PERSONAL ACCOUNT

Find the right personal banking account to help you manage your everyday income and expenses or save up for the future. At MARUHAN Japan Bank Lao, we offer 3 types of account which are Current Account, Saving Account, and Term Deposit

The Current account is suitable for individuals who need for business settlement and other payments by check or by account transfer.

Saving Accounts is suitable for the individual that has a regular income to save, this saving account is convenient for deposit and withdrawal any time needed by using passbooks and ATM card.

The Term Deposit accounts provide high income earned from variety fixed term interest rate over a specified period

Please follow the information below for the features and requirements of the specific type of account.

Features
  • The Current account is suitable for individual or corporate who need for business settlement and other payments by check or by account transfer. It is convenient for withdrawal, travel and security for deposit in big amount. 
  • Printable account statement once month without Fee charge.
  • Issue free ATM card for cash deposit and withdrawal by ATM machine for 24 hours for 7 days a week.
  • Current Account Check is available to secure other business.
Eligibility
  • Personal Accounts
  • Joint Accounts
ATM Withdrawal FeeFree
StatementUpon request.
Current period: Free
Past months: LAK40,000/USD5/THB150
PassbookN/A
Min. Account OpeningOpening LAK5,000,000/USD500/THB20,000
No Interest Account BalanceN/A
Min. Ongoing BalanceN/A
Account Service Fee
  • Cheques Book (25pcs): LAK40,000; USD5; THB150.
  • Maintenance Fee per 6 months: LAK40,000; USD5; THB150; 2times per year ( end of June and December).
RequirementsLao National: Passport, ID card or Family Book.

Foreigners: Passport or ID card for Account Holder, Work Permit and Stay Permit, Investment License (if any), Resolution (if any), Other.

Features
  • To promote savings: Saving Accounts is suitable for people or corporate that has regular income to save, this saving account is convenient for deposit and withdrawal any time needed by using passbooks and ATM card.
  • Statement of this saving account can be used as financial statement.
  • Interests credited 2 times per year: Every 30th June and 31st December.
  • You can deposit money by cash via ATM machine with 3 currencies: LAK, USD and THB
  • Comfortable…Instant withdrawal any ATM in Beconnex
Eligibility
  • Personal Accounts
  • Joint Accounts
ATM Withdrawal FeeFree
StatementUpon request.
Current period: Free
Past months: LAK40,000/USD5/THB150
PassbookFree
Min. Account OpeningLAK150,000; USD15; THB700.
No Interest Account BalanceLAK100,000; USD10; THB500.
Min. Ongoing BalanceLAK100,000; USD10; THB500.
Account Service FeeNo fee charge for Saving Account including New ATM card and Account Maintenance for monthly or annual fee.
Unless: Early Account Closure before 3 months and account become 6 months dormancy will charge: LAK40,000; USD5; or THB150.
RequirementsResident: Passport, ID card or Family Book.

Non-Resident: Passport, Work Permit and Stay Permit.

FeaturesThe Term Deposit accounts provides high income earn from variety fixed term interest rate over a specified period. Term Deposit divided into 2 types:
  • Standard Term Deposit: is a fixed deposit that provides customers the interest at the maturity date and it offers the highest interest rate.
  • MITD: is offered the monthly interest payout is suitable for people who need the monthly income from interest earned and it offers high interest rate.

This both Term Deposits can be used as a collateral to guarantee for a loan.
Eligibility
  • Personal Accounts
  • Joint Accounts
ATM Withdrawal FeeN/A
StatementN/A
PassbookA Certificate
Min. Account Opening LAK5,000,000; USD500; THB20,000.
Min. Account Opening of MITDLAK10,000,000; USD1,000; THB30,000.
No Interest Account BalanceN/A
Min. Ongoing BalanceN/A
Account Service Fee
  • Early Account Closure before maturity date will charge fee: LAK40,000; USD5; THB150.
  • Less than 3 months after opening account, no interest.
  • Over 3 months but not on maturity date, saving interest rate at the date closure is applicable.
RequirementsResident: Passport, ID card or Family Book.

Non-Resident: Passport, Work Permit and Stay Permit.