{"id":93495,"date":"2025-04-17T08:30:14","date_gmt":"2025-04-17T01:30:14","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/deposit-account-la-gi\/"},"modified":"2025-04-18T10:08:56","modified_gmt":"2025-04-18T03:08:56","slug":"deposit-account-la-gi","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/deposit-account-la-gi\/","title":{"rendered":"Deposit Account L\u00e0 G\u00ec? 3 Lo\u1ea1i Deposit Account \u0110\u01b0\u1ee3c \u01afa Chu\u1ed9ng Hi\u1ec7n Nay"},"content":{"rendered":"\n
Deposit Account l\u00e0 g\u00ec<\/a>? Deposit Account hay t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n t\u00e0i ch\u00ednh quan tr\u1ecdng, gi\u00fap b\u1ea3o v\u1ec7 v\u00e0 sinh l\u1eddi cho kho\u1ea3n ti\u1ec1n c\u1ee7a b\u1ea1n ngay t\u1eeb nh\u1eefng ng\u00e0y \u0111\u1ea7u ti\u00ean. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd cung c\u1ea5p cho b\u1ea1n nh\u1eefng th\u00f4ng tin chi ti\u1ebft v\u1ec1 Deposit Account.<\/p>\r\n M\u1ee5c l\u1ee5c<\/p> Deposit ti\u1ebfng Anh l\u00e0 g\u00ec? <\/i><\/p>\r\n Deposit Account, hay t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 l\u01b0u gi\u1eef ti\u1ec1n c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p, v\u1edbi kh\u1ea3 n\u0103ng t\u00edch l\u0169y l\u00e3i su\u1ea5t t\u00f9y theo m\u1ee9c s\u1ed1 d\u01b0 v\u00e0 th\u1eddi gian g\u1eedi. Lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, \u0111\u01b0\u1ee3c xem l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n an to\u00e0n v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/p>\r\n T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p l\u01b0u tr\u1eef ti\u1ec1n b\u1ea1c an to\u00e0n, \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi t\u00ednh b\u1ea3o m\u1eadt cao. Kh\u00e1c v\u1edbi t\u00e0i kho\u1ea3n v\u00e3ng lai, t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n l\u01b0u tr\u1eef s\u1ed1 ti\u1ec1n m\u1ed9t c\u00e1ch an to\u00e0n m\u00e0 c\u00f2n cho ph\u00e9p b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t d\u1ef1a tr\u00ean s\u1ed1 d\u01b0 v\u00e0 th\u1eddi gian l\u01b0u gi\u1eef ti\u1ec1n. \u0110i\u1ec1u n\u00e0y gi\u00fap khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng h\u1ea1n ch\u1ebf r\u00fat ti\u1ec1n ti\u1ec7n l\u1ee3i v\u00e0 t\u0103ng kh\u1ea3 n\u0103ng t\u00edch l\u0169y t\u00e0i s\u1ea3n theo th\u1eddi gian.<\/p>\r\n Xem th\u00eam: <\/strong> Current Account l\u00e0 g\u00ec<\/strong><\/a>? <\/strong><\/p>\r\n Ng\u01b0\u1eddi s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c h\u01b0\u1edfng nhi\u1ec1u quy\u1ec1n l\u1ee3i thi\u1ebft th\u1ef1c. Ngo\u00e0i vi\u1ec7c b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n an to\u00e0n d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, b\u00ean c\u1ea1nh \u0111\u00f3, Deposit Account gi\u00fap ng\u01b0\u1eddi d\u00f9ng t\u00edch l\u0169y l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn so v\u1edbi t\u00e0i kho\u1ea3n v\u00e3ng lai, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho vi\u1ec7c t\u0103ng tr\u01b0\u1edfng t\u00e0i s\u1ea3n theo th\u1eddi gian. H\u01a1n n\u1eefa, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 hi\u1ec7n \u0111\u1ea1i nh\u01b0 Internet Banking v\u00e0 Mobile Banking cho ph\u00e9p b\u1ea1n d\u1ec5 d\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 an to\u00e0n, \u0111\u1ed3ng th\u1eddi gi\u00fap qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 th\u00f4ng qua c\u00e1c b\u00e1o c\u00e1o giao d\u1ecbch chi ti\u1ebft v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 theo d\u00f5i s\u1ed1 d\u01b0. Cu\u1ed1i c\u00f9ng, nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f2n cung c\u1ea5p d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh mi\u1ec5n ph\u00ed, gi\u00fap kh\u00e1ch h\u00e0ng t\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i \u00edch t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi.<\/p>\r\n Hi\u1ec7n nay, tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u00f3 nhi\u1ec1u lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00e1c nhau, m\u1ed7i lo\u1ea1i c\u00f3 \u0111\u1eb7c \u0111i\u1ec3m, l\u1ee3i \u00edch v\u00e0 h\u1ea1n ch\u1ebf ri\u00eang bi\u1ec7t. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng ph\u00e2n lo\u1ea1i ph\u1ed5 bi\u1ebfn nh\u1ea5t:<\/p>\r\n Deposit Account kh\u00f4ng k\u1ef3 h\u1ea1n (ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n) l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh cho nh\u1eefng giao d\u1ecbch th\u01b0\u1eddng xuy\u00ean, cho ph\u00e9p ng\u01b0\u1eddi s\u1eed d\u1ee5ng r\u00fat ti\u1ec1n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf v\u1ec1 th\u1eddi gian.<\/p>\r\n Deposit Account c\u00f3 k\u1ef3 h\u1ea1n l\u00e0 h\u00ecnh th\u1ee9c g\u1eedi ti\u1ec1n v\u1edbi m\u1ed9t kho\u1ea3ng th\u1eddi gian c\u1ed1 \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ed1ng nh\u1ea5t tr\u01b0\u1edbc \u0111\u00f3. Ng\u01b0\u1eddi g\u1eedi cam k\u1ebft kh\u00f4ng r\u00fat ti\u1ec1n trong su\u1ed1t th\u1eddi gian g\u1eedi \u0111\u1ec3 h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n.<\/p>\r\n T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c g\u1eedi ti\u1ec1n ch\u1ee7 y\u1ebfu nh\u1eb1m t\u00edch l\u0169y t\u00e0i ch\u00ednh v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c linh ho\u1ea1t, bao g\u1ed3m ti\u1ebft ki\u1ec7m th\u01b0\u1eddng, ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n.<\/p>\r\n V\u00ed d\u1ee5, l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n 6 th\u00e1ng t\u1ea1i ng\u00e2n h\u00e0ng ABC c\u00f3 th\u1ec3 l\u00e0 6%\/n\u0103m, trong khi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n ch\u1ec9 \u0111\u1ea1t kho\u1ea3ng 2%\/n\u0103m v\u00e0o \u0111\u1ea7u n\u0103m 2025.<\/p>\r\n Xem th\u00eam: Saving Account l\u00e0 g\u00ec? <\/strong><\/p>\r\n Deposit Account l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh ph\u1ed5 bi\u1ebfn, gi\u00fap ng\u01b0\u1eddi d\u00f9ng ti\u1ebft ki\u1ec7m v\u00e0 sinh l\u1eddi t\u1eeb s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i. Tuy nhi\u00ean, b\u00ean c\u1ea1nh nh\u1eefng l\u1ee3i \u00edch, lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y c\u0169ng t\u1ed3n t\u1ea1i m\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf c\u1ea7n c\u00e2n nh\u1eafc.<\/p>\r\n Deposit Account mang l\u1ea1i nhi\u1ec1u \u01b0u \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i bao g\u1ed3m:<\/p>\r\n M\u1ed9t s\u1ed1 nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a Deposit Account nh\u01b0 sau:<\/p>\r\n T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c l\u01b0u tr\u1eef v\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng, gi\u00fap kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch m\u1ed9t c\u00e1ch an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng lo\u1ea1i c\u1ee5 th\u1ec3, nh\u01b0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi thanh to\u00e1n hay ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n.<\/p>\r\n \u0110\u1ec3 m\u1edf m\u1ed9t Deposit Account (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi), b\u1ea1n c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc sau:<\/p>\r\n Trong qu\u00e1 tr\u00ecnh m\u1edf t\u00e0i kho\u1ea3n, n\u1ebfu c\u00f3 th\u1eafc m\u1eafc v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c c\u1ea7n t\u01b0 v\u1ea5n, h\u00e3y y\u00eau c\u1ea7u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n hi\u1ec3u \u0111\u1ea7y \u0111\u1ee7 s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh \u0111ang l\u1ef1a ch\u1ecdn.<\/p>\r\n Khi s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 quy\u1ec1n r\u00fat ti\u1ec1n v\u00e0 t\u00ednh to\u00e1n l\u00e3i su\u1ea5t:<\/p>\r\n Xem th\u00eam: Checking Account l\u00e0 g\u00ec? <\/strong><\/p>\r\n C\u01a1 h\u1ed9i ngh\u1ec1 nghi\u1ec7p r\u1ed9ng m\u1edf trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam <\/i><\/p>\r\n Ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, t\u1ea1o ra nhi\u1ec1u c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m h\u1ea5p d\u1eabn cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111am m\u00ea v\u00e0 ki\u1ebfn th\u1ee9c v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. Theo s\u1ed1 li\u1ec7u t\u1eeb n\u0103m 2024, th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e3 ghi nh\u1eadn m\u1ee9c t\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh v\u1edbi h\u00e0ng ngh\u00ecn v\u1ecb tr\u00ed vi\u1ec7c l\u00e0m m\u1edbi \u0111\u01b0\u1ee3c m\u1edf ra h\u00e0ng n\u0103m. D\u1ef1 ki\u1ebfn \u0111\u1ebfn n\u0103m 2025, s\u1ed1 l\u01b0\u1ee3ng vi\u1ec7c l\u00e0m trong ng\u00e0nh n\u00e0y s\u1ebd t\u0103ng th\u00eam 8% do s\u1ef1 m\u1edf r\u1ed9ng c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1.<\/p>\r\n C\u00e1c v\u1ecb tr\u00ed c\u00f4ng vi\u1ec7c ph\u1ed5 bi\u1ebfn li\u00ean quan \u0111\u1ebfn qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi bao g\u1ed3m:<\/p>\r\n N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, h\u00e3y c\u1eadp nh\u1eadt th\u00f4ng tin v\u00e0 k\u1ef9 n\u0103ng c\u1ee7a m\u00ecnh \u0111\u1ec3 thu\u1eadn l\u1ee3i trong qu\u00e1 tr\u00ecnh \u1ee9ng tuy\u1ec3n. Nhi\u1ec1u v\u1ecb tr\u00ed vi\u1ec7c l\u00e0m \u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i tr\u00ean c\u00e1c trang Web tuy\u1ec3n d\u1ee5ng uy t\u00edn nh\u01b0 JobsGO, n\u01a1i cung c\u1ea5p th\u00f4ng tin tuy\u1ec3n d\u1ee5ng ch\u00ednh x\u00e1c v\u00e0 \u0111a d\u1ea1ng cho m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng \u1ee9ng vi\u00ean.<\/p>\r\n T\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u lo\u1ea1i kh\u00e1c nhau, m\u1ed7i lo\u1ea1i ph\u1ee5c v\u1ee5 nh\u1eefng m\u1ee5c \u0111\u00edch v\u00e0 nhu c\u1ea7u ri\u00eang bi\u1ec7t c\u1ee7a kh\u00e1ch h\u00e0ng. Hai lo\u1ea1i t\u00e0i kho\u1ea3n ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 Deposit Account v\u00e0 Current Account. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 s\u1ef1 ph\u00e2n bi\u1ec7t chi ti\u1ebft gi\u1eefa hai lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y:<\/p>\r\n1. Deposit Account L\u00e0 G\u00ec?<\/strong><\/span><\/h2>\r\n\r\n
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2. Quy\u1ec1n L\u1ee3i C\u1ee7a Ng\u01b0\u1eddi G\u1eedi Ti\u1ec1n <\/strong><\/span><\/h2>\r\n
3. C\u00e1c Lo\u1ea1i Deposit Account <\/strong><\/span><\/h2>\r\n
3.1. Deposit Account Kh\u00f4ng K\u1ef3 H\u1ea1n <\/strong><\/span><\/h3>\r\n
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3.2 Deposit Account C\u00f3 K\u1ef3 H\u1ea1n <\/strong><\/span><\/h3>\r\n
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3.3 T\u00e0i Kho\u1ea3n Ti\u1ebft Ki\u1ec7m <\/strong><\/span><\/h3>\r\n
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4. \u01afu \u0110i\u1ec3m V\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m C\u1ee7a Deposit Account <\/strong><\/span><\/h2>\r\n
4.1 \u01afu \u0111i\u1ec3m <\/strong><\/span><\/h3>\r\n
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4.2 Nh\u01b0\u1ee3c \u0110i\u1ec3m <\/strong><\/span><\/h3>\r\n
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5. C\u00e1ch Th\u1ee9c Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a Deposit Account <\/strong><\/span><\/h2>\r\n
5.1 Quy Tr\u00ecnh M\u1edf T\u00e0i Kho\u1ea3n <\/strong><\/span><\/h3>\r\n
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5.2 Quy\u1ec1n R\u00fat Ti\u1ec1n V\u00e0 T\u00ednh To\u00e1n L\u00e3i Su\u1ea5t <\/strong><\/span><\/h3>\r\n
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6. C\u01a1 H\u1ed9i Vi\u1ec7c L\u00e0m Trong L\u0129nh V\u1ef1c T\u00e0i Ch\u00ednh Ng\u00e2n H\u00e0ng<\/strong><\/span><\/h2>\r\n\r\n
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7. Ph\u00e2n Bi\u1ec7t Deposit Account Vs Current Account <\/strong><\/span><\/h2>\r\n