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Key Benefits

A deposit account that offers high interest rates for customers who apply for and pay for insurance premiums under the Gain & Save program’s terms and conditions. Insured by Bangkok Life Assurance Public Company Limited.

6 month term deposit with special interest rate

Customers who are eligible to open an account and deposit funds under the program will receive a special interest rate that is higher than the regular interest rate.

Deposit Amount

Minimum of 10,000 baht per transaction, maximum of 10,000,000 baht per person.

Open Account

An account can be open at any Bangkok Bank branch, subject to the program’s specified conditions.

Additional Information

Opening New Account
  • The account applicant must be an individual, residing in Thailand, and be the insured person under the life insurance application as specified by the bank and the insurance company.
  • The account applicant must apply for a life insurance product according to the terms and conditions of the account.
  • This is a fixed deposit account with a term of 6 months, with a passbook.
  • It can only be a single account or a minor account; joint accounts cannot be opened.
  • The number of accounts per customer, the minimum amount for opening an account, and the amount that can be deposited must meet the service conditions.
Required Documents

For Thai nationals

  • ID card or any government-issued photo ID card with a 13-digit ID number

For foreigners

  • Special conditions apply. Please contact any Bangkok Bank branch
Program Conditions
  1. Customers who deposit funds into the Bualuang Super Bonus fixed deposit account for a term of 6 months must apply for a savings life insurance policy under the Gain 1st insurance plan as specified and apply for and pay for a minimum insurance premium of 100,000 baht per year per policy (annual premium payment) on the same day and at the same branch where the deposit is made. The Gain 1st life insurance savings plans participating in the program are as follows:
    • Gain 1st Speed Up 15/8
    • Gain 1st 810
    • Gain 1st Savings TenX (15/10)
  2. The insured customer and the customer who is the owner of the Bualuang Super Bonus fixed deposit account must be the same person.
  3. Customers are eligible to open only one Bualuang Super Bonus fixed deposit account, with a minimum deposit of 10,000 baht per deposit per policy. They may make up to three deposits spread over three days, provided they buy three eligible bancassurance policies. Each deposit must not exceed the first-year insurance premium of the insurance policy they are buying, with a maximum total deposit of 10,000,000 baht per account.
  4. Customers can make one deposit per day per policy. If customers apply for more than one life insurance policy on the same day, the bank and the insurance company agree to grant program benefits to only one policy with the highest insurance premium.
  5. Customers will receive special interest rates under this program upon the completion of the 6-month fixed deposit period, provided that the life insurance policy that the customer applied for is valid and there have been no withdrawals from the deposit account.


However, if there are any program violations, such as the insurance company refusing to underwrite the life insurance, or the customer deposits funds exceeding the insurance premium, or the customer requests to cancel the insurance policy within 15 days from the date of receiving the policy (Free Look Period), or surrenders the policy, or exercises any rights under the policy, or the life insurance contract terminates for any reason before the deposit maturity date, the customer will receive interest at the regular fixed deposit rate for a 6-month period as specified in the bank's announcement on the date the customer made the deposit.

Note: Account applicants should understand the details, coverage, and conditions before making a purchase of any insurance. Project period from May 8,2025 - July 8,2025

Transaction Channels
  • Opening an account and depositing funds into the Bualuang Super Bonus fixed deposit account with a term of 6 months must be done on the same day and at the same Bangkok Bank branch where the customer applies for life insurance.
  • Deposit/withdrawal/transfer transactions can only be made through Bangkok Bank branch channels. (Partial withdrawals are not allowed; only full withdrawals of the deposit amount are permitted.)
Deposit Protection
From August 11, 2021 Thai baht deposits are protected under the Deposit Protection Agency Act up to a maximum of one million baht per depositor per financial institution.

More information available at Deposit Protection Agency website www.dpa.or.th
Bualuang Super Bonus Account Document
Product Catalog Sales Sheet Terms and Conditions

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