Profitable Working Capital Solutions with VIB’s Super Interest Rate Account for Businesses

Super Interest Account – A solution to make working capital self-employed

Developed from the philosophy of optimizing cash flow value anytime, anywhere, the Super Interest Account for businesses is one of VIB’s outstanding features, aiming to unlock the profit potential of working capital. Now, the temporary idle balance in the business payment account can earn interest daily with an attractive yield of up to 4.5%/year. Businesses can take advantage of every dong of short-term capital to optimize efficiency without any complicated procedures or restrictions on terms and withdrawal penalties…

The balance exceeding the minimum threshold registered by the business will automatically earn interest daily, with full transparency and autonomy. Businesses can use the capital at any time for periodic payments or unexpected expenses without missing out on profit opportunities. As a result, working capital not only serves operations but can also be employed intelligently, sustainably, and efficiently.

All households and businesses can use the Super Interest Account to optimize their capital

On May 16, 2025, VIB officially launched the Super Interest Account for households and small and medium-sized enterprises (SMEs) on the VIB Business digital banking platform. After two weeks, the Super Interest Account was also introduced on VIB’s Internet banking for large enterprises. Now, to experience the practical value of the daily interest-earning capability of the Super Interest Account, millions of businesses and households nationwide can easily activate this feature on the VIB Business (SMEs and households) or Internet banking for large enterprises.

VIB’s Super Interest Account is now available on Internet banking for large enterprises

This also marks an important milestone, affirming VIB’s strategic orientation in vigorously promoting profit-making tools to businesses of all sizes, from households to SMEs and large enterprises. The expansion of the target audience not only demonstrates VIB’s technological capabilities and system safety but also proves its commitment to creating real value for business customers. In the context of businesses’ working capital still lacking short-term optimization tools, the Super Interest Account becomes a simple yet effective solution to maximize the value of every dong.

Establishing a mechanism to earn interest of up to 4.5%/year for working capital not only helps businesses take full advantage of available resources but also creates a new layer of value from proactiveness. VIB’s Super Interest Account represents modern cash flow management thinking.

VIB provides a comprehensive financial solution for businesses

The Super Interest Account is an essential piece of the comprehensive financial solution that VIB is developing for businesses. From cash flow management, spending, investment funding, to international payments and digital governance, all are integrated into a smart, safe, and intuitive digital platform, including VIB Business, VIB Corp, and Internet banking for enterprises. Among them, the Super Interest Account plays a crucial role in optimizing the value of short-term capital.

VIB offers a comprehensive digital financial ecosystem for businesses

In addition, businesses can take advantage of the VIB Business Card credit card to manage operating expenses, marketing, or periodic purchases with an interest-free period of up to 58 days or unlimited cashback on all spending. For SMEs in need of additional capital, they can immediately access short-term unsecured loans of up to VND 1 billion with an interest-free period of up to 58 days through the VIB Business Card credit card or the VIB Business Loan working capital supplement package of up to VND 150 billion, with a loan ratio of up to 90% of the value of the secured asset and an interest rate from 6.7%/year.

Moreover, the VIB Business digital banking application integrates breakthrough technologies such as SoftPOS (turning your phone into a POS machine), QR Merchant (creating a unique QR payment code for each store), and Voice Alert (transaction notifications by voice), along with solutions from partners VNPAY Invoice (electronic invoices), VNeDOC (digital contract management), and VNPAYB2B (modern B2B payment system) will help businesses streamline operations and control activities anytime, anywhere.

A single idle dong may not seem significant, but if utilized effectively, it can generate a substantial and sustainable profit stream. In a volatile business environment, a company’s resilience lies not only in its long-term strategy but also in its ability to optimize daily operations.

The Super Interest Account for businesses is not just a financial product. It is an affirmation of the right to proactive profit-making that every household business and industry leader deserves. More importantly, it is a call to change mindsets, awaken idle capital, and let it work and earn interest of up to 4.5%/year. For more details, households and SMEs can refer to here, and large enterprises can refer to here.