Ever been there? Cash sitting idle in your savings account and every time you want to move it into a mutual fund, you're stuck transferring money, switching accounts, jumping between apps. Or maybe you've watched the stock market dip to a support level but by the time your transfer clears, the price has already bounced back.

If you've been looking for the flexibility to earn strong interest on your savings and invest instantly, all from one account, we've got good news. The latest upgrade to the KKP SAVVY savings account is here to help your money grow.

KKP SAVVY isn't just a regular savings account. It's designed for anyone who wants to save consistently while keeping their funds investment-ready.

On top of the base interest rate of up to 1.20% p.a.*, the longer you keep your money deposited, the more you earn with the Better Bonus - an extra rate of up to 0.15% p.a.*. The system automatically tracks each deposit separately at the end of every day, based on how long it's been held.

• Held 91–180 days: +0.05% p.a.*
• Held 181–365 days: +0.10% p.a.*
• Held 366 days or more: +0.15% p.a.*

No more mixing your money into one big pool and losing track of it. With KKP SAVVY, you can divide your money into 20 boxes across 5 categories: Essential Cost, Guilt-free Spending, Saving Goals, investment and Emergency.

Create a box for mutual funds, one for Thai stocks, one for tax-deductible savings - name them however you like. In an instant, you'll have a clear picture of exactly how your money is allocated, with no risk of accidentally spending your investment funds.

It's not just about earning more interest than an ordinary savings account. KKP SAVVY also makes it effortless to switch from saver mode to investor mode, right from the KKP Better app.

Whenever you spot an investment opportunity or simply want to put your money to work, you can invest directly from your KKP SAVVY account into stocks or mutual funds. No need to open a separate investment account or wait around.

At this point, you might be wondering...how is the new KKP SAVVY different from KKP SMART SETTLEMENT, our existing account built for investors? Here's a quick guide to help you find the right fit.

You want to build a savings habit and watch your money grow steadily over time. Open an account yourself through the KKP Better app - no minimum balance, no lock-in period - with the Better Box feature to help your financial planning and the option to start investing whenever you're ready.

You're an KKP EDGE or KKP Wealth client with assets of 2 million baht or more. And you want close, personalised investment guidance from an expert. You can open an account at any Kiatnakin Phatra Bank branch near you.

Good saving habits should bring you closer to your goals - without limiting your freedom to live life on your terms. That's exactly what KKP SAVVY is built for! Interest that outpaces a standard savings account, plus easier access to investing whenever you're ready.

Warning: Investors should understand the product characteristics, terms and conditions, returns, and risks before making investment decisions.

KKP Better app by Kiatnakin Phatra Bank is a service channel of Kiatnakin Phatra Securities Public Company Limited.

*Interest rates, terms and conditions are subject to Kiatnakin Phatra Bank's criteria and requirements. Please study the product information in detail.

**The base interest is paid twice annually on 30 June and 31 December. / The bonus interest is paid twice annually on 25 June and 25 December.

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