{"id":27090,"date":"2025-05-21T14:43:48","date_gmt":"2025-05-21T07:43:48","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=27090"},"modified":"2025-06-06T13:48:38","modified_gmt":"2025-06-06T06:48:38","slug":"app-gui-tien-sinh-loi","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/","title":{"rendered":"So s\u00e1nh TOP 5 App t\u00edch l\u0169y sinh l\u1eddi t\u1ed1t nh\u1ea5t n\u0103m 2025"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;27090&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;3&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;5\\\/5 - (3 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;So s\u00e1nh TOP 5 App t\u00edch l\u0169y sinh l\u1eddi t\u1ed1t nh\u1ea5t n\u0103m 2025&quot;,&quot;width&quot;:&quot;129&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 129px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (3 votes)    <\/div>\n    <\/div>\n<p>Trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng bi\u1ebfn \u0111\u1ed9ng v\u00e0 nhu c\u1ea7u \u0111\u1ea7u t\u01b0 sinh l\u1eddi ng\u00e0y c\u00e0ng t\u0103ng, c\u00e1c app ti\u1ebft ki\u1ec7m sinh l\u1eddi tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c gi\u00fap ng\u01b0\u1eddi d\u00f9ng t\u1ed1i \u01b0u h\u00f3a ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i. V\u1edbi s\u1ef1 ti\u1ec7n l\u1ee3i, linh ho\u1ea1t v\u00e0 l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, vi\u1ec7c l\u1ef1a ch\u1ecdn <a href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/\"><strong>app g\u1eedi ti\u1ec1n sinh l\u1eddi<\/strong><\/a>\u00a0ph\u00f9 h\u1ee3p l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n<p>Xem th\u00eam: <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng n\u00e0o cao nh\u1ea5t h\u00f4m nay ng\u00e0y 06\/06\/2025<\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Tieu_chi_danh_gia_va_phuong_phap_nghien_cuu\" title=\"Ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u\">Ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Tieu_chi_xep_hang\" title=\"Ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng:\">Ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Phuong_phap_nghien_cuu\" title=\"Ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u:\">Ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#1_Timo\" title=\"1. Timo\">1. Timo<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Xuat_xu_va_phap_ly\" title=\"Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd\">Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Uu_diem\" title=\"\u01afu \u0111i\u1ec3m\">\u01afu \u0111i\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Nhuoc_diem\" title=\"Nh\u01b0\u1ee3c \u0111i\u1ec3m\">Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#2_Infina_%E2%80%93_Tai_khoan_sinh_loi_tu_tien_nhan_roi\" title=\"2. Infina \u2013 T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1eeb ti\u1ec1n nh\u00e0n r\u1ed7i\">2. Infina \u2013 T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1eeb ti\u1ec1n nh\u00e0n r\u1ed7i<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Xuat_xu_va_phap_ly-2\" title=\"Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd\">Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Uu_diem_noi_bat\" title=\"\u01afu \u0111i\u1ec3m n\u1ed5i b\u1eadt:\">\u01afu \u0111i\u1ec3m n\u1ed5i b\u1eadt:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Nhuoc_diem-2\" title=\"Nh\u01b0\u1ee3c \u0111i\u1ec3m:\">Nh\u01b0\u1ee3c \u0111i\u1ec3m:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#3_Cake_by_VPBank\" title=\"3. Cake by VPBank\">3. Cake by VPBank<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Xuat_xu_va_phap_ly-3\" title=\"Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd\">Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Uu_diem-2\" title=\"\u01afu \u0111i\u1ec3m\">\u01afu \u0111i\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Nhuoc_diem-3\" title=\"Nh\u01b0\u1ee3c \u0111i\u1ec3m\">Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#4_MoMo_%E2%80%93_Vi_dien_tu_va_nen_tang_da_dich_vu\" title=\"4. MoMo \u2013 V\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 n\u1ec1n t\u1ea3ng \u0111a d\u1ecbch v\u1ee5\">4. MoMo \u2013 V\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 n\u1ec1n t\u1ea3ng \u0111a d\u1ecbch v\u1ee5<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Uu_diem-3\" title=\"\u01afu \u0111i\u1ec3m\">\u01afu \u0111i\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Nhuoc_diem-4\" title=\"Nh\u01b0\u1ee3c \u0111i\u1ec3m\">Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#5_TPBank\" title=\"5. TPBank\">5. TPBank<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Uu_diem-4\" title=\"\u01afu \u0111i\u1ec3m\">\u01afu \u0111i\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Nhuoc_diem-5\" title=\"Nh\u01b0\u1ee3c \u0111i\u1ec3m\">Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Tom_tat_so_sanh_cac_app_tiet_kiem_sinh_loi_trong_nam_2025\" title=\"T\u00f3m t\u1eaft so s\u00e1nh c\u00e1c app ti\u1ebft ki\u1ec7m sinh l\u1eddi trong n\u0103m 2025\">T\u00f3m t\u1eaft so s\u00e1nh c\u00e1c app ti\u1ebft ki\u1ec7m sinh l\u1eddi trong n\u0103m 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/infina.vn\/blog\/app-gui-tien-sinh-loi\/#Vay_App_gui_tien_sinh_loi_nao_phu_hop_voi_ban\" title=\"V\u1eady App g\u1eedi ti\u1ec1n sinh l\u1eddi n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n?\">V\u1eady App g\u1eedi ti\u1ec1n sinh l\u1eddi n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tieu_chi_danh_gia_va_phuong_phap_nghien_cuu\"><\/span>Ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Tieu_chi_xep_hang\"><\/span>Ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>T\u00ednh ph\u00e1p l\u00fd v\u00e0 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng:<\/strong> \u0110\u1ea3m b\u1ea3o app ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p v\u00e0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p b\u1edfi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng.<\/li>\n<li><strong>C\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00f9ng:<\/strong> Bao g\u1ed3m b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, b\u1ea3o m\u1eadt th\u00f4ng tin.<\/li>\n<li><strong>L\u00e3i su\u1ea5t v\u00e0 c\u01a1 ch\u1ebf sinh l\u1eddi:<\/strong> So s\u00e1nh l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 ph\u01b0\u01a1ng th\u1ee9c sinh l\u1eddi.<\/li>\n<li><strong>Ph\u00ed giao d\u1ecbch v\u00e0 qu\u1ea3n l\u00fd:<\/strong> \u0110\u00e1nh gi\u00e1 c\u00e1c lo\u1ea1i ph\u00ed m\u00e0 ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i ch\u1ecbu.<\/li>\n<li><strong>R\u1ee7i ro \u0111\u1ea7u t\u01b0:<\/strong> Ph\u00e2n t\u00edch c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n khi s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Phuong_phap_nghien_cuu\"><\/span>Ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>T\u1ed5ng h\u1ee3p th\u00f4ng tin t\u1eeb c\u00e1c ngu\u1ed3n uy t\u00edn nh\u01b0 trang web ch\u00ednh th\u1ee9c c\u1ee7a t\u1eebng \u1ee9ng d\u1ee5ng, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh v\u00e0 c\u00e1c b\u00e0i vi\u1ebft chuy\u00ean s\u00e2u.<\/li>\n<li>Ph\u00e2n t\u00edch v\u00e0 so s\u00e1nh d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 kh\u00e1ch quan.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"1_Timo\"><\/span>1. Timo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Xuat_xu_va_phap_ly\"><\/span>Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-27117\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-timo.jpeg\" alt=\"App ti\u1ebft ki\u1ec7m sinh l\u1eddi Timo\" width=\"683\" height=\"424\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-timo.jpeg 683w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-timo-300x186.jpeg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-timo-677x420.jpeg 677w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-timo-356x220.jpeg 356w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/p>\n<p>Timo l\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u1ea7u ti\u00ean v\u00e0 ti\u00ean phong t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1eeb n\u0103m 2015. Ban \u0111\u1ea7u, Timo h\u1ee3p t\u00e1c v\u1edbi Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank), sau \u0111\u00f3 t\u1eeb n\u0103m 2019 chuy\u1ec3n sang h\u1ee3p t\u00e1c v\u1edbi Ng\u00e2n h\u00e0ng TMCP B\u1ea3n Vi\u1ec7t (VietCapital Bank \u2013 BVBank), d\u01b0\u1edbi t\u00ean g\u1ecdi ch\u00ednh th\u1ee9c l\u00e0 Timo by BVBank.<\/p>\n<ul>\n<li><strong>S\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0:<\/strong> Ti\u1ebft ki\u1ec7m online v\u1edbi l\u00e3i su\u1ea5t linh ho\u1ea1t.<\/li>\n<li><strong>L\u00e3i su\u1ea5t:<\/strong> L\u00ean \u0111\u1ebfn 6.3%\/n\u0103m t\u00f9y theo k\u1ef3 h\u1ea1n v\u00e0 s\u1ea3n ph\u1ea9m.<\/li>\n<li><strong>Ph\u00ed giao d\u1ecbch:<\/strong> Mi\u1ec5n ph\u00ed cho h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch c\u01a1 b\u1ea3n; m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 n\u00e2ng cao c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng ph\u00ed.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Uu_diem\"><\/span>\u01afu \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>G\u1eedi ti\u1ebft ki\u1ec7m online linh ho\u1ea1t, kh\u00f4ng c\u1ea7n ra qu\u1ea7y.<\/li>\n<li>T\u00ednh n\u0103ng \u201cH\u0169 chi ti\u00eau\u201d gi\u00fap ng\u01b0\u1eddi d\u00f9ng chia kho\u1ea3n ti\u1ebft ki\u1ec7m theo m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n (du l\u1ecbch, c\u01b0\u1edbi h\u1ecfi, du h\u1ecdc,&#8230;).<\/li>\n<li>Mi\u1ec5n ph\u00ed giao d\u1ecbch, kh\u00f4ng thu ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n.<\/li>\n<li>Giao di\u1ec7n th\u00e2n thi\u1ec7n, hi\u1ec7n \u0111\u1ea1i, t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd nhanh.<\/li>\n<li>H\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd v\u1edbi Viet Capital Bank, \u0111\u1ea3m b\u1ea3o t\u00ednh ph\u00e1p l\u00fd v\u00e0 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhuoc_diem\"><\/span>Nh\u01b0\u1ee3c \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>T\u00ednh n\u0103ng \u0111\u1ea7u t\u01b0:<\/strong> Ch\u01b0a h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n ho\u1eb7c v\u00e0ng, h\u1ea1n ch\u1ebf s\u1ef1 \u0111a d\u1ea1ng trong danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2_Infina_%E2%80%93_Tai_khoan_sinh_loi_tu_tien_nhan_roi\"><\/span>2. Infina \u2013 T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1eeb ti\u1ec1n nh\u00e0n r\u1ed7i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-27103\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy.jpg\" alt=\"Infina \u2013 T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1eeb ti\u1ec1n nh\u00e0n r\u1ed7i\" width=\"1920\" height=\"766\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy.jpg 1920w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-300x120.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-1024x409.jpg 1024w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-768x306.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-1536x613.jpg 1536w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-1053x420.jpg 1053w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-696x278.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-infina-gui-tien-tich-luy-1068x426.jpg 1068w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xuat_xu_va_phap_ly-2\"><\/span>Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ra m\u1eaft t\u1eeb n\u0103m 2018, <a href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener\">Infina<\/a> l\u00e0 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 b\u1edfi c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 n\u1ed5i ti\u1ebfng to\u00e0n c\u1ea7u nh\u01b0 Y Combinator v\u00e0 Sequoia Capital. V\u1edbi s\u1ee9 m\u1ec7nh mang l\u1ea1i c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh linh ho\u1ea1t, <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> &#8211; T\u00e0i kho\u1ea3n Sinh L\u1eddi cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng t\u1eadn d\u1ee5ng m\u1ecdi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i \u0111\u1ec3 sinh l\u1ee3i hi\u1ec7u qu\u1ea3 m\u1ed7i ng\u00e0y, d\u00f9 \u0111\u00f3 l\u00e0 ti\u1ec1n l\u01b0\u01a1ng, ti\u1ec1n doanh thu c\u1eeda h\u00e0ng, ti\u1ec1n ch\u1edd t\u00e1i \u0111\u1ea7u t\u01b0, ti\u1ec1n qu\u1ef9 d\u1ef1 ph\u00f2ng.<\/p>\n<p>Infina thu h\u00fat h\u01a1n 2 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng tr\u00ean nhi\u1ec1u n\u1ec1n t\u1ea3ng nh\u01b0 \u1ee8ng d\u1ee5ng Infina, S\u1ed1 d\u01b0 sinh l\u1eddi tr\u00ean V\u00ed ZaloPay, T\u00edch lu\u1ef9 Infina tr\u00ean V\u00ed AppotaPay. S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n t\u1ea1i c\u1ee7a Infina kh\u00f4ng ch\u1ec9 cho th\u1ea5y gi\u00e1 tr\u1ecb s\u1ea3n ph\u1ea9m c\u1ee7a Infina \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi h\u1ec7 sinh th\u00e1i s\u1ea3n ph\u1ea9m c\u1ee7a \u0111\u1ed1i t\u00e1c.<\/p>\n<p>V\u1edbi m\u1ee9c sinh l\u1eddi h\u1ea5p d\u1eabn, n\u1ea1p v\u00e0 r\u00fat ti\u1ec1n linh ho\u1ea1t v\u00e0 an to\u00e0n cao nh\u1edd h\u1ee3p t\u00e1c v\u1edbi c\u00e1c C\u00f4ng ty Qu\u1ea3n l\u00fd qu\u1ef9 l\u1edbn nh\u01b0 ACBC, PVI AM v\u00e0 Ng\u00e2n h\u00e0ng BIDV gi\u00e1m s\u00e1t l\u01b0u k\u00fd, Infina ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng Vi\u1ec7t Nam tin t\u01b0\u1edfng l\u1ef1a ch\u1ecdn.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uu_diem_noi_bat\"><\/span>\u01afu \u0111i\u1ec3m n\u1ed5i b\u1eadt:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>T\u00ednh linh ho\u1ea1t cao: <\/strong><a href=\"https:\/\/infina.vn\/tai-khoan-sinh-loi\" target=\"_blank\" rel=\"noopener\">T\u00e0i kho\u1ea3n sinh l\u1eddi<\/a> cho ph\u00e9p sinh l\u1eddi m\u1ed7i ng\u00e0y v\u1edbi l\u1ee3i nhu\u1eadn 4.9%\/n\u0103m. N\u1ea1p r\u00fat linh ho\u1ea1t b\u1ea5t k\u1ef3 l\u00fac n\u00e0o, c\u1ef1c k\u1ef3 ti\u1ec7n l\u1ee3i cho:\n<ul>\n<li>Ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf, s\u1eed d\u1ee5ng l\u00e0m t\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, ti\u1ec1n nh\u1eadn v\u1ec1 sinh l\u1eddi m\u1ed7i ng\u00e0y v\u00e0 c\u00f3 th\u1ec3 r\u00fat ra thanh to\u00e1n chi ph\u00ed khi c\u1ea7n.<\/li>\n<li>Ng\u01b0\u1eddi c\u00f3 v\u1ed1n \u0111ang ch\u1edd c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 (nh\u00e0, \u0111\u1ea5t, ch\u1ee9ng kho\u00e1n&#8230;).<\/li>\n<li>Ng\u01b0\u1eddi \u0111i l\u00e0m hay ng\u01b0\u1eddi c\u1ea7n t\u1eadp th\u00f3i quen ti\u1ebft ki\u1ec7m: nh\u1eadn l\u01b0\u01a1ng v\u00e0 b\u1ecf 1 ph\u1ea7n v\u00e0o t\u00e0i kho\u1ea3n sinh l\u1eddi, ch\u1ec9 r\u00fat ra chi ti\u00eau khi c\u1ea7n.<\/li>\n<li>Qu\u1ef9 d\u1ef1 ph\u00f2ng.<\/li>\n<\/ul>\n<\/li>\n<li><strong>V\u1ed1n y\u00eau c\u1ea7u th\u1ea5p:<\/strong> T\u1eeb 50.000 VN\u0110 \u0111\u00e3 c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u sinh l\u1eddi.<\/li>\n<li><strong>An to\u00e0n v\u00e0 Minh b\u1ea1ch:<\/strong> C\u00f4ng khai r\u00f5 r\u00e0ng th\u00f4ng tin ti\u1ec1n g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n sinh l\u1eddi s\u1ebd \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng (kh\u00f4ng c\u00f3 r\u1ee7i ro m\u1ea5t v\u1ed1n).<\/li>\n<li>C\u1ed9ng \u0111\u1ed3ng nh\u00e0 \u0111\u1ea7u t\u01b0 n\u0103ng \u0111\u1ed9ng, gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i, h\u1ecdc h\u1ecfi v\u00e0 chia s\u1ebb kinh nghi\u1ec7m \u0111\u1ea7u t\u01b0.<\/li>\n<li>Kh\u00f4ng c\u00f3 ph\u00ed d\u1ecbch v\u1ee5 \u1ea9n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhuoc_diem-2\"><\/span>Nh\u01b0\u1ee3c \u0111i\u1ec3m:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Giao di\u1ec7n ch\u01b0a d\u1ec5 s\u1eed d\u1ee5ng.<\/li>\n<li>L\u1ee3i nhu\u1eadn c\u00f4ng b\u1ed1 tr\u00ean app ch\u01b0a bao g\u1ed3m thu\u1ebf TNCN<\/li>\n<li>Ch\u1ec9 ph\u1ee5c v\u1ee5 cho ng\u01b0\u1eddi tr\u00ean 18 tu\u1ed5i v\u00e0 l\u00e0 c\u00f4ng d\u00e2n Vi\u1ec7t Nam. C\u1ea7n x\u00e1c th\u1ef1c \u0111\u1ecbnh danh, k\u00fd h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c sinh l\u1eddi. R\u00e0ng bu\u1ed9c th\u1ee7 t\u1ee5c \u0111\u1ea7y \u0111\u1ee7 nh\u01b0 \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng<\/li>\n<\/ul>\n<p>Xem th\u00eam: <a href=\"https:\/\/infina.vn\/blog\/review-infina-tu-a-z-day-du-nhat-dac-biet-khong-nen-bo-qua\/\">Review Infina t\u1eeb A t\u1edbi Z \u0111\u1ea7y \u0111\u1ee7 nh\u1ea5t, Infina c\u00f3 l\u1eeba \u0111\u1ea3o kh\u00f4ng?<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Cake_by_VPBank\"><\/span>3. Cake by VPBank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Xuat_xu_va_phap_ly-3\"><\/span>Xu\u1ea5t x\u1ee9 v\u00e0 ph\u00e1p l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-27120\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank.jpeg\" alt=\"App sinh l\u1eddi ti\u1ebft ki\u1ec7m Cake by VPBank\" width=\"800\" height=\"536\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank.jpeg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank-300x201.jpeg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank-768x515.jpeg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank-627x420.jpeg 627w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-tiet-kiem-cake-by-vpbank-696x466.jpeg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Cake c\u00f3 xu\u1ea5t x\u1ee9 t\u1eeb Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c ra m\u1eaft v\u00e0o ng\u00e0y 12\/01\/2021 d\u01b0\u1edbi d\u1ea1ng ng\u00e2n h\u00e0ng s\u1ed1 thu\u1ea7n t\u00fay, ho\u1ea1t \u0111\u1ed9ng theo gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 tr\u1ef1c thu\u1ed9c Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank). Cake l\u00e0 s\u1ea3n ph\u1ea9m h\u1ee3p t\u00e1c gi\u1eefa Be Group \u2013 \u0111\u01a1n v\u1ecb s\u1edf h\u1eefu v\u00e0 ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng g\u1ecdi xe Be \u2013 v\u00e0 VPBank.<\/p>\n<ul>\n<li><strong>S\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0:<\/strong> Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n, kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 ch\u1ee9ng ch\u1ec9 qu\u1ef9 m\u1edf.<\/li>\n<li><strong>L\u00e3i su\u1ea5t:<\/strong> L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n l\u00ean \u0111\u1ebfn kho\u1ea3ng 6,0%\/n\u0103m v\u1edbi k\u1ef3 h\u1ea1n 12 th\u00e1ng (nh\u1eadn l\u00e3i cu\u1ed1i k\u1ef3)<\/li>\n<li><strong>Ph\u00ed giao d\u1ecbch:<\/strong> Mi\u1ec5n ph\u00ed h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch trong \u1ee9ng d\u1ee5ng. Do c\u00f3 s\u1ea3n ph\u1ea9m ch\u1ee9ng ch\u1ec9 qu\u1ef9 m\u1edf, c\u00e1c ph\u00ed li\u00ean quan \u0111\u1ebfn ch\u1ee9ng ch\u1ec9 qu\u1ef9 do c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 quy \u0111\u1ecbnh.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Uu_diem-2\"><\/span>\u01afu \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n l\u00ean \u0111\u1ebfn 6,0%\/n\u0103m.<\/li>\n<li>Kh\u00f4ng gi\u1edbi h\u1ea1n k\u1ef3 h\u1ea1n c\u1ed1 \u0111\u1ecbnh, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 t\u1ea1o \u201ch\u0169 ti\u1ec1n\u201d theo nhu c\u1ea7u ri\u00eang v\u1edbi c\u00e1c k\u1ef3 h\u1ea1n t\u1eeb 1 \u0111\u1ebfn 36 th\u00e1ng.<\/li>\n<li>\u0110\u1ea7u t\u01b0 ch\u1ee9ng ch\u1ec9 qu\u1ef9 m\u1edf v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf t\u1eeb 10.000 \u0111\u1ed3ng, thanh kho\u1ea3n cao, kh\u00f4ng ph\u00ed ph\u1ea1t tr\u01b0\u1edbc h\u1ea1n, gi\u00fap \u0111a d\u1ea1ng h\u00f3a k\u00eanh \u0111\u1ea7u t\u01b0.<\/li>\n<li>Ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 100% th\u00f4ng qua VPBank v\u00e0 \u0111\u01b0\u1ee3c tham gia b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi c\u1ee7a Nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li>Kh\u00f4ng thu b\u1ea5t k\u1ef3 ph\u00ed \u1ea9n n\u00e0o, c\u00e1c giao d\u1ecbch v\u00e0 m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ec1u mi\u1ec5n ph\u00ed.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhuoc_diem-3\"><\/span>Nh\u01b0\u1ee3c \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>S\u1ea3n ph\u1ea9m g\u1eedi ti\u1ebft ki\u1ec7m online g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 r\u1ee7i ro. Tuy nhi\u00ean, ch\u1ee9ng ch\u1ec9 qu\u1ef9 c\u00f3 th\u1ec3 ch\u1ecbu bi\u1ebfn \u0111\u1ed9ng theo th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, n\u00ean c\u00e1c b\u1ea1n c\u1ea7n c\u00e2n nh\u1eafc kh\u1ea9u v\u1ecb r\u1ee7i ro.<\/li>\n<li>S\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 h\u1ea1n ch\u1ebf \u1edf ch\u1ee9ng ch\u1ec9 qu\u1ef9 m\u1edf, ch\u01b0a c\u00f3 c\u1ed5 phi\u1ebfu hay tr\u00e1i phi\u1ebfu ri\u00eang l\u1ebb.<\/li>\n<li>Kh\u00f3 t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n n\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 mong mu\u1ed1n \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng h\u01a1n ho\u1eb7c ch\u1ea5p nh\u1eadn r\u1ee7i ro cao h\u01a1n.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4_MoMo_%E2%80%93_Vi_dien_tu_va_nen_tang_da_dich_vu\"><\/span>4. MoMo \u2013 V\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 n\u1ec1n t\u1ea3ng \u0111a d\u1ecbch v\u1ee5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-27119\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-momo.jpeg\" alt=\"App \u0111\u1ea7u t\u01b0 sinh l\u1eddi Momo\" width=\"659\" height=\"370\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-momo.jpeg 659w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-sinh-loi-momo-300x168.jpeg 300w\" sizes=\"(max-width: 659px) 100vw, 659px\" \/><\/p>\n<p data-sourcepos=\"7:1-7:426\">MoMo l\u00e0 m\u1ed9t trong nh\u1eefng v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 n\u1ec1n t\u1ea3ng thanh to\u00e1n di \u0111\u1ed9ng l\u1edbn nh\u1ea5t v\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam. Ra m\u1eaft t\u1eeb n\u0103m 2010, MoMo cung c\u1ea5p h\u1ec7 sinh th\u00e1i \u0111a d\u1ea1ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 ti\u1ec7n \u00edch, t\u1eeb thanh to\u00e1n h\u00f3a \u0111\u01a1n, chuy\u1ec3n ti\u1ec1n, n\u1ea1p ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i \u0111\u1ebfn mua v\u00e9 xem phim, \u0111\u1eb7t \u0111\u1ed3 \u0103n v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 \u0111\u1ea7u t\u01b0 kh\u00e1c.<\/p>\n<ul>\n<li data-sourcepos=\"9:1-11:134\"><strong>S\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0:<\/strong> T\u00fai Th\u1ea7n T\u00e0i, Ch\u1ee9ng ch\u1ec9 qu\u1ef9 (qua c\u00e1c \u0111\u1ed1i t\u00e1c nh\u01b0 Dragon Capital, VinaCapital), Ti\u1ebft ki\u1ec7m g\u1eedi g\u00f3p.<\/li>\n<li data-sourcepos=\"9:1-11:134\"><strong>L\u00e3i su\u1ea5t:<\/strong> T\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, v\u00ed d\u1ee5: T\u00fai Th\u1ea7n T\u00e0i c\u00f3 l\u00e3i su\u1ea5t tham kh\u1ea3o kho\u1ea3ng 3.9%\/n\u0103m (c\u00f3 th\u1ec3 thay \u0111\u1ed5i).<\/li>\n<li data-sourcepos=\"9:1-11:134\"><strong>Ph\u00ed giao d\u1ecbch:<\/strong> Mi\u1ec5n ph\u00ed ho\u1eb7c ph\u00ed r\u1ea5t th\u1ea5p \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch th\u00f4ng th\u01b0\u1eddng; ph\u00ed c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3.<\/li>\n<\/ul>\n<h3 data-sourcepos=\"13:1-13:12\"><span class=\"ez-toc-section\" id=\"Uu_diem-3\"><\/span>\u01afu \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-sourcepos=\"14:1-20:0\">\n<li data-sourcepos=\"14:1-14:141\"><strong>H\u1ec7 sinh th\u00e1i \u0111a d\u1ea1ng:<\/strong> Cung c\u1ea5p h\u00e0ng tr\u0103m ti\u1ec7n \u00edch v\u00e0 d\u1ecbch v\u1ee5 thanh to\u00e1n, gi\u00fap ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n m\u1ecdi giao d\u1ecbch ch\u1ec9 tr\u00ean m\u1ed9t \u1ee9ng d\u1ee5ng.<\/li>\n<li data-sourcepos=\"15:1-15:90\"><strong>D\u1ec5 s\u1eed d\u1ee5ng:<\/strong> Giao di\u1ec7n th\u00e2n thi\u1ec7n, d\u1ec5 thao t\u00e1c, ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng.<\/li>\n<li data-sourcepos=\"16:1-16:119\"><strong>\u0110\u1ed9 ph\u1ee7 r\u1ed9ng:<\/strong> \u0110\u01b0\u1ee3c ch\u1ea5p nh\u1eadn t\u1ea1i h\u1ea7u h\u1ebft c\u00e1c c\u1eeda h\u00e0ng, si\u00eau th\u1ecb, d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn v\u00e0 ngo\u1ea1i tuy\u1ebfn tr\u00ean to\u00e0n qu\u1ed1c.<\/li>\n<li data-sourcepos=\"17:1-17:100\"><strong>B\u1ea3o m\u1eadt cao:<\/strong> \u00c1p d\u1ee5ng nhi\u1ec1u l\u1edbp b\u1ea3o m\u1eadt hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/li>\n<li data-sourcepos=\"18:1-18:90\"><strong>\u01afu \u0111\u00e3i th\u01b0\u1eddng xuy\u00ean:<\/strong> Th\u01b0\u1eddng xuy\u00ean c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i, ho\u00e0n ti\u1ec1n h\u1ea5p d\u1eabn.<\/li>\n<li data-sourcepos=\"19:1-20:0\"><strong>S\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh ti\u1ec7n l\u1ee3i:<\/strong> C\u00e1c s\u1ea3n ph\u1ea9m nh\u01b0 T\u00fai Th\u1ea7n T\u00e0i hay \u0111\u1ea7u t\u01b0 ch\u1ee9ng ch\u1ec9 qu\u1ef9 gi\u00fap ng\u01b0\u1eddi d\u00f9ng d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb.<\/li>\n<\/ul>\n<h3 data-sourcepos=\"21:1-21:15\"><span class=\"ez-toc-section\" id=\"Nhuoc_diem-4\"><\/span>Nh\u01b0\u1ee3c \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-sourcepos=\"22:1-24:153\">\n<li data-sourcepos=\"22:1-22:86\"><strong>Nhi\u1ec1u ph\u00ed<\/strong> <strong>\u1ea9n:<\/strong> Ph\u00e1t sinh nhi\u1ec1u ph\u00ed \u1ea9n khi d\u00f9ng \u0111\u1ec3 thanh to\u00e1n v\u00e0 r\u00fat ti\u1ec1n tr\u00ean 1 h\u1ea1n m\u1ee9c trong th\u00e1ng.<\/li>\n<li data-sourcepos=\"22:1-22:86\"><strong>Gi\u1edbi h\u1ea1n r\u00fat ti\u1ec1n:<\/strong> M\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n r\u00fat ho\u1eb7c chuy\u1ec3n.<\/li>\n<li data-sourcepos=\"23:1-23:90\"><strong>Ph\u1ee5 thu\u1ed9c v\u00e0o k\u1ebft n\u1ed1i internet:<\/strong> Y\u00eau c\u1ea7u k\u1ebft n\u1ed1i m\u1ea1ng \u1ed5n \u0111\u1ecbnh \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5.<\/li>\n<li data-sourcepos=\"24:1-24:153\"><strong>T\u00ednh n\u0103ng \u0111\u1ea7u t\u01b0 c\u00f2n h\u1ea1n ch\u1ebf:<\/strong> So v\u1edbi c\u00e1c n\u1ec1n t\u1ea3ng chuy\u00ean bi\u1ec7t, c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 tr\u00ean MoMo tuy ti\u1ec7n l\u1ee3i nh\u01b0ng ch\u01b0a th\u1ef1c s\u1ef1 \u0111a d\u1ea1ng v\u00e0 chuy\u00ean s\u00e2u.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"5_TPBank\"><\/span>5. TPBank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-27141\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank.jpg\" alt=\"TPBank\" width=\"860\" height=\"572\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank.jpg 860w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank-300x200.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank-768x511.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank-631x420.jpg 631w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/05\/app-tiet-kiem-sinh-loi-tpbank-696x463.jpg 696w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\n<p>TPBank (Ng\u00e2n h\u00e0ng TMCP Ti\u00ean Phong) l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n uy t\u00edn t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 2008 v\u00e0 ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. V\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng tr\u1edf th\u00e0nh \u201cng\u00e2n h\u00e0ng s\u1ed1 h\u00e0ng \u0111\u1ea7u\u201d, TPBank \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 v\u00e0 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m online.<\/p>\n<ul>\n<li><strong>S\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0:<\/strong> G\u1eedi ti\u1ebft ki\u1ec7m online c\u00f3 k\u1ef3 h\u1ea1n, kh\u00f4ng k\u1ef3 h\u1ea1n; s\u1ea3n ph\u1ea9m t\u00edch l\u0169y tr\u00ean app TPBank.<\/li>\n<li><strong>L\u00e3i su\u1ea5t:<\/strong> <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-tp-bank\/\">L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi online c\u1ee7a TPBank<\/a> k\u1ef3 h\u1ea1n 6\u201312 th\u00e1ng dao \u0111\u1ed9ng t\u1eeb 5.5% \u2013 5.85%\/n\u0103m t\u00f9y k\u1ef3 h\u1ea1n v\u00e0 s\u1ed1 ti\u1ec1n g\u1eedi (c\u1eadp nh\u1eadt th\u00e1ng 6\/2025).<\/li>\n<li><strong>Ph\u00ed giao d\u1ecbch:<\/strong> Mi\u1ec5n ph\u00ed h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch ti\u1ebft ki\u1ec7m v\u00e0 chuy\u1ec3n ti\u1ec1n n\u1ed9i b\u1ed9 qua \u1ee9ng d\u1ee5ng. M\u1ed9t s\u1ed1 giao d\u1ecbch li\u00ean ng\u00e2n h\u00e0ng ngo\u00e0i gi\u1edd c\u00f3 th\u1ec3 t\u00ednh ph\u00ed theo bi\u1ec3u ph\u00ed hi\u1ec7n h\u00e0nh.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Uu_diem-4\"><\/span>\u01afu \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Uy t\u00edn ng\u00e2n h\u00e0ng cao:<\/strong> TPBank thu\u1ed9c nh\u00f3m ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n l\u1edbn, c\u00f3 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh m\u1ea1nh v\u00e0 l\u1ecbch s\u1eed ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh.<\/li>\n<li><strong>G\u1eedi ti\u1ebft ki\u1ec7m linh ho\u1ea1t 24\/7:<\/strong> Th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n tr\u00ean \u1ee9ng d\u1ee5ng eBank, kh\u00f4ng c\u1ea7n \u0111\u1ebfn qu\u1ea7y, k\u1ec3 c\u1ea3 cu\u1ed1i tu\u1ea7n hay ng\u00e0y l\u1ec5.<\/li>\n<li><strong>L\u00e3i su\u1ea5t c\u1ea1nh tranh:<\/strong> So v\u1edbi nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn, TPBank th\u01b0\u1eddng xuy\u00ean \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i cho ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m online.<\/li>\n<li><strong>An to\u00e0n tuy\u1ec7t \u0111\u1ed1i:<\/strong> \u0110\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi b\u1edfi B\u1ea3o hi\u1ec3m Ti\u1ec1n g\u1eedi Vi\u1ec7t Nam v\u00e0 gi\u00e1m s\u00e1t b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li><strong>Giao di\u1ec7n eBank hi\u1ec7n \u0111\u1ea1i:<\/strong> \u1ee8ng d\u1ee5ng th\u00e2n thi\u1ec7n, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng t\u1ea1o nhi\u1ec1u \u201cs\u1ed5 ti\u1ebft ki\u1ec7m\u201d theo m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n (mua nh\u00e0, h\u1ecdc ph\u00ed, du l\u1ecbch\u2026).<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhuoc_diem-5\"><\/span>Nh\u01b0\u1ee3c \u0111i\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Kh\u00f4ng h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng:<\/strong> TPBank ch\u1ee7 y\u1ebfu cung c\u1ea5p s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m, ch\u01b0a t\u00edch h\u1ee3p c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 kh\u00e1c nh\u01b0 ch\u1ee9ng kho\u00e1n, v\u00e0ng hay qu\u1ef9 m\u1edf tr\u00ean c\u00f9ng n\u1ec1n t\u1ea3ng.<\/li>\n<li><strong>R\u00fat tr\u01b0\u1edbc h\u1ea1n l\u00e3i su\u1ea5t th\u1ea5p:<\/strong> N\u1ebfu t\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 nh\u1eadn l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n (r\u1ea5t th\u1ea5p ch\u1ec9 0,1%\/n\u0103m).<\/li>\n<li><strong>Ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng:<\/strong> M\u1ed9t s\u1ed1 t\u00ednh n\u0103ng n\u00e2ng cao ho\u1eb7c x\u1eed l\u00fd giao d\u1ecbch l\u1edbn v\u1eabn c\u1ea7n \u0111\u1ebfn chi nh\u00e1nh ho\u1eb7c t\u1ed5ng \u0111\u00e0i h\u1ed7 tr\u1ee3.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tom_tat_so_sanh_cac_app_tiet_kiem_sinh_loi_trong_nam_2025\"><\/span>T\u00f3m t\u1eaft so s\u00e1nh c\u00e1c app ti\u1ebft ki\u1ec7m sinh l\u1eddi trong n\u0103m 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wpdt-c row wpDataTableContainerSimpleTable wpDataTables wpDataTablesWrapper\n\"\n    >\n        <table id=\"wpdtSimpleTable-144\"\n           style=\"border-collapse:collapse;\n                   border-spacing:0px;\"\n           class=\"wpdtSimpleTable wpDataTable\"\n           data-column=\"5\"\n           data-rows=\"6\"\n           data-wpID=\"144\"\n           data-responsive=\"0\"\n           data-has-header=\"0\">\n\n                    <tbody>        <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"A1\"\n                    data-col-index=\"0\"\n                    data-row-index=\"0\"\n                    style=\" width:7.1942446043165%;                    padding:10px;\n                    \"\n                    >\n                                        \u1ee8ng d\u1ee5ng                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"B1\"\n                    data-col-index=\"1\"\n                    data-row-index=\"0\"\n                    style=\" width:17.769784172662%;                    padding:10px;\n                    \"\n                    >\n                                        L\u00e3i su\u1ea5t t\u1ed1i \u0111a                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"C1\"\n                    data-col-index=\"2\"\n                    data-row-index=\"0\"\n                    style=\" width:19.928057553957%;                    padding:10px;\n                    \"\n                    >\n                                        C\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"D1\"\n                    data-col-index=\"3\"\n                    data-row-index=\"0\"\n                    style=\" width:26.115107913669%;                    padding:10px;\n                    \"\n                    >\n                                        Ph\u00ed r\u00fat\/tr\u1ea3 s\u1edbm                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"E1\"\n                    data-col-index=\"4\"\n                    data-row-index=\"0\"\n                    style=\" width:28.992805755396%;                    padding:10px;\n                    \"\n                    >\n                                        Gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng \/ H\u1ee3p t\u00e1c ph\u00e1p l\u00fd                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A2\"\n                    data-col-index=\"0\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Timo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B2\"\n                    data-col-index=\"1\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        3,9% - 5.8%\/n\u0103m                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C2\"\n                    data-col-index=\"2\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ti\u1ebft ki\u1ec7m online                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D2\"\n                    data-col-index=\"3\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        M\u1ea5t ph\u00ed khi r\u00fat s\u1edbm                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"E2\"\n                    data-col-index=\"4\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng s\u1ed1 qua Viet Capital Bank                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A3\"\n                    data-col-index=\"0\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Infina                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B3\"\n                    data-col-index=\"1\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        4.9%\/n\u0103m (kh\u00f4ng k\u1ef3 h\u1ea1n)                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C3\"\n                    data-col-index=\"2\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        T\u00e0i kho\u1ea3n sinh l\u1eddi, T\u00edch l\u0169y c\u00f3 k\u1ef3 h\u1ea1n, ch\u1ee9ng kho\u00e1n Finavi, B\u1ea3o hi\u1ec3m PVI                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D3\"\n                    data-col-index=\"3\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Kh\u00f4ng m\u1ea5t l\u1ee3i nhu\u1eadn khi r\u00fat s\u1edbm (t\u00edch l\u0169y kh\u00f4ng k\u1ef3 h\u1ea1n)                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"E3\"\n                    data-col-index=\"4\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi v\u1edbi ng\u00e2n h\u00e0ng uy t\u00edn, \u0111\u01b0\u1ee3c l\u01b0u k\u00fd b\u1edfi BIDV                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A4\"\n                    data-col-index=\"0\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        MoMo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B4\"\n                    data-col-index=\"1\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        3,9%\/n\u0103m (kh\u00f4ng k\u1ef3 h\u1ea1n)                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C4\"\n                    data-col-index=\"2\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        T\u00fai Th\u1ea7n T\u00e0i, Ch\u1ee9ng ch\u1ec9 qu\u1ef9, Ti\u1ebft ki\u1ec7m g\u1eedi g\u00f3p                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D4\"\n                    data-col-index=\"3\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        M\u1ea5t ph\u00ed khi r\u00fat s\u1edbm                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"E4\"\n                    data-col-index=\"4\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        V\u00ed \u0111i\u1ec7n t\u1eed ph\u1ed5 bi\u1ebfn h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A5\"\n                    data-col-index=\"0\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        TPBank                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B5\"\n                    data-col-index=\"1\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        5,5% \u2013 5,8%\/n\u0103m                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C5\"\n                    data-col-index=\"2\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m online c\u00f3 k\u1ef3 h\u1ea1n, kh\u00f4ng k\u1ef3 h\u1ea1n                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D5\"\n                    data-col-index=\"3\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        R\u00fat tr\u01b0\u1edbc k\u1ef3 h\u1ea1n ch\u1ec9 h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"E5\"\n                    data-col-index=\"4\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ng\u00e2n h\u00e0ng TMCP Ti\u00ean Phong \u2013 \u0110\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 gi\u00e1m s\u00e1t b\u1edfi NHNN                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A6\"\n                    data-col-index=\"0\"\n                    data-row-index=\"5\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Cake by VPBank                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B6\"\n                    data-col-index=\"1\"\n                    data-row-index=\"5\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        4.3% - 6,0%\/n\u0103m                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C6\"\n                    data-col-index=\"2\"\n                    data-row-index=\"5\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ch\u1ee9ng ch\u1ec9 qu\u1ef9 m\u1edf                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D6\"\n                    data-col-index=\"3\"\n                    data-row-index=\"5\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        M\u1ea5t ph\u00ed khi r\u00fat s\u1edbm                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"E6\"\n                    data-col-index=\"4\"\n                    data-row-index=\"5\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        H\u1ee3p t\u00e1c v\u1eadn h\u00e0nh v\u1edbi VPBank \u2013 Ng\u00e2n h\u00e0ng TMCP uy t\u00edn                    <\/td>\n                                        <\/tr>\n                    <\/table>\n<\/div><style id='wpdt-custom-style-144'>\n.wpdt-bc-03A9F4 { background-color: #03A9F4 !important;}\n.wpdt-tc-FFFFFF { color: #FFFFFF !important;}\n<\/style>\n\n<h2><span class=\"ez-toc-section\" id=\"Vay_App_gui_tien_sinh_loi_nao_phu_hop_voi_ban\"><\/span>V\u1eady App g\u1eedi ti\u1ec1n sinh l\u1eddi n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wpdt-c row wpDataTableContainerSimpleTable wpDataTables wpDataTablesWrapper\n\"\n    >\n        <table id=\"wpdtSimpleTable-145\"\n           style=\"border-collapse:collapse;\n                   border-spacing:0px;\"\n           class=\"wpdtSimpleTable wpDataTable\"\n           data-column=\"3\"\n           data-rows=\"5\"\n           data-wpID=\"145\"\n           data-responsive=\"0\"\n           data-has-header=\"0\">\n\n                    <tbody>        <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"A1\"\n                    data-col-index=\"0\"\n                    data-row-index=\"0\"\n                    style=\" width:23.612417685795%;                    padding:10px;\n                    \"\n                    >\n                                        Nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"B1\"\n                    data-col-index=\"1\"\n                    data-row-index=\"0\"\n                    style=\" width:22.38946378175%;                    padding:10px;\n                    \"\n                    >\n                                        \u1ee8ng d\u1ee5ng ph\u00f9 h\u1ee3p                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bc-03A9F4 wpdt-tc-FFFFFF wpdt-bold\"\n                                            data-cell-id=\"C1\"\n                    data-col-index=\"2\"\n                    data-row-index=\"0\"\n                    style=\" width:53.998118532455%;                    padding:10px;\n                    \"\n                    >\n                                        \u0110\u1eb7c \u0111i\u1ec3m ch\u00ednh                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A2\"\n                    data-col-index=\"0\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ng\u01b0\u1eddi m\u1edbi, c\u1ea7n sinh l\u1eddi an to\u00e0n                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B2\"\n                    data-col-index=\"1\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        TPBank, Cake by VPBank, Timo Digital Bank, Infina, Momo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C2\"\n                    data-col-index=\"2\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Ti\u1ebft ki\u1ec7m online v\u1edbi l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh, an to\u00e0n, d\u1ec5 s\u1eed d\u1ee5ng                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A3\"\n                    data-col-index=\"0\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u1ebb, v\u1ed1n \u00edt                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B3\"\n                    data-col-index=\"1\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        TPBank, Momo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C3\"\n                    data-col-index=\"2\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        \u0110\u1ea7u t\u01b0 nh\u1ecf l\u1ebb, t\u00edch l\u0169y linh ho\u1ea1t, l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A4\"\n                    data-col-index=\"0\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Mu\u1ed1n \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng, sinh l\u1eddi linh ho\u1ea1t                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B4\"\n                    data-col-index=\"1\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Infina, Momo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C4\"\n                    data-col-index=\"2\"\n                    data-row-index=\"3\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        \u0110a d\u1ea1ng s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 (c\u1ed5 phi\u1ebfu, v\u00e0ng, qu\u1ef9 m\u1edf), n\u1ea1p r\u00fat linh ho\u1ea1t khi c\u1ea7n                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A5\"\n                    data-col-index=\"0\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        T\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn khi ch\u1edd c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B5\"\n                    data-col-index=\"1\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        Infina, Momo                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C5\"\n                    data-col-index=\"2\"\n                    data-row-index=\"4\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        L\u1ee3i nhu\u1eadn sinh l\u1eddi kh\u00f4ng k\u1ef3 h\u1ea1n t\u1eeb 4% - 5%, cao h\u01a1n 0.1%-0.5% khi \u0111\u1ec3 ti\u1ec1n \u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. N\u1ea1p r\u00fat linh ho\u1ea1t                    <\/td>\n                                        <\/tr>\n                    <\/table>\n<\/div><style id='wpdt-custom-style-145'>\n.wpdt-bc-03A9F4 { background-color: #03A9F4 !important;}\n.wpdt-tc-FFFFFF { color: #FFFFFF !important;}\n<\/style>\n\n<p>H\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb s\u1ed1 ti\u1ec1n nh\u1ecf, ki\u1ec3m nghi\u1ec7m s\u1ef1 ph\u00f9 h\u1ee3p c\u1ee7a <strong>app t\u00edch l\u0169y ti\u1ec1n<\/strong> v\u1edbi phong c\u00e1ch \u0111\u1ea7u t\u01b0 v\u00e0 kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro c\u1ee7a b\u1ea1n. Lu\u00f4n nh\u1edb r\u1eb1ng kh\u00f4ng c\u00f3 k\u00eanh \u0111\u1ea7u t\u01b0 n\u00e0o kh\u00f4ng c\u00f3 r\u1ee7i ro. Ki\u1ebfn th\u1ee9c, kinh nghi\u1ec7m v\u00e0 tr\u1ea3i nghi\u1ec7m ch\u00ednh l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh sinh l\u1eddi b\u1ec1n v\u1eefng.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trong b&#7889;i c&#7843;nh l&atilde;i su&#7845;t ng&acirc;n h&agrave;ng bi&#7871;n &#273;&#7897;ng v&agrave; nhu c&#7847;u &#273;&#7847;u t&#432; sinh l&#7901;i ng&agrave;y c&agrave;ng t&#259;ng, c&aacute;c app ti&#7871;t ki&#7879;m sinh l&#7901;i tr&#7903; th&agrave;nh c&ocirc;ng c&#7909; &#273;&#7855;c l&#7921;c gi&uacute;p ng&#432;&#7901;i d&ugrave;ng t&#7889;i &#432;u h&oacute;a ngu&#7891;n ti&#7873;n nh&agrave;n r&#7895;i. V&#7899;i s&#7921; ti&#7879;n l&#7907;i, linh ho&#7841;t v&agrave; l&atilde;i su&#7845;t h&#7845;p d&#7851;n, vi&#7879;c l&#7921;a ch&#7885;n [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":27102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1317],"tags":[],"class_list":{"0":"post-27090","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-khoan-sinh-loi"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/27090","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=27090"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/27090\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/27102"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=27090"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=27090"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=27090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}