VPBank updates fee policy applicable to inactive overdraft accounts and reactivated overdraft accounts

In order to optimize account management activities and ensure that the quality of Overdraft services always goes hand in hand with customers' financial needs effectively, from August 2, 2025, Vietnam Prosperity Joint Stock Commercial Bank (VPBank) has updated and officially applied the maintenance fee for inactive Overdraft accounts and the Overdraft account reactivation fee.

The fee policy for Inactive Overdraft Accounts & Reactivated Overdraft Accounts is effective from 02/08/2025 (until further notice from VPBank ). Specifically as follows:

Fee Type	Condition	Applicable fees
Dormant Overdraft Account Maintenance Fee (Monthly fee from the following month after conditions are met)	Overdraft account inactive for more than 03 months	0.1% on the granted limit (minimum 10,000 VND)
	Overdraft account inactive for more than 06 months	0.2% on the granted limit (minimum 10,000 VND)
Overdraft account reactivation fee (One-time fee charged at the end of the day the account is reopened)	Customer reopens Overdraft Account within 03 months from closing	50,000 VND
	Customers reopen Overdraft Account from 04 - 06 months from closing.	25,000 VND

Through this adjustment policy, VPBank expects that overdraft products will effectively accompany your financial plans.

✔ Effective account management: Support customers to proactively manage their Overdraft accounts effectively, avoiding unnecessary costs.

✔ Make the most of your Flexible Overdraft limit: Encourage customers to proactively maintain an active Overdraft account, thereby making the most of your flexible overdraft limit to meet their financial needs.

✔ Enhance experience: by ensuring the maintenance of sustainable and quality Overdraft services, thereby bringing the best experience to Customers.

To proactively control Overdraft account activities, you can do it quickly by: Accessing VPBank NEO application > Select Unsecured Overdraft to check the current limit and outstanding balance.

Detailed information about the fee will be sent to you by VPBank via notification on the VPBank NEO application.

For more details, please contact hotline 1900 54 54 15 (for Standard Customers) / 1800 54 54 15 (for Priority Customers).

 

Source: https://www.vpbank.com.vn/tin-tuc/tin-vpbank/2025/vpbank-cap-nhat-chinh-sach-phi-ap-dung-voi-tk-thau-chi-dong-va-tk-thau-chi-tai-kich-hoat