VIB launches Super Yield account for businesses with yield up to 4.5%/year

(Dan Tri) - Vietnam International Bank (VIB) has just launched a Super Yield account for business households and small and medium enterprises on VIB Business digital bank - an account that generates daily profits on working capital - with a yield of up to 4.5%/year.

This is a new step in VIB 's strategy to accompany business customers to improve capital management efficiency and increase profits from working capital. By the end of May 2025, the Super Yield account will also be available on VIB's corporate Internet banking.

Super Yield Account - a solution for working capital with profits up to 4.5%/year

Instead of just being a source of expenses for business operations, now, with the VIB Super Yield account, working capital can automatically operate and bring daily profits to businesses up to 4.5%/year. The liquidity of this capital is completely guaranteed when businesses and enterprises can spend at any time like with a regular payment account and enjoy the accumulated profits.

In fact, in the financial operations of a business household, the enterprise always has temporary idle funds from the working capital flow. It can be a part of capital waiting for investment, revenue that has not yet reached the payment deadline for suppliers or short-term reserve funds. The Super Yield Account is the solution to these gaps, where the unused working capital of the business household and enterprise can generate profits while still ensuring flexibility in use.

Accordingly, after activating the feature on VIB Business, business households only need to choose a maintenance threshold of 10 or 100 million VND; for enterprises, the maintenance threshold is 100 million VND, 200 million VND or 300 million VND, and interest is applied to the amount exceeding the threshold. This solution ensures liquidity as well as maintains accumulated income. More importantly, all accounts are integrated into digital banking, helping business households and enterprises easily track, transfer, and pay in just a few steps, without having to separate them from daily transaction cash flows.

Take advantage of the full suite of VIB Business financial solutions to enjoy many outstanding benefits.

VIB builds a comprehensive digital financial ecosystem for businesses.

On March 25, the Government issued Directive No. 10, setting a target that by 2030 Vietnam will have at least 1 million new small and medium-sized enterprises, while increasing access to finance, credit and high-quality human resources for businesses. Realizing this goal requires the cooperation of the financial and banking systems.

Understanding that need, instead of providing individual products, VIB has built an integrated ecosystem, with the participation of Visa and VNPAY , the comprehensive digital financial ecosystem from VIB is not only a financial solution, but also a specific action program to improve the competitiveness of the Vietnamese business community. The three main pillars of VIB's financial and digital solutions for businesses include:

Effective cash flow and spending management: With the presence of the Super Yield account, businesses and enterprises will be equipped with an additional smart cash flow management tool, increasing financial efficiency every day. In addition, the VIB Business Card corporate credit card product with interest-free period up to 58 days, or unlimited cashback for all spending, becomes an assistant for businesses that need to manage operating costs, marketing or periodic purchases.

Proactive and timely capital: VIB provides short-term unsecured capital up to 1 billion VND with 58 days of interest-free credit via VIB Business Card credit card and VIB Business Loan working capital supplement loan package supporting up to 150 billion VND, loan ratio up to 90% of collateral value, interest rate from 6.7%/year, helping business households and enterprises easily reinvest, expand business or handle financial peak periods.

Comprehensive digitalization of operations, promoting cashless payments: VIB Business digital banking application integrates a series of breakthrough technologies such as SoftPOS (turning phones into POS machines), QR Merchant (generating unique QR payment codes for stores) and Voice Alert (voice-based transaction notifications). In addition, there are a series of solutions from partners such as VNPAY Invoice (electronic invoices), VNeDOC (digital contract management), VNPAYB2B (modern B2B business payment system).

Mr. Ho Van Long, Deputy General Director and Director of VIB Retail Banking, said : "To develop quickly and sustainably, Vietnam needs a strong business community, not only in terms of scale but also in terms of management capacity, finance and digital transformation. This is the reason why VIB chooses to accompany businesses with a comprehensive financial solution ecosystem. We do not only provide products, but also aim to remove the biggest bottlenecks of businesses, from capital, cash flow to operational transparency, so that each business has the opportunity to grow strongly."

Learn more about VIB Super Yield Account for businesses here.

Source: https://dantri.com.vn/kinh-doanh/vib-ra-mat-tai-khoan-sieu-loi-suat-danh-cho-doanh-nghiep-voi-loi-suat-den-45nam-20250525103359899.htm