Introducing a smart cash flow management solution, this innovative approach maximizes the value of idle and spending money, offering a combined benefit of up to 9.3%. This dynamic duo is set to revolutionize how Vietnamese individuals perceive and utilize the profit potential of their capital.
The Profit Duo: VIB’s New Milestone in Unlocking Cash Flow Benefits
Ms. Tuong Nguyen, Deputy CEO of VIB, discusses the newly launched Profit Duo: “Combining the Super Interest Account with the Smart Card is a strategic move by VIB to further our mission of unlocking cash flow benefits and empowering Vietnamese consumers to take control of their capital. Every single unit of currency, whether unused or spent, holds the potential to generate returns.”
“While the Super Interest Account has already introduced the concept of daily returns on idle funds at up to 4.3% annually, the Smart Card offers up to 5% cashback on online transactions. Together, these products provide a combined benefit of up to 9.3% and encourage a more proactive, intelligent, and controlled financial approach,” added Ms. Tuong.
By integrating the Super Interest Account with the Smart Card, customers gain a dual-benefit solution designed with a deep understanding of their needs, maximizing value from both idle funds and online spending.
The Profit Duo reflects VIB’s long-term commitment to Vietnamese consumers, embodying a customer-centric approach and continuous innovation to lead the smart finance trend.
In the digital finance era, smart consumers ensure their capital remains productive.
Double the Gains: Earn on Idle Funds and Spending
If your money isn’t generating value while idle or spent, it’s not optimized in the digital finance era. Capital should be dynamic, generating returns automatically, even before investment. VIB’s Profit Duo offers a solution: daily returns on idle funds via the Super Interest Account and cashback on online transactions via the Smart Card. This dual approach ensures every unit of currency generates dual value—earning returns while idle and benefits when spent.
The Super Interest Account, a key component of the Profit Duo, launched in early 2025, has already attracted hundreds of thousands of users. It offers up to 4.3% annual returns on unused balances while allowing flexible spending. Within months, it received three international awards: “Best Customer-Chosen Interest Account Solution, Vietnam 2025” from the International Finance Awards; “Best Customer Benefit Account 2025” from Global Brands Magazine; and “Next-Gen Customer-Focused Account Solution, Vietnam 2025” from Global Business Outlook. VIB also set a national record with nearly 100,000 new profit accounts activated in a single day (May 17, 2025).
VIB’s Smart Card offers up to 10.8 million VND in annual cashback per customer.
The Smart Card is one of VIB’s five global cashback cards, offering up to 5% returns. Designed for daily spending and efficient financial management, it provides cashback on all online transactions without minimum spending requirements. The cashback amount is based on the previous month’s average account balance, encouraging better money management. Higher balances yield greater cashback, up to 10.8 million VND annually per customer. The card supports both domestic and international transactions, ideal for online payments, e-commerce, digital services, and daily needs. It allows unlimited supplementary cards, helping families manage spending across members.
This combination not only offers convenience but also sets a new standard for Vietnamese financial perception: Earn returns on idle funds and benefits on spending.
The Profit Duo – A Strategic Leap into the Dual-Profit Era for Vietnamese Consumers
In an era demanding flexible and efficient capital movement, smart consumers cannot afford to let their money remain idle. Maximizing dual value from every unit of currency is becoming an essential financial skill. VIB’s Profit Duo is more than a financial solution; it’s a catalyst for entering the dual-profit era, where every unit of capital is optimally utilized.
VIB continues to lead Vietnam’s retail banking development trend.
The Profit Duo marks a significant shift in finance by introducing a new profit concept: a single unit of capital generating dual benefits—interest and cashback. This eliminates the trade-off between liquidity and profitability, offering both in one solution.
Developed through understanding user behavior and needs, the Profit Duo is built on MyVIB—Vietnam’s Most Innovative Digital Bank 2024. It leverages advanced technologies like Cloud, Big Data, AI, and GenAI for personalized experiences and optimized cash flow management. To access this dual-benefit solution, simply use the MyVIB app to open a new account, apply for a Smart Card, and activate the Super Interest Account.
With the Profit Duo, VIB reinforces its leadership in Vietnam’s retail banking sector. It not only advances digital finance experiences but also reshapes profit perceptions in modern society, ensuring capital remains dynamic and continuously generates value.
Maximize Your Cash Flow with VIB’s Profit Duo: Up to 9.3% Returns
Vietnam International Bank (HOSE: VIB) proudly introduces a groundbreaking wealth-building solution: the Super High-Yield Account paired with the Smart Cashback Card. This innovative duo revolutionizes cash flow management, empowering users to maximize returns on idle funds and everyday spending, with combined benefits reaching up to 9.3%. This Profit Powerhouse marks a pivotal shift, redefining how Vietnamese optimize the earning potential of every single dollar.
“Turn Idle Capital into Profits with VIB’s Super Interest Rates.”
“Cash flow is the lifeblood of any business, and for small and medium-sized enterprises (SMEs), it’s even more crucial. It’s not just about the money coming in and going out; it’s also about the moments when cash takes a pause. Whether it’s the buffer between spending and income, waiting for payments to clear, or sitting idle in a contingency fund, effective cash flow management is essential for SMEs to thrive.”
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