Celebrating 29 years of groundbreaking inventions benefiting countless consumers.
In 2025, VIB, a trailblazing bank in Vietnam, reshaped the traditional financial landscape with technology and flexibility, introducing the Super Yield Account offering an interest rate of up to 4.3% per year. This innovative product marked a significant milestone in VIB's mission to herald a new era of personalised banking.
Since its inception in 2017, VIB has experienced exponential growth, with its user base expanding 30-fold to serve over 70% of retail customers and handle millions of daily transactions. The bank's success is reflected in its market dominance, holding nearly 7% share of both total credit cards in circulation and newly issued cards.
VIB's credit card offerings have received international recognition, winning multiple awards. Its credit card base has grown 10-fold in seven years, reaching one million cards. VIB's average card spending is 50% higher than the market average, positioning it among the top three banks for credit card spending and the top Vietnamese bank for Mastercard's credit card spending.
The bank's digital platform, MyVIB, has been a game-changer. In 2024, it was recognised by Global Business Outlook as the "Most Innovative Digital Banking Application in Vietnam". In 2025, it was awarded the "Most Innovative AI Application in Digital Banking" and "The Most Breakthrough AI Application in Digital Banking" at the International Finance Awards.
MyVIB allows customers to personalise everything from card design to spending features, fostering a sense of ownership and connection. It also leverages big data and AI to listen and gain insights into customer demand, pioneering the integration of digital behavioural data into internal processes.
VIB's brand campaigns aim to create memorable experiences that build long-lasting bonds with customers. The bank has shaped the image of a youthful bank, closely connected to cultural life.
In addition to the Super Yield Account, VIB has updated its iDepo account service with attractive interest rates up to 6.2% and flexible transferability. The bank has also launched a suite of high cashback international debit cards with no minimum spending requirement.
VIB's commitment to speed and efficiency is evident in its ability to value assets within one minute and cut loan approval times for housing loans to just 4-8 hours, a stark contrast to several days in the past.
In a world where technology and customer-centricity are key, VIB stands out as a bank that puts customers at the centre and uses technology as a strength. Through creativity, speed of innovation, and personalised financial solutions, VIB has made a significant impact in the banking sector in Vietnam.
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