Be part of a global banking network

BFL Bank, which has been created in 2010 in the Lao P.D.R, is celebrating its 10 years of operations in the country. Our team wish to thank the bank's clients for their continuous trust in our services, and to our partners for their continuous support. 

This anniversary reflects the next chapter for the company, where as the first european bank in Lao P.D.R, we are emphasizing on our commitment of building long term partnerships with our local and international clients.


Message du CEO de la BFL, Arnaud Caulier:

Né d'un partenariat entre la BRED (une banque française) et BCEL, l'identité de la Banque Franco Lao - BRED Group allie un savoir faire à la française avec une présence locale. Le groupe BRED a été créé en tant que banque coopérative par des entrepreneurs en 1919 et a conservé cet esprit entrepreneurial depuis sa création, ainsi qu’une forte implication dans les communautés locales et dans la promotion de nouvelles initiatives.
L'innovation dans le secteur bancaire est devenue essentielle, non seulement en terme de solutions numériques, mais aussi grâce aux conseils à valeur ajoutée que nous proposons à nos clients. Ce que nous voulons mettre au cœur de nos actions, c’est une meilleure compréhension des projets de nos clients, afin de créer une proximité et des partenariats solide, grâce à des banquiers dédiés, réactifs aux différents besoins de nos clients et proposant des solutions sur mesure.

BFL Bank Laos is part of BRED Bank:

We believe that our mission is also to participate in the local and sustainable development of Laos. For these reasons, we initiated BFL Corporate Social Responsibility (CSR) program, which focuses on three main themes: 'Banking on Women', 'Financial Inclusion' & 'Community Investment" (click here for more information).

We have been named the best bank for Lao SMEs for several years and we regularly conduct “access to finance” training as part of our Banking on Women initiatives, to help Lao women entrepreneurs and young women upskill and learn how to create a business plan, access credit opportunities, etc.

This year (2020-2021) BFL is celebrating its 10 years of operations in Laos, while keeping innovation, entrepreneurship and social involvement always at the heart of its mission!



BRED Group provides a wide array of services ranging from retail and business banking to corporate banking, private banking, asset management, insurance, private equity, FX, derivatives, all kinds of investment and hedging solutions. Today, BRED is a strong french banking group with:


Total group


in € Millions

Net Profit

in € Millions


BFL BRED Bank is a subsidiary of BRED Banque Populaire, a member of the BPCE Group, the 2nd largest banking group in France, serving more than 31.2 million customers, employing more than 100,000 people worldwide, and counting 9 million cooperative shareholders. BPCE has an A/A+ rating, and is one of the banks with the highest possible international standards.


BFL Bank Fixed Term Deposit
 for individual accounts is an ideal solution if you do not require immediate access to your funds and want to invest your money for a specific period with the security of a fixed rate of return.

Enjoy convenient interest payments

It is an easy, transparent and fast way to grow your savings. We offer competitive interest rates, up to 6.77%, and term options from 3 months to 3 years
Visa card benefits from BFL Bank Laos

Monthly Interests Payments


Visa card benefits from BFL Bank Laos

Upfront Interest Payments


Visa card benefits from BFL Bank Laos

At Maturity Interest Payments


BRED Bank Guarantee on deposits: benefit from a fully secured investment solution

Get the option of a high liquidity savings solution that will maximise earnings on your deposits, while offering the highest level of security

Eligibility & conditions

(1) Ensure you respect below requirements:
  • - You live or work in Lao PDR
  • - Provide a valid ID (or Passport), and all necessary identification documents
(see Terms & Conditions) 
  • - Minimum Opening Balance: (LAK) 85,000,000
  • - Receive the interest payment to a BFL Current Account
(free opening, included with the Fixed Term Deposit Account)
(2) Read & ensure you agreed with below terms:
  • - In case of account closure before the maturity date, a penalty rate as well as an additional charge will apply.
  • To know more about our penalty rates, click here

(3) You are now good to start your account opening

Stay up to date

Subscribe to our newsletter. We'll send you Email Notification every time When we will release news.

Please, enter your e-mail address Mail address is not not valid