What is the Government Savings Bond Aom Plus? Start Investing from 100 Baht, How to Buy, and Check Interest Conditions Here

Details of the “Government Savings Bond Aom Plus” have been released, allowing investment starting at just 100 baht with interest rates up to 2.80% per year. The goal is to build a culture of saving among the population, reduce fiscal financial burdens in the medium to long term, and prepare for an aging society.

What is the Government Savings Bond Aom Plus, and when is it available for purchase?

On 31 July 2026, the government launched the first sale of the "Government Savings Bond Aom Plus," with a total value of 2 billion baht via the Paotang app, on a first-come, first-served basis. This initiative aims to provide an easily accessible saving and investment option for the public. The government hopes it will serve as a tool to address major structural challenges facing the country. Many Thai people still lack savings sufficient to cover six months of essential expenses, while household debt remains high at over 86% of GDP, ranking among the highest in the region. Moreover, Thailand's savings rate has steadily declined from 27.7% of GDP in 2014 to 25.3% most recently. As the country rapidly transitions into a fully aged society—with 53 provinces now having over 20% elderly population—many elderly Thais lack financial security, potentially impacting the nation's fiscal system in the medium to long term.

How to purchase the Government Savings Bond Aom Plus

• You can start investing with only 100 baht, receiving a fixed interest rate of 1.80% per year for a 3-year bond, and 2.80% per year for a 10-year bond. Purchases can be made through the Sbm wallet on the Paotang application starting 31 July 2026.
• The Bond Connect Platform allows those with securities trading accounts to invest starting from 1,000 baht via participating commercial banks, securities companies, and the Streaming application from 3-5 August 2026.

What are the benefits of the Government Savings Bond Aom Plus?

1) For households: It encourages regular monthly saving discipline with returns that are more attractive than typical deposit rates, linking to actual investment portfolios. This represents a first step toward retirement security, which is increasingly important as many elderly Thais lack financial buffers.

2) For the capital market: The bond supports a transparent and liquid secondary market, enhancing Thailand’s capital market infrastructure. It connects traditional savings bonds with the Digital Investment Ecosystem, supporting goals to revive the country's declining savings rate over nearly a decade, aiming for renewed strength in this investment year.

3) For fiscal policy and demographic structure: Expanding the domestic saver base is part of diversifying government fundraising tools. This not only helps stabilize public debt but also prepares the country to face an aging society that is arriving faster than many anticipated. Providing working-age people with stable long-term saving tools will reduce the future burden on the nation’s fiscal and financial systems.