Many banks are adopting a fee policy based on average balances to limit “dormant” accounts.

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Illustration photo (MB).

According to the current fee schedule of banks, account management fees are regulated by banks as follows:

Sacombank charges a fee of 6,000 VND/month for accounts with an average balance of less than 500,000 VND/month. Other service packages at this bank such as payment accounts with payment cards, Alert-Automatic transaction notification via Sacombank Pay, Sacombank Pay, Alert SMS-Automatic transaction notification... have fees ranging from 10,000 - 20,000 VND/month depending on the balance condition.

At Vietcombank , the account management fee is usually 2,000 VND/month, while the general account management fee is 10,000 VND.

The account management service fee at BIDV is set at VND5,000/month for accounts with an average balance of less than VND2 million; VND3,000/month for accounts with an average balance of VND2-10 million, while accounts maintaining an average balance of VND10 million or more will be free.

For VietinBank customers, the fee for maintaining a payment account if not registering for eBanking service is 3,000 VND/month, while the fee for an inactive account is up to 10,000 VND/month.

At VPBank, payment accounts that maintain an average balance of VND2 million or more will be free. Below this level, the bank charges a fee of VND10,000/month.

At TPBank, the fee is set at VND8,000/month, while LPBank and Agribank apply a fee of only VND5,000/month.

In general, banks' account management fee policies are aimed at encouraging customers to maintain a large enough balance in their payment accounts, in order to take advantage of non-term deposits.

In addition, banks also want to clean up accounts by limiting "dormant" accounts.

In other words, account management fee is a type of fee that customers must pay to the bank to maintain their payment account. However, banks today have a policy of free account maintenance for all priority membership levels with regulations that are not difficult to meet.

According to the latest data updated by the State Bank of Vietnam (SBV), as of November 14, the entire banking industry had more than 136.1 million individual customer records (CIF) and more than 1.4 million corporate customer records that were biometrically verified via chip-embedded ID cards or the VneID application.

In ensuring security and safety in payment activities and preventing high-tech crimes in the banking sector, the State Bank has piloted an information system to support management, supervision and risk prevention for customers (SIMO).

By the end of October 31, 2025, more than 1.7 million customers had received warnings, of which more than 567,000 customers had suspended/cancelled transactions after the warning, with more than VND 2,200 billion.

Source: https://vietnamnet.vn/phi-quan-ly-tai-khoan-dang-duoc-cac-ngan-hang-quy-dinh-ra-sao-2468406.html