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ttb no fixed high interest savings account

The more you deposit, the higher your interest! Interest is calculated on a tiered basis, so your average rate increases with your balance. Withdraw anytime, no deposit limit, that offers flexibility and growth for your financial plans.

Product Highlights

High interest rate

Earn attractive rates with no maximum deposit limit.

Interest calculated monthly, deposit more get more.

Withdraw anytime

Access your savings anytime, anywhere — no withdrawal limits via ttb touch.

Get special bonus interest

Simply spend with eligible investment or insurance products, or enjoy monthly bonus interest if you’re a Platinum or Diamond customer. Bonus applies in next month if any of the conditions are eligible.

Open a high-interest savings account online

Open your account instantly via the ttb touch app, anytime, anywhere with no minimum deposit.

High-Interest Savings Account Rates

ttb-no-fixed

Interest is calculated progressively across deposit tiers. In cases that the conditions for receiving bonus interest are not fulfilled, Customers will receive the standard interest rate in accordance with the Bank’s official announcements.

Interest Rate Tiers (approximate):

Deposit Amount Base Interest
(per year)
With Bonus +0.35%
(per year)
With Bonus +0.25%
(per year)
1 million THB 0.15% 0.50% 0.40%
5 million THB 1.03% 1.38% 1.28%
10 million THB 1.29% 1.64% 1.54%
30 million THB 1.46% 1.81% 1.71%
50 million THB 1.18% 1.53% 1.43%

Example of approximate total interest rate calculation

Interest is calculated based on deposit balance tiers, assuming the maximum bonus rate of +0.35% per year.

Deposit Amount Interest Calculation
(with maximum bonus rate +0.35% per year)
Effective Interest Rate
(per year)
1 million THB (1,000,000*0.50%)/1,000,000 0.50%
5 million THB (1,000,000*0.50%)+(4,000,000*1.60%)/5,000,000 1.38%
10 million THB ((1,000,000*0.50%)+(4,000,000*1.60%)+(5,000,000*1.90%))/10,000,000 1.64%
30 million THB ((1,000,000*0.50%)+(4,000,000*1.60%)+(25,000,000*1.90%))/30,000,000 1.81%
50 million THB ((1,000,000*0.50%)+(4,000,000*1.60%)+(25,000,000*1.90%)+(20,000,000*1.10%))/50,000,000 1.53%

Product details

Account Details

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  • No minimum requirement for initial or next deposit
  • One account per customer (individual or joint).
  • Cannot be used in conjunction with all types of debit card.
  • Unlimited transfers via ttb touch app (except for joint accounts).
  • Not available for ATM use, bill payments, or interbank transfers.
  • Cannot be used for direct debit or as a source account for automatic transfers
  • Available for funds transfer between ttb accounts via ttb touch application without limited times. In case of joint-account, it cannot be used for funds transfer but only for balance enquiry.
  • If the total withdrawal or transfer transactions via Branch Counter exceed 2 times per month (from the 3rd transaction onwards), the Bank will charge additional fee from the normal fee (if any) at the rate of 50 Baht per transaction.
  • Other ttb no fixed transaction fees apart from those waived to the Depositor shall be in accordance with the Bank’s fee rates announcement.

Open an Account / Open account via Mobile Application

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Choose from two convenient ways to open your account:

  • Open online via the ttb touch app (for both new and existing customers)
  • Open at any ttb branch with just your national ID card

For more information, contact ttb contact center 1428 — available 24/7.

Interest Payment

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  • Interest is calculated daily and paid monthly. The bank pays interest on the last day of each month.

Interest Conditions

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Receive normal interest rates based on deposit balance tiers for general customers:

  • Deposit balance ≤ 1 million THB: 0.15% per year
  • Portion exceeding 1 million up to 5 million THB: 1.25% per year
  • Portion exceeding 5 million up to 30 million THB: 1.55% per year
  • Portion exceeding 30 million THB: 0.75% per year

Receive bonus interest of +0.35% (ttb no fixed account) in the following month when meeting any of these conditions:

  1. Customer holds Diamond status in the current month, or
  2. Customer has an average investment value of ≥ 5 million THB in any mutual fund types via ttb in the current month
    • Bonus interest is calculated based on the average fund value:
      (NAV × number of units on allocation date) summed daily ÷ number of days in the month), or
  3. Customer pays the first-year premium of a participating life insurance policy
    • Minimum 500,000 THB per year per policy in the current month
    • Bonus interest applies for up to 12 months
    • Or: If the customer pays a cumulative first-year premium of at least 500,000 THB per year, bonus interest applies until the next annual premium due date
    • The policy must be approved and past the free-look period
    • Eligible life insurance products: ttb Songtor Wealth 99/5, ttb Happy Life Protect, ttb the Treasure Extra, ttb theTreasure Plus, ttb the Treasure Plan 2, ttb Ultimate Legacy 99/3, ttb Happy Retire 90

Receive bonus interest of +0.25% (ttb no fixed account) in the following month when:

  1. Customer holds Platinum status in the current month

In cases where a customer qualifies for more than one bonus condition, only the highest applicable bonus interest rate shall be granted.

In cases that the conditions for receiving bonus interest are not fulfilled, Customers will receive the standard interest rate in accordance with the Bank’s official announcements

Interest rates, terms, and conditions are subject to change in accordance with the Bank’s official announcements.

Application Documents

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  • National ID card

Comparison between ttb no fixed and other accounts

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Details ttb no fixed
Account
Other Savings
Account
Fixed Deposit
(≤ 12 months)
High interest rate

No minimum for account open

withdrawals anytime with no fees

No annual fee if average monthly balance is below 20,000 THB

For existing customers who wish to open a ttb no fixed Account

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Click for account details