A. Savings Account

1. Normal Savings Account

Product name	Normal savings account
Benefits	•Withdraw any time with no limits on the number of transactions. •Deposit cash and/or cheque into your account through E-zy Card at any counter of BBL and KBANK free of charge. (Minimum deposit is 10,000 Baht per transaction)
Interest rate (% p.a.)	0.350%* As of 10 October 2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest payment frequency	•Daily basis interest calculation •Paid twice a year, in June and December
Initial deposit amount	1,000 Baht.
Account maintenance fee	50 Baht/ month  (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 1,000 Baht)
Conditions	-
Warning	• Deposit in/withdrawal from account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • The total amount of  Interest income incurred from all savings deposit account with all banks exceed 20,000 Baht will be charged income tax 15% • Issuance of new passbook (for lost) : 100 Baht each • In case there is no account movement for more than 12 consecutive months, the Bank reserves the right to temporarily suspend any transactions until the account owner contacts the Bank
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

2. Hi-Speed Savings Account

Product name	Hi-Speed Savings Account
Benefits	•Withdraw any time with no limits on the number of transactions. •Higher interest rates than a normal savings deposit account. •Deposit cash and/or cheque into your account through E-zy Card at any counter of BBL and KBANK free of charge. (Minimum deposit is 10,000 Baht per transaction)
Interest rate (% p.a.)	0.350% - 0.450% * As of 10 October 2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	Amount  Less than  10,000,000  Baht     0.450% From  10,000,000 Baht upward            0.350%
Interest payment frequency	• Daily basis interest calculation • Paid twice a year, in June and December
Initial deposit amount	10,000 Baht
Account maintenance fee	50 Baht/ month  (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 5,000 Baht)
Condition	1 account per 1 customer.
Warning	• Deposit in/withdrawal from account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • The total amount of  Interest income incurred from all savings deposit account with all banks exceed 20,000 Baht will be charged income tax 15% • Issuance of new passbook (for lost) : 100 Baht each • In case there is no account movement for more than 12 consecutive months, the Bank reserves the right to temporarily suspend any transactions until the account owner contacts the Bank
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

3. Gold Savings Account

Product name	Gold Savings Account
Benefits	•Withdraw any time with no limits on the number of transactions. •Higher interest rates than a Normal savings and a Hi-Speed savings deposit accounts. •Deposit cash and/or cheque into your account through E-zy Card at any counter of BBL and KBANK free of charge. (Minimum deposit is 10,000 Baht per transaction)
Interest rate (% p.a.)	0.350% - 1.000%* As of 10 October  2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	Step-up interest rate that increases according to the amount of deposit. Amount not over 10,000,000 Baht 1.000%. Amount over 10,000,000 Baht 0.350%
Interest payment frequency	•Daily basis interest calculation •Paid twice a year, in June and December
Initial deposit amount	10,000 Baht
Account maintenance fee	50 Baht/ month (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 5,000 Baht)
Condition	•For individual customers only. •1 account per 1 customer. •“For”, “By”, body of persons and all joint accounts (“And”, “Or”) are not allowed.
Warning	• Deposit in/withdrawal from account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • The total amount of  Interest income incurred from all savings deposit account with all banks exceed 20,000 Baht will be charged income tax 15% • Issuance of new passbook (for lost) : 100 Baht each • In case there is no account movement for more than 12 consecutive months, the Bank reserves the right to temporarily suspend any transactions until the account owner contacts the Bank
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	Submit Sales Sheet to customers

4. Online Deposit Account

   Product name	Online Deposit Account
   Benefits	•Withdraw any time with no limits on the number of transactions. •Higher interest rates than all savings deposit account.
   Interest rate (% p.a.)	1.100%*  As of 10 October  2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
   Interest payment frequency	•Daily basis interest calculation •Paid twice a year, in June and December
   Initial deposit amount	No minimum initial deposit amount (but must be more than zero baht)
   Account maintenance fee	None
   Condition	•1 account per 1 customer. •“For”, “By”, body of persons and all joint accounts (“And”, “Or”) are not allowed. •Online Deposit Account can be opened via ICBC Personal Internet Banking or Personal Mobile Banking service (e-Banking Channel) only.
   Warning
   Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
   Other	Submit Sales Sheet to customers

5. Basic Banking Account

   Product name	Basic Banking Account
   Benefits	Withdraw any time with no limits on the number of transactions.
   Interest rate (% p.a.)	0.350%*  As of 10 October  2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
   Interest payment frequency	•Daily basis interest calculation •Paid twice a year, in June and December
   Initial deposit amount	No minimum initial deposit amount
   Account maintenance fee	None (throughout the period of Basic Banking Account status)
   Condition	• Eligible to pen this account are persons holding valid National Welfare Cards or Thai nationals aged 65 and above. • 1 account per 1 customer. • “For”, “By”, body of persons and all joint accounts (“And”, “Or”) are not allowed.
   Warning	• Deposit in/withdrawal from account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • The total amount of Interest income incurred from all savings deposit account with all banks exceed 20,000 Baht will be charged income tax 15%. • The Cardholder shall pay for the fees related to the use of the ICBC Debit Card, at the rate and pursuant to the terms and conditions announced by the Bank.The Bank reserves the right to convert Basic Banking Account to Normal Savings Account.
   Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
   Other	Submit Sales Sheet to customers

6. Green Savings Account

   Product name	Green Savings Account
   Benefits	• Withdraw any time with no limits on the number of transactions. • Higher interest rates than a normal savings deposit account. • A service fee exemption when requesting an account statement.
   Interest rate (% p.a.)	0.450%* As of 10 October  2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
   Interest Rate Detail (% p.a.)	• 0.450% for every deposit amount
   Interest payment frequency	• Daily basis interest calculation • Paid twice a year, in June and December
   Initial deposit amount	No minimum initial deposit amount required
   Account maintenance fee	50 Baht/ month  (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 1,000 Baht)
   Condition	• Green Savings Account is a Savings Account without passbook. • For individual customer only. • 2 accounts per 1 customer. • “For”, “By”, body of persons and all joint accounts (“And”, “Or”) are not allowed. • Customers must apply for Personnel Internet Banking service through the Bank’s website or Mobile Banking Application to view account movements. • Customers must apply for a Debit Card service
   Warning	• Deposit in/withdrawal from account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • The total amount of  Interest income incurred from all savings deposit account with all banks exceed 20,000 Baht will be charged income tax 15% • In case there is no account movement for more than 12 consecutive months or the identity documents, which were provided to the Bank have expired. The Bank reserves the right to suspend any transactions with a prior notice until the account owner contacts the Bank.
   Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
   Other	Submit Sales Sheet to customers

B. Current Account

1. Normal Savings Account

Product name	Normal Current Account
Benefits	• Convenient payments by using cheques • No limit for cheque cashing at home branch and up to THB 200,000 at non-home branches • Monthly statement to keep you informed on all transactions • Deposit cash and/or cheque into your account through E-zy Card at any counter of BBL and KBANK free of charge. (Minimum deposit is 10,000 Baht per transaction)
Interest rate (% p.a.)	0.00%* As of 10 October 2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest payment frequency	-
Initial deposit amount	10,000 Baht
Account maintenance fee	100 Baht/ month  (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 1,000 Baht)
Conditions	-
Warning	• Deposit in Current account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • Withdrawal from Current account by cheque in case of withdrawal cash or depositing into the account (Not waiting for clearing)  – Other branches in the same region (Maximum 200,000 Baht/Cheque), the Bank will charged 10 Baht/every 10,000 Baht (Minimum 20 Baht)  – Other branches in other regions (Maximum 200,000 Baht/Cheque), the Bank will charged 20 Baht/every 10,000 Baht (Minimum 20 Baht) plus transaction fee 20 Baht. • Withdrawal from Current account by cheque in case of depositing into the account at other branches in the other regions (Waiting for same-day clearing), the Bank will charged 0.10% of amount stated on cheque (Minimum 10 Baht) • In case there is no account movement for more than 12 consecutive months or the identity documents, which were provided to the Bank have expired. The Bank reserves the right to suspend any transactions with a prior notice until the account owner contacts the Bank.
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

2. Super Cheque Account

Product name	Super Cheque Account
Benefits	• Higher interest rate than regular savings account • Convenient payments by using cheques • No limit for cheque cashing at home branch and up to THB 200,000 at non-home branches • Monthly statement to keep you informed on all transactions • Deposit cash and/or cheque into your account through E-zy Card at any counter of BBL and KBANK free of charge. (Minimum deposit is 10,000 Baht per transaction)
Interest rate (% p.a.)	0.350% - 0.450%* As of 10 October  2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com))
Interest Rate Detail (% p.a.)	Amount  Less than  10,000,000  Baht      0.450% From  10,000,000 Baht upward             0.350%
Interest payment frequency	• Daily basis interest calculation • Paid twice a year, in June and December
Initial deposit amount	50,000 Baht
Account maintenance fee	100 Baht/ month (For account that is inactive more than 12 consecutive months and average monthly outstanding balance of less than 5,000 Baht)
Condition	Overdraft is not applicable with this account
Warning	• Deposit in Current account at other branches in other regions, the Bank will charged 10 Baht/every 10,000 Baht (Minimum 10 Baht, Maximum 1,000 Baht) plus transaction fee 20 Baht. • Withdrawal from Current account by cheque in case of withdrawal cash or depositing into the account (Not waiting for clearing)  – Other branches in the same region (Maximum 200,000 Baht/Cheque), the Bank will charged 10 Baht/every 10,000 Baht (Minimum 20 Baht)  – Other branches in other regions (Maximum 200,000 Baht/Cheque), the Bank will charged 20 Baht/every 10,000 Baht (Minimum 20 Baht) plus transaction fee 20 Baht. • Withdrawal from Current account by cheque in case of depositing into the account at other branches in the other regions (Waiting for same-day clearing), the Bank will charged 0.10% of amount stated on cheque (Minimum 10 Baht) • In case there is no account movement for more than 12 consecutive months or the identity documents, which were provided to the Bank have expired. The Bank reserves the right to suspend any transactions with a prior notice until the account owner contacts the Bank.
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

C. Fixed Deposit Account

1. Fixed Deposit Account with Passbook

Product name	Fixed Deposit Account with Passbook
Benefits	Deposits according to the period of time with interest rates higher than Savings Account
Interest rate (%p.a.)	0.900% - 1.300%* based on deposit term  (As of 10 October 2022) (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest rate (%p.a.)	0.900% - 1.300%* based on deposit term  (As of 10 October 2022) (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (%p.a.)	Deposit Period Interest Rate (% p.a.)* 3 Months 0.900% 6 Months 1.000% 12 Months 1.100% 18 Months 1.200% 24 Months 1.250% 36 - 48 Months 1.300%
Deposit Term	3, 6 , 12, 18 , 24 and 36-48 Months
Initial deposit amount (Baht)	• 50,000 Baht • Subsequent deposit shall not be less than 10,000 Baht. • To receive periodic interest payment, the amount of each deposit shall not be less than 500,000 Baht with a minimum deposit period of 6 months.
Interest rate for non-compliant deposit	The Bank will pay interest at the rate of 0.20% p.a. to the actual deposit period if the deposit is withdrawn prior to its maturity date.
Account renewal upon maturity	On the maturity date, if the Customer has not otherwise notified the Bank, the deposit will be automatically renewed for the same deposit term and the normal interest rate as per the Bank’s announcement at that time will be applied.
Account maintenance fee	None
Condition	-
Warning	•Partial withdrawals are not allowed •Withdrawals at any branches apart from the branch where the account was opened are not allowed •Interest income will be deducted 15% interest tax.
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

2. Tax Free Account

Product name	Tax Free Fixed Deposit
Benefits	Simply make equal monthly deposits for 24 or 36 consecutive months to receive the tax exemption privilege
Interest rate (%p.a.)	1.750% - 1.900%* based on deposit term (As of 10 October 2022) (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	• 24 Months: 1.750% • 36 Months: 1.900%
Deposit Term	24 and 36 Months
Initial deposit amount (Baht)	Minimum initial deposit is 1,000 Baht and the maximum is 25,000 Baht. Deposit Period (No. of Months) Deposit Amount (each month) Minimum (Baht) Maximum (Baht) 24 months 1,000 25,000 36 months 1,000 16,500 (deposit amount shall be in multiple of 500 Baht only) Equal monthly deposits are required for 24 or 36 consecutive months to receive the tax exemption privilege.
Interest rate for non-compliant deposit	•Up to 2 missed monthly deposits are allowed, of which deposits can still be made for the absent 2 months. The maturity date will then be extended accordingly while the special interest rate with tax exemption will still apply. •For 3 or more missed deposits, the regular savings interest rate per the Bank’s announcement at the time of the account opening according to the actual deposit period less withholding tax 15 percent will be applied.
Interest rate for withdrawal before maturity	•Deposit period less than 3 months from the date of account opening, there will be no interest paid. •Deposit period from three months onwards, regular savings interest rates will be applied according to the actual deposit period, less the withholding tax.
Account renewal upon maturity	On the maturity date, the Bank shall transfer the principal and interest to the Savings account or Current account with the same account name as Tax Free fixed deposit and the Tax Free Fixed Deposit account will be closed
Condition	-
Warning	•Monthly deposits are required until the deposit term is completed. •Partial withdrawals are not allowed. •The total amount of Interest income incurred from savings account used for auto transfer service and all savings account with all banks exceed 20,000 Baht will be charged income tax 15%.
Contact us	Call ICBC (Thai) Center at 02-629-5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	Submit Sales Sheet to customers

3. Online Fixed Deposit Account

Product name	Online Fixed Deposit Account for Personal Customers
Benefits	Higher interest rates than a Fixed Deposit Account with passbook.
Interest rate (%p.a.)	0.950% - 1.350%* based on deposit term (As of 10 October 2022) (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	Deposit Period Interest Rate (% p.a.)* 3 Months 0.950 6 Months 1.050 12 Months 1.150 18 Months 1.250 24 Months 1.300 36 - 48 Months 1.350
Deposit Term	3 - 48 Months
Initial deposit amount	No minimum initial deposit amount (but must be more than zero baht).
Interest rate for non-compliant deposit	The Bank will pay interest at the rate of 0.20% p.a. to the actual deposit period if the deposit is withdrawn prior to its maturity date.
Account renewal upon maturity	Choose from the deposit term from the table above. The interest rate is per the Bank’s announcement at the time of the account renewal. Or transfer the whole deposit amount back to the savings account.
Account maintenance fee	None
Condition	-
Warning	Interest tax 15 %
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other

1. On Call

Product name	DR: On Call
Benefits	Higher interest rate than regular savings account, even with on call deposit.
Interest rate (%p.a.)	0.550%*  As of 10 October 2022 (*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	0.550% for every deposit amount
Deposit Term	No term
Initial deposit amount (Baht)	50,000 Baht
Account maintenance fee	None
Condition	-
Warning	•Withdrawals at any branches apart from the branch where the account was opened are not allowed. •Interest income will be deducted 15% interest tax.
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com
Other	-

2. Fixed Deposit

Product name	DR: Fixed Deposit
Benefits	Deposits according to the period of time with interest rates higher than Savings Account
Interest rate (%p.a.)	0.650% - 1.300%* based on deposit term (As of 10 October 2022)(*Interest rate can be changed. Please refer to the effective announcement at www.icbcthai.com)
Interest Rate Detail (% p.a.)	Deposit Period Interest Rate (% p.a.)* 1 Months 0.650% 3 Months 0.900% 6 Months 1.000% 12 Months 1.110% 18 Months 1.200% 24 Months 1.250% 36 - 48 Months 1.300%
Deposit Term	1, 3 , 6 , 12, 18, 24 and 36 - 48 Months
Initial deposit amount (Baht)	• 50,000 Baht • To receive periodic interest payment, the amount of each deposit shall not be less than 500,000 Baht with a minimum deposit period of 6 months.
Interest rate for non-compliant deposit	The Bank will pay interest at the rate of 0.20% p.a. to the actual deposit period if the deposit is withdrawn prior to its maturity date.
Account renewal upon maturity	On the maturity date, if the Customer has not otherwise notified the Bank, it shall be considered that the Bank will pay interest at the rate of 0.20% p.a. calculated on the actual numbers of day elapse as from the maturity date.
Account maintenance fee	None
Condition	-
Warning	•Withdrawals at any branches apart from the branch where the account was opened are not allowed. •Interest income will be deducted 15% interest tax.
Contact us	Call ICBC (Thai) Center at 0 2629 5588 or visit any branches nationwide or visit www.icbcthai.com.
Other	-

Deposit Product Catalog (Personal)