Previously, users opened payment accounts solely for spending; the money in these accounts did not earn interest, thus called "sleeping money." To earn interest, users had to deposit funds into term savings, accepting capital lock-up and a loss of flexibility.

"If this cash flow is managed intelligently, not only individuals benefit, but the entire economic system also becomes more dynamic", a VIB executive stated.

The Super Yield account and VIB Smart Card, VIB's profitable duo, help money in payment accounts earn interest. *Photo: VIB*

In September 2025, VIB launched its Profitable Duo: the Super Yield account and the VIB Smart Card. With the Super Yield account, individual customers can receive an interest rate of up to 4.3% per year on balances up to 20 billion VND, without capital lock-up, and with an activation threshold starting from 5 million VND. The Smart Card offers up to 5% cashback for online transactions. When combined, users can enjoy cumulative benefits of up to 9.3%.

VIB also added an installment payment feature to international debit cards, a benefit previously exclusive to credit cards. International debit cardholders can convert transactions into installments directly via the application, while still receiving cashback according to the Smart Card's preferential policy.

Beyond individual customers, VIB extended the Super Yield account to businesses and household businesses. This group benefits from an interest rate of up to 4.5% per year on working capital up to 5 billion VND, with activation thresholds ranging from 10 to 100 million VND. Funds continue to circulate normally for business operations while earning daily interest.

Promotional activities for VIB's Super Yield account. *Photo: VIB*

According to a VIB representative, payment accounts are gradually transitioning from a "temporary parking spot" to a genuine financial management tool, where cash flow can actively earn interest without sacrificing spending flexibility. Amid the growing application of AI and big data in digital banking, the bank has helped change perceptions, transforming payment accounts into flexible, daily-earning financial instruments.

VIB is a prominent commercial joint-stock bank in Vietnam, distinguished by its retail and digital banking sectors. For several years, its MyVIB digital bank has been recognized for innovation, utilizing Cloud, big data, AI, and GenAI technologies to personalize customer experiences. VIB consistently introduces new financial products, optimizing cash flow and enhancing user benefits.

Van Ha