GenZ manages finances early with VPBank NEO

VTV.vn - With the support of digital banks like VPBank NEO, Gen Z can freely spend and manage their finances in a smart, modern way - both saving and enjoying.

Generation Z and the journey of learning financial management early

VPBank NEO is loved by young people thanks to its excellent user experiences.

Every morning before going to school, Minh Anh (16 years old, Hanoi ) often opens the banking app on her phone to check her remaining pocket money. "I set a weekly spending limit for myself. If I spend more than that, I won't buy any more drinks or snacks until the new week starts," she shared.

Stories like Minh Anh's are no longer rare. The average age of customers opening new cards is getting younger thanks to the policy allowing users from 15 years old to own their own payment accounts. And this will be the generation that leads personal finance trends and shapes banking services in the future. According to Decision Lab statistics in 2025, nearly 70% of Gen Z use at least one digital banking application on their phones, showing that the need to start being financially independent is becoming more popular among young people - those who are financially agile. Banks also offer many incentives to attract this potential customer source.

For example, VPBank - a dynamic bank that is very "popular" with Gen Z, young people from 15 years old can open their own online bank account via the VPBank NEO application. Opening an account only takes a few minutes - enter the phone number (which is also the account number), authenticate eKYC, and you can start using it right away. Free account opening, free maintenance, and free transfer fees for the first year on VPBank NEO - all are designed so that Gen Z can easily start their financial journey.

Not just stopping at "keeping money", VPBank NEO also creates a financial space with a strong personal touch: money transfer with cute e-cards, group bill splitting with just one touch, or paying for movie tickets, phone top-ups, food ordering... everything is integrated on the same platform.

Thanks to that, "banking" is no longer a distant concept for 15-18 year olds, but has become a natural part of Gen Z's digital life.

"Young people are learning how to manage their finances from the smallest things. When they have the right tools, forming a mindset of saving and spending responsibly will happen very naturally," said a personal finance expert. "And importantly, learning to manage finances early will help create a more financially mature generation in the future."

Spend with confidence, "touch and get" incentives

VPBank offers many incentives for young people opening accounts on VPBank NEO

Along with empowering financial mastery, VPBank also encourages Gen Z to practice smart spending with incentives specifically designed for the 15-18 age group.

When opening an account on VPBank NEO, young people are "kicked off" with a 50% cashback gift for the first transaction, up to 50,000 VND - a small incentive but enough to make the first phone top-up or bill payment exciting. After that, a series of interesting experiences continue: 50% discount on 4G data packages on the application, helping entertainment or online learning without interruption; and a BE e-voucher combo worth up to 1.2 million VND to call a car, order food or have goods delivered more conveniently.

Not only that, young people can also enjoy a 30% discount at The Coffee House, participate in "hunting for 0 VND gifts" on LynkiD gift warehouse - a gift platform linked to the VPBank ecosystem. Each transaction is not only a consumption, but also a time to receive value, from cashback to experiential gifts.

For those who are active and like challenges, VPBank also offers a laptop prize for the user with the most transactions during the program - both a motivation to explore and a way to encourage you to use financial tools every day. And if you are the one who "spreads" good financial habits, each successful referral to open an account will bring 230,000 VND into your account - a simple way for Gen Z to help you and "earn money" from their own financial journey.

These rewards not only have material value, but also serve as a gentle reminder: Spending with a plan, enjoying meaningfully - that is how young people live more fully and intelligently every day.

Source: https://vtv.vn/genz-quan-ly-tai-chinh-som-voi-vpbank-neo-100251020172510612.htm