest one time only at the due date. For 24, 36, 48, 60 months deposits, interest will be paid at the due date, monthly, quarterly.
  • 3. Be able to receive the fixed interest by automatically transferring to your saving account or current account based on the initial agreement.
  • 4. If you want to close the account before the due date, deposit less than 30 days, from account opening date, interest will not be paid. If more than 30 days, the fixed interest will be paid as same as savings account interest rate and calculate on daily basis. The bank will also collect back the interest was paid in advance with other charges as state in the bank regulation.
  • 5. The account holder must keep his/her passbook safe, if loss the holder must inform the bank immediately.
  • 6. Account holder must give sample signature and payment condition with the Bank on the account opening date so that the Bank will use this as reference for all banking transaction.
  • 7. The passbook is allowed to use only for the account holder, cannot be transferred or exchanged.
  • 8. Every time depositing/withdrawing at the counter, the account holder must show their passbook and ID card.
  • 9. The passbook have numbered in each page, it’s not allow to tear, or dirt and to modified any text or number or change the name in any case.
  • 10. Every time depositing/withdrawing, the account holder must check his/her account balance and count money carefully, if anything wrong the holder must inform the bank immediately to solve it.
  • 11. If the account holder cannot withdraw at the counter by himself/herself, the holder must write a power of attorney letter to allow someone who will act on the holder’ behalf. The power of attorney letter should include date, representative name, amount, A/c name & number with a signature of the account holder recognized by the bank. Also, the holder must give his/her passbook and ID/passport to that representative. The representative also need to bring her ID card as well.
    • Currency Buying Selling
    USD 21,558 21,984
    THB 652.00 665.00
    CNY 2,900 2,957
    EUR 23,858 24,092
    VND 0.81 0.85
    Date: 04-10-2024 More detail »

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