The Super Account can be easily activated on the VIB Business digital banking platform, offering a seamless, transparent, and secure experience for small businesses and entrepreneurs.
Super Account – A smart solution to turn idle working capital into daily returns of up to 4.5% p.a.
Instead of remaining a passive cost in business operations, working capital can now actively generate returns with VIB’s Super Account – offering businesses a daily yield of up to 4.5% per annum.
What’s more, liquidity remains fully intact: household businesses and SMEs can access their funds anytime just like a regular current account, while still enjoying accumulated returns.
In everyday business finance, there are often idle funds sitting temporarily – waiting for investment, supplier payments, or reserved for short-term needs. The Super Account is designed to unlock value from these in-between moments, allowing idle working capital to earn profit without compromising spending flexibility.
Activating this solution is simple: on the VIB Business digital platform, household businesses can set a balance threshold starting from VND 10 million or VND 100 million; SMEs can choose from VND 100 million, 200 million, or 300 million. Interest is applied to any amount exceeding the selected threshold. With a competitive yield and full liquidity, this account stands out among short-term investment options – combining both profitability and accessibility. Most importantly, the Super Account is fully integrated into VIB’s digital banking platform, enabling businesses to monitor balances, make transfers, and process payments effortlessly – without separating it from their day-to-day transactions.
By leveraging the full suite of VIB Business financial solutions, household businesses and SMEs gain exceptional benefits in management, capital optimization, and digitalization.
VIB builds a comprehensive digital financial ecosystem to empower Vietnamese businesses rather than offering standalone financial products, VIB has developed a fully integrated digital financial ecosystem tailored for household businesses and SMEs. This is not merely a financial solution – it is a concrete action plan to enhance the competitiveness of Vietnam’s business community.
On March 25, 2025, the Government issued Directive No. 10/CT-TTg, aiming to add at least 1 million new SMEs by 2030 while improving access to finance, credit, and high-quality human resources. To realize this ambitious goal, collaboration from the financial and banking sectors is essential. Understanding this need, VIB, in collaboration with partners such as Visa and VNPAY, introduced its comprehensive digital financial ecosystem — a strategic response to support the growth and resilience of SMEs nationwide. VIB’s SME solutions are built on three key pillars:
Smarter cash flow and expense management: With the introduction of the Supper Account, household businesses and SMEs gain a powerful tool to optimize their working capital and earn daily returns of up to 4.5% p.a. This not only boosts day-to-day financial efficiency but also provides a strong foundation for growth. Complementing this is the VIB Business Credit Card, offering up to 58 days of interest-free spending and unlimited cashback. This becomes an essential companion for businesses managing operational costs, marketing spend, or recurring purchases.
Timely and flexible access to capital: VIB provides proactive financing solutions tailored to business needs — from short-term unsecured loans of up to VND 1 billion with up to 58 interest-free days via the VIB Business Credit Card, to working capital loans through the VIB Business Loan package of up to VND 150 billion. With loan-to-value ratios of up to 90% and interest rates starting from just 6.7% per annum, these solutions help household businesses and SMEs easily reinvest, scale operations, or navigate financial peak seasons with confidence.
End-to-end digital operations to accelerate cashless payments: The VIB Business digital banking app empowers enterprises with a suite of breakthrough technologies, including SoftPOS (turning mobile phones into POS devices), QR Merchant (customized QR payment codes per store), and Voice Alert (voice-based transaction notifications). In addition, VIB partners with trusted tech providers to offer seamless integration with tools like VNPAY Invoice (e-invoicing), VNeDOC (digital contract management), and VNPAY B2B (a modern B2B payment platform). Altogether, they form a solid digital foundation for businesses to streamline operations and stay in control — anytime, anywhere.
Mr. Ho Van Long, Deputy CEO and Head of Retail Banking at VIB, shared: "For Vietnam to grow rapidly and sustainably, we need a strong business community, not only in size but also in financial management, governance, and digital transformation. That’s why VIB is committed to accompanying businesses with a comprehensive ecosystem of financial solutions. We aim to go beyond offering individual products — we focus on addressing core challenges in capital, cash flow, and operational transparency, so every business can thrive and grow with confidence."
Find out more about the Super Account for businesses [here].