According to a bank representative, VIB's Super Interest Rate account for household businesses and SMEs offers daily returns of up to 4.5% annually, allowing withdrawals at any time while retaining accumulated interest. This product meets the short-term cash optimization needs of many household businesses and small and medium-sized enterprises (SMEs), which often rely heavily on working capital and frequently incur payments and contingencies.

Previously, businesses often deposited temporarily unused funds into short-term savings accounts. While this earned interest, early withdrawals resulted in lost interest. With the Super Interest Rate account, household businesses and SMEs only need to activate the feature on the VIB Business app and select an appropriate threshold. Any balance exceeding this threshold automatically earns interest. At the same time, businesses can use the funds at any time without losing accumulated interest.

The Super Interest Rate account helps businesses earn up to 4.5% annually on idle cash. Photo: *VIB*

Quynh Anh, owner of a wood furniture company in Binh Duong, said that previously, to optimize capital, her business had to open an additional account for savings. Now, by simply maintaining funds in the Super Interest Rate account, interest is calculated daily, transparently, and automatically.

According to Minh Quan, director of a food company in TP HCM, his company usually maintains around 300-500 million VND for purchasing materials and paying suppliers. Previously, this money didn't generate any additional value. "Using the Super Interest Rate account, we earn several million VND in interest each month without having to change any operational procedures," Quan said.

A VIB representative stated that Super Interest Rate is a key part of the comprehensive VIB Business financial solution suite, combining working capital tools, operational utilities, and cash management. This suite is designed to help household businesses and SMEs optimize daily profits, manage cash flow effectively, and maintain operational flexibility.

Capital sources within VIB Business are diverse, meeting all business needs. When a large amount of capital is needed for expansion or peak seasons, customers can access quick disbursement secured loans of up to 150 billion VND with an interest rate of approximately 6.7% per year. For operational expenses, they can utilize an unsecured credit limit of up to 1 billion VND from the VIB Business Card, enjoying interest-free periods of up to 58 days.

Combining the Super Interest Rate account with the business card offers a double advantage: 0% interest unsecured credit for expenses, while idle funds continue to earn up to 4.5% interest annually. This combination helps reduce costs and enhances capital utilization efficiency.

In terms of financial management, the VIB Business app acts as a "control center" for cash flow. Household businesses and SMEs can monitor all income and expenses, allocate spending limits on business cards directly from their phones, use digital payments via QR codes or softPOS, and receive instant voice notifications through the Voice Alert feature.

The VIB Business Card also helps optimize cashless payments and leverages value-added tax refund policies. Even if the recipient doesn't have a POS machine, cardholders can still transfer money through the card thanks to the BPSP (Business Payment Service Platform) developed by VIB in collaboration with Visa and VNPAY on VNPAYB2B.

In addition to financial solutions, VIB also provides non-financial support such as a one-year complimentary e-invoice subscription from partners and integration with eTax Mobile for direct tax declaration and payment via phone.

Hoang Dan

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