According to the bank, in personal finance management, the challenge extends beyond increasing income to effectively organizing and managing cash flow. Most personal cash flow is handled simply: idle money is saved and withdrawn when needed. This model suits stable and unchanging plans. However, in the current environment, individuals often pursue multiple financial goals simultaneously, requiring cash flow to constantly shift between spending, contingency, and accumulation.

Reflecting this trend, accumulation is not merely saving money but has evolved into a tool for organizing cash flow according to specific goals. VIB's Sinh loi duo and iDepo are designed with this approach, helping to separate two fundamental needs: short-term flexibility and medium-to-long-term accumulation.

Customers using VIB iDepo. Photo: VIB

The VIB Sinh loi duo comprises the Super Yield account and the VIB Smart Card, catering to modern personal finance management needs. With the Super Yield account, funds awaiting expenditure can earn daily returns, with yields of up to 4,3% per year. Users can withdraw, transfer, or make payments at any time without losing accumulated interest. The VIB Smart Card offers up to 5% cashback on every online transaction.

According to VIB, this second instance of earning occurs at the moment users spend, ensuring that idle cash flow does not remain stagnant with the Sinh loi duo. Users can rotate their cash flow according to spending patterns and personal plans, while still maintaining good earning potential.

For the second accumulation layer, VIB iDepo is designed for medium-to-long-term financial goals. The product allows users to deposit funds in fixed denominations starting from 50 million dong, with common terms such as 24 or 36 months, earning interest rates of up to 7,4% per year (depending on customer segment and deposit amount). A notable feature is that iDepo offers multiple periodic interest payment methods, such as one, three, or 6 months per installment. Unlike traditional savings, this solution includes a flexible transfer feature. Should a need arise to access funds before maturity, owners can transfer their iDepo balance while preserving accumulated profits, rather than making an early withdrawal and incurring interest loss. The entire process of depositing, monitoring, and transferring can be completed online via the MyVIB app, integrating accumulation with a digital banking experience.

According to a bank representative, the core value of combining the Sinh loi duo and iDepo lies not in each product individually, but in how they complement each other to form a comprehensive personal cash flow management tool. Funds requiring daily flexibility are placed in the Sinh loi duo. Meanwhile, funds allocated for medium-to-long-term goals are invested in iDepo to leverage its interest rates and flexible transfer mechanisms.

This organizational method enables cash flow to operate as a multi-layered system, reducing the pressure of making "gain-or-loss" decisions whenever plans change. The solutions create a balance between two elements often seen as opposing in personal finance: profitability and proactivity. From a broader perspective, the solution reflects a trend towards proactive and structured personal finance management. When money is allocated by goal from the outset, financial plans can operate more stably and adapt better to annual fluctuations.

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By using the Super Yield account, customers receive a free 6-digit "lucky" account number, facilitating a smooth start to their financial management journey. From now until 28/2, eligible iDepo transactions will receive an 88,000 dong cashback directly into their payment account. For more details, see here.