The Power of Compound Interest: Turning Idle Funds into a Million-Dollar Journey

The Super Interest Account from VIB has proven that idle money, when activated correctly, not only generates profits but also spreads joy and offers exciting experiences.

“Billion-dollar Heist”: Each activation brings an opportunity for growth

VIB’s Super Interest Account has continuously made an impact in the market with impressive programs and milestones, including the “Billion-dollar Heist” – an outstanding promotion. Simply by activating and using the Super Interest Account, customers get lucky draws to win an iPhone 16 Pro Max or cash prizes up to VND 1 billion. Moreover, with each new activation, the community’s bonus fund increases. That’s how the unlimited bonus fund of the “Billion-dollar Heist” reached VND 3.2 billion, with thousands of users sharing the rewards.

Mr. Do Trong Truong, a customer who received a bonus in Ho Chi Minh City, shared: “I use the Super Interest Account for its daily profit feature for idle money, and I was surprised to be on the list of bonus recipients for VIB’s “Billion-dollar Heist.” The condition for eligibility was simply to maintain an average balance of VND 20 million for any 10 days. It feels like a reward for a good habit that I never expected.”

At the same time, Ms. Le Thi Ngoc Du, a user in Ho Chi Minh City, became the owner of the grand prize – VND 1 billion in cash – after the final draw of the “Billion-dollar Heist” program on VIB’s Fanpage on July 31, 2025.

8 days and 7 nights in Las Vegas – An invaluable experience

Fully sponsored, the journey of 8 days and 7 nights in Las Vegas with “Say Hi” to Anh Trai has become a dream come true for lucky customers in the “Say Hi to Las Vegas” program with the Super Interest Account.

Ms. Pham Bao Ngan, one of the ten lucky winners of the Las Vegas trip, shared: “I never thought that a profitable bank account could take me all the way to Las Vegas with the hottest artists, Anh Trai. I was provided with round-trip airfare, luxury accommodations, a carefully designed itinerary for 8 days and 7 nights in the entertainment capital, access to the Soundcheck rehearsal with Anh Trai, and especially the opportunity to enjoy the Anh Trai “Say Hi” concert on July 26, 2025, in Las Vegas. VIB has made thorough preparations for me and the other members of the group. By participating in the rehearsal with the artists, I was immersed in a vibrant and overwhelming atmosphere, moments that would be hard to feel through a screen.”.

“Through this special trip sponsored by VIB, I felt how approachable a bank brand could be. The journey left me with unique and exciting experiences. The group members and especially Anh Trai were all so lovely”, added Ms. Ngan.

The Super Interest Account has unlocked practical values and unexpected opportunities in the most subtle ways. Idle funds have transformed into experiences. It’s not just about the relationship between the bank and its customers but also about connecting emotions, where finance, art, and technology intersect perfectly.

Every idle fund can create a significant movement

As Vietnamese people increasingly emphasize personal financial proactiveness, money management thinking is also evolving. Many who previously left their money idle in accounts due to risk aversion or liquidity concerns now seek and utilize smart, profitable products. In this trend, VIB’s Super Interest Account has offered a new avenue for idle funds, helping money grow with a yield of up to 4.3%/year while maintaining flexibility and uninterrupted spending. This VIB product gives users the feeling that their money is working every day. Customers only need to activate on MyVIB for their idle funds to start earning returns.

Since its launch on February 17, 2025, the VIB Super Interest Account has attracted over half a million activations, significantly expanding the potential user base with proactive financial behavior – a strategic customer segment that helps VIB easily reach and distribute additional products such as savings, investments, insurance, or credit cards. Customers maintaining balances in their accounts for transactions and profit also implies a deeper and more frequent connection with the bank, leading to a noticeable improvement in the CASA ratio. In just the first half of 2025, CASA and the Super Interest Account at VIB grew by 51% compared to the beginning of the year, an impressive achievement amid intensifying competition for capital mobilization. Along with this, VIB’s total mobilized capital from customers also recorded a stable increase of 10%, reaching over VND 304,000 billion. These figures demonstrate the clear effectiveness of the strategy to transform users’ financial behavior, especially in harnessing idle funds.

The Super Interest Account is creating a new perspective on personal finances. It’s a journey from small amounts of money to significant movements, from activating an account to unexpected grand prizes. It’s about becoming a billionaire, experiencing Las Vegas for real, sharing emotional prizes, and forming new financial habits. For VIB, these are not just the first successes in the Super Interest campaign but also strategic steps toward becoming the “Most Innovative and Customer-Centric Bank in Vietnam” and the “Leading Retail Bank in Vietnam in terms of quality and scale.”

Learn more about VIB’s Super Interest Account here