Savings

Tax-Free Fixed Deposit 

KKP e-TAX FREE

KKP e-TAX FREE : Tax-Free Fixed Deposit

Up to 1.75% interest rates!* Enjoy tax-free earnings, starting from just 500 baht per month.

KKP e-TAX FREE Fixed Deposit

A tax-free deposit account is a savings plan where you deposit the same amount every month, consistently, until the end of your agreed term. The key condition is simple: no withdrawals before the maturity date. Think of it as a built-in commitment to yourself to save with real discipline - and in return, you get a valuable tax benefit: your interest earnings are fully exempt from the standard 15% withholding tax that applies to regular savings accounts.

KKP e-TAX FREE Account Interest Rates

With KKP e-TAX FREE, you keep every baht of interest you earn - no tax deducted. The account also gives you the flexibility to choose from 2 savings plan durations, designed to fit wherever you are on your financial journey.

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KKP e-TAX FREE : Deposit Conditions, Limits & Interest

Getting started with KKP e-TAX FREE is straightforward. The conditions are easy to understand and built to help you build financial discipline that actually sticks. Whatever your savings goal looks like, you can start with confidence - thanks to flexible terms and benefits designed with modern savers in mind.

No tax deduction

on deposit interest 

Receive full

interest amount 

Monthly deposits required 

Start with just

500 baht 

Goal-oriented savings 

24 or 36 months 

Open an account easily through

KKP Better 

No hassle,

no branch visit needed  

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High interest with tax benefits 

KKP e-TAX FREE is a tax-free fixed deposit account designed to help you build consistent saving habits while earning worthwhile returns because the interest you earn is not subject to withholding tax deduction. 

Easy start, no complexity 

Deposit just 500 baht per month - no need for a large lump sum. Plus, receive SMS reminders so you never miss your monthly savings goal. 

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Flexible plans for your lifestyle 

KKP e-TAX FREE is designed with flexibility at its core. You can choose a deposit duration that works for you and aligns with your future financial plans - whether you're saving toward a mid-term goal or thinking further ahead, there's a plan that fits just right.

 

24-Month Plan : 1.70% interest p.a.*

  • 2 years is perfect for medium-term goals, for those who want to start building saving discipline with fixed deposits - not too short or too long. Monthly deposits from 500 - 25,000 baht. 

36-Month Plan : 1.75% interest p.a.*

  • 3 years is ideal for long-term goals, for those who want to maximize their interest earning potential. Monthly deposits from 500 - 16,500 baht. 

Why Open a Fixed Savings Account with KKP?

The KKP e-TAX FREE account is built for people who are serious about growing a lump sum. Beyond keeping your full interest tax-free, it comes with benefits that make the whole savings experience smoother and simpler.

  • Strong Returns : KKP's interest rates are among the most competitive and rewarding in the market.
  • SMS Deposit Reminders : KKP sends you an SMS alert when your monthly deposit is due, so you never miss a payment and always stay on track for your tax exemption.
  • Full Digital Convenience : Manage your money, set up auto-debit, and check your balance anytime, 24/7, through the KKP Better app.
  • Safe & Fully Protected : Your deposits are protected by the Deposit Protection Agency in accordance with the law.

Open an account easily

through KKP Better 

Experience Better Saving today. Simply open an account via KKP Better app with no minimum balance and no branch visit needed. For detailed terms, download instructions and the identity verification process, visit How to Register for KKP Better App and Verify Your Identity.

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FAQ

There are 3 key factors to consider when choosing a bank: interest rate, ease of depositing and reminders to help you stay consistent. KKP e-TAX FREE by Kiatnakin Phatra Bank is a strong option that's often recommended among investors - it offers a competitive interest rate in the market and comes with an easy-to-use app, so you can manage everything without visiting a branch.

Under Revenue Department regulations, each individual can hold only one tax-free fixed deposit account. So choosing a bank that offers a high interest rate with solid support - like KKP - is really the best way to make the most of that one account you're entitled to.

You can withdraw, but it has to be a full withdrawal - meaning the account will be closed. You won't be able to take out just a portion. As a result, the tax exemption benefit will no longer apply, and the bank will recalculate your interest based on the early withdrawal terms. For example, if you've been saving for less than 3 months, you won't receive any interest at all. If it's been more than 3 months but hasn't reached the end of the term, interest will be recalculated at the standard savings rate and subject to 15% withholding tax.
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ฝากเงินมั่นใจ ภายใต้ความคุ้มครองเงินฝากของ สคฝ.

  • Interest rates, terms and conditions are subject to Kiatnakin Phatra Bank's criteria and requirements. 

Discipline leads

to your dream future 

500 baht per month may sound small, but over time, it grows into a substantial sum that helps you write your life story and achieve the goals you desire.