特征 | 第一年计划 | 第二年计划 |
|---|---|---|
| 期限 | 12个月 | 12个月 |
| 自动升级 | 升级至第二年 | 12个月后自动关闭 |
| 货币 | 美元/柬币 | |
| 初始存款 | 100美元或400,000柬币 | 1,200美元或4,800,000柬币 |
| 基本年利率 | 美元为2% 柬币为2.25% | |
| 每月最低充值额 | 100美元或400,000柬币 | |
| 每月最高充值额 |
| |
| 额外充值利率 | 美元为4% 柬币为4.25% | |
| 免费保险 |
| |
| 储蓄利率 |
| |
| 提前关闭或自动关闭 |
| |
| 提前关闭账户费用 | 30美元或120,000柬币 | 50美元或200,000柬币 |
备注：
额外利率仅适用于具体月份的每月充值额。
每个用户可开设高达99个精明储蓄精简账户。
柬币账户可额外获得年利率0.25%。
利率可根据业务需要不时调整。
Frequently Asked Questions
Clever Savings Builder is a type of fixed deposit account that offers a high interest rate and includes free Personal Accident Insurance Coverage Up to USD 10,000 and Medical Insurance Due to Accident Up to USD 3,000 per case.
Clever Savings Builder has two plans:
- Year 1
- Year 2
| No. | Plan | Initial Deposit Amount |
|---|---|---|
| 1 | Year 1 | USD 100 OR KHR 400,000 |
| 2 | Year 2 | USD 1,200 OR KHR 4,800,000 |
Yes, of course (Highly recommended)
| No. | Plan | Basic Interest (p.a.) |
|---|---|---|
| 1 | Year 1 | 2% for USD OR 2.25% for KHR |
| 2 | Year 2 | 2% for USD OR 2.25% for KHR |
| No. | Plan | Min. Monthly Top-Up Amount |
|---|---|---|
| 1 | Year 1 | USD 100 OR KHR 400,000 |
| 2 | Year 2 | USD 100 OR KHR 400,000 |
Yes, of course (Highly recommended)
| No. | Plan | Additional Interest Rate on Monthly Top Up (p.a.) |
|---|---|---|
| 1 | Year 1 | USD 4% OR KHR 4.25% |
| 2 | Year 2 | USD 4% OR KHR 4.25% |
Unlimited
- PRINCE Mobile App
- Prince Bank Branch
- From Month 1 to Month 10: Unlimited top-up amount
- From Month 11 to Month 12: Maximum monthly top-up equals the minimum monthly top-up requirement for each plan.
Clever Savings Builder cannot request a credit card.
- The Clever Savings Builder allows for early closure before the maturity date.
- However, please note that there will be a fee charged for closing the account prematurely. This fee includes:
- Re-calculate all interest (principle and monthly top up) by offering Basic Interest rate of Clever Savings Builder in each plan with proper Tax.
- Charge admin fee for the insurance for Clever Savings Builder only in active plan
Year 1 | Year 2 |
|---|---|
USD 30 | USD 50 |
Customers are still able to obtain insurance coverage based on the plan they have selected.
NO. (Currently Unavailable)
- Personal Accident Insurance coverage will become effective immediately after opening a Clever Savings Builder.
- The Insurance will be expired in 1 year (from the account opening date) Ex: Customer opened account on 01-May-2024. It will be effective from 01-May-2024 valid till 30-Apr-2025
Only Clever Savings Builder Account Holder.
Within 15 working days
The customer cannot change the beneficiaries of the insurance coverage.
Beneficiaries up to 18 years old to 65 years old are eligible for insurance coverage.
Customers can contact Forte Insurance Coverage for Detail 023 885 077.
Customers can contact Forte Insurance Coverage for Detail 023 885 077.
- If you get treatment at a Forte Partner Hospital, the required documents are as follows: Your Group Personal Accident Insurance membership card, Your National ID card, Employee card, Passport or an equivalent document, and The Partner Hospital will submit claim documents to Forte directly.
- If you get treatment at other licensed hospitals, submit the claim documents to Forte within 30 days (about 4 and a half weeks) of hospital discharge.
超越储蓄!
我们关心不仅您的钱，还有您的健康！
欢迎来到精明储蓄，我们致力于帮助您实现财务目标，同时也照顾您的整体福祉。我们的储蓄账户不仅仅为您提供高利率，还免费医疗保险，为了确保您和您的亲人免受意外医疗费用的困扰。我们对您的财务和健康定下的捉承诺将代表我们与其他银行不同之处。
| 特征 | 白银 | 黄金 | 翡翠 |
|---|---|---|---|
| 期限 | 12个月 | 12个月 | 12个月 |
| 自动升级 | 从第一年至第三年及在第三年关闭 | 从第二年至第三年及在第三年关闭 | 12个月后将自动关闭 |
| 货币： | 美元或柬币 | 美元或柬币 | 美元或柬币 |
| 初始存款： | 1,000 美元 4,000,000 柬币 | 3,200 美元 12,800,000 柬币 | 6,500 美元 26,000,000 柬币 |
| 基本年利率 | 美元 2% 柬币 2.25% | 美元 2.5% 柬币 2.75% | 美元 3% 柬币 3.25% |
| 每月最低充值额 | 200 美元 800,000 柬币 | 300 美元 1,200,000 柬币 | 350 美元 1,400,000 柬币 |
| 每月最高充值额 | > 从第一月至第十月：无限制最高充值额 > 从第十一月至第十二月：最高充值额等于已设置的最低金额。 | ||
| 额外充值利率 | 美元 8% 柬币 8.25% | 美元 9% 柬币 9.25% | 美元 11.75% 柬币 12% |
| 医疗套餐（住院） | 5,000 美元 | 10,000 美元 | 30,000 美元 |
| 储蓄利率 | > 每日积累 > 将每月利息记入储蓄或往来账户 > 适用预扣税 | ||
| 提前关闭账户或自动关闭 | > 利率：由精明储蓄账户计划所设置的基本利率和适当税收，进行重新计算所有利息。 > 保险费将在剩余余额存入您的往来或储蓄账户之前被退还。 | ||
| 提前关闭账户费用 | 100 美元 400,000 柬币 | 150 美元 600,000 柬币 | 250 美元 1,000,000 柬币 |
备注：福利套餐以条款及细则为准
Frequently Asked Questions
Clever Savings Account is a type of fixed-term deposit account that offers a high interest rate and includes free medical insurance service.
Clever Savings account has three plans
- Silver Plan
- Gold Plan
- Emerald Plan
No. | Plan | Initial Deposit Amount |
| 1 | Silver | USD 1,000 OR KHR 4,000,000 |
| 2 | Gold | USD 3,200 OR KHR 12,800,000 |
| 3 | Emarald | USD 6,500 OR KHR 26,000,000 |
Yes, of course (Highly recommended)
No. | Plan | Basic Interest (p.a.) |
1 | Silver | 2% for USD OR 2.25% for KHR |
2 | Gold | 2.5% for USD OR 2.75% for KHR |
3 | Emarald | 3% for USD OR 3.25% for KHR |
No. | Plan | Min. Monthly Top-Up Amount |
1 | Silver | USD 200 OR KHR 800,000 |
2 | Gold | USD 300 OR KHR 1,200,000 |
3 | Emarald | USD 350 OR KHR 1,400,000 |
Yes, of course (Highly recommended)
| No. | Plan | Additional Interest Rate on Monthly Top Up (p.a.) |
|---|---|---|
| 1 | Silver | USD 8% OR KHR 8.25% |
| 2 | Gold | USD 9% OR KHR 9.25% |
| 3 | Emerald | USD 11.75% OR KHR 12% |
Unlimited
- PRINCE Mobile App
- Prince Bank Branch
- From Month 1 to Month 10: Unlimited top-up amount
- From Month 11 to Month 12: maximum monthly top-up equals the minimum monthly top-up requirement for each plan.
- Clever Savings account cannot request a credit card.
- The Clever Savings Account allows for early closure before the maturity date.
- However, please note that there will be a fee charged for closing the account prematurely. This fee includes:
- The recalculation of the interest rate, where the basic interest rate of each plan, including tax, will be offered back to the customer.
- The insurance premium will be refunded to each plan before the remaining balance is credited to the current or savings account. The insurance fee charge includes:
Silver Plan | Gold Plan | Emerald Plan |
USD 100 OR KHR 400,000 | USD 150 OR KHR 600,000 | USD 250 OR KHR 1,000,000 |
Customers are still able to obtain insurance coverage based on the plan they have selected.
Yes, customer can choose any plan they preferred.
Silver | Gold | Emerald | |||||
|---|---|---|---|---|---|---|---|
| Month | Deposit | Amount | USD Rate P.A | Amount | USD Rate P.A | Amount | USD Rate P.A |
1 | Initial Deposit | USD 1,000 | 2% | USD 3,200 | 2.5% | USD 6,500 | 3% |
2 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
3 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
4 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
5 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
6 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
7 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
8 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
9 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
10 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
11 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
12 | Monthly Top Up | USD 200 | 8% P.a | USD 300 | 9% P.a | USD 350 | 11.75% P.a |
| Total: | USD 3,200 |
| USD 6,500 |
| USD 10,350 | |
- Medical insurance coverage will become effective one month after opening a Clever Savings account.
- If you have a silver plan, your insurance coverage will expire within one year and automatically be upgraded to the next plan in the following year.
Customers can provide insurance coverage to spouses or children.
The customer cannot change the beneficiaries of the insurance coverage.
Beneficiaries from 5 to 65 years old are eligible for insurance coverage.
Customers have the option to obtain insurance coverage in Cambodia, and worldwide.
We provide insurance coverage for hospital stays that last 6 hours or more.
Customers can contact Forte Insurance Coverage for Detail 023 885 077.
Customers can contact Forte Insurance Coverage for Detail 023 885 077.
- If you get treatment at a Forte Partner Hospital, the required documents are as follows: Your Medical Insurance membership card, Your National ID card, Employee card, Passport or an equivalent document, and The Partner Hospital will submit claim documents to Forte directly.
- If you get treatment at other licensed hospitals, submit the claim documents to Forte within 14 days of hospital discharge.