Accounts with balances under 500,000 VND/month will be charged a management fee.

According to the announcement, Eximbank will charge an account management fee of VND11,000/month for accounts with an average balance of less than VND500,000/month, effective from December 1. Previously, the average balance in the month to be exempt from account management fees according to Eximbank's regulations was VND300,000/month.

In addition, this bank also charges SMS Banking service fees for Gold and Platinum individual customers since December, at VND90,000/quarter/subscriber and is free for Gold and Platinum customers participating in the Combo Casa package.

The policy of charging SMS Banking fees based on the number of messages has been implemented by banks for over a year. This is to encourage customers to switch from paid SMS banking services to free OTT services (services for managing balance fluctuations on banking applications) to help save costs for both customers and banks.

Recently, Vietnam International Commercial Joint Stock Bank (VIB ) also implemented a new fee policy from December 2025. Payment accounts that do not generate any transactions for 12 consecutive months or more will be charged a fee of VND 10,000/month (excluding VAT), called the "personal account freezing" fee.

For inactive accounts with insufficient balance to collect fees, VIB will deduct the remaining balance into the prescribed fees; the uncollected fees will be waived for customers.

VIB recommends that if customers no longer need to use the account, they can go to a branch/transaction office to close the payment account.

The above move shows that the bank is making efforts to clean up customer data and only maintain “live” accounts according to the general policy of the entire industry.

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 October 31, 2025, there were more than 1.7 million visits. Customers received warnings, of which more than 567 thousand customers paused/cancelled transactions after the warning, with more than 2,200 billion VND.

Source: https://vietnamnet.vn/account-under-500-000-dong-thang-se-bi-thu-phi-quan-ly-2468067.html