Amidst a competitive market of installment payment offers from various banks, ACB stands out with the most competitive fees and flexible solutions, making iPhone ownership more accessible without financial strain.

Vietnamese Consumers Are Willing to Spend, But Smart Financing is Key
According to World of Statistics, Vietnamese workers need an average of 99 days to afford an iPhone 17 Pro (256GB), compared to just 4 days for Americans, 7 days for Britons, and 8 days for Singaporeans. The General Statistics Office’s 2025 report highlights that with an average monthly income of 8.3 million VND, the iPhone 17 Pro’s price tag of 34.99 million VND equates to over 127 days of work if paid upfront.
Despite this, iPhones remain a must-have for Vietnamese youth. Over 100,000 pre-orders for the iPhone 17 series were placed on the first day, with one retailer recording 80,000 orders in just 30 minutes. This demonstrates that while Vietnamese consumers are willing to spend, they need intelligent financial solutions.

Installment Plans: Plenty of Options, But Which is Best?
Most banks now offer 0% interest installment plans for tech products, especially iPhones. However, the differences lie in hidden fees, flexibility, and accompanying benefits. Some banks charge high conversion fees or limit partnerships.

ACB excels in this gap with low fees, broad coverage, and a seamless app experience:
– 0% interest, 0% fees at major partners: Apple Store Online, CellphoneS, FPT Shop, Điện Máy Chợ Lớn…
– Installment payments for all purchases over 1 million VND via the ACB ONE app with a conversion fee starting from 0.9% and 0% interest.
– Cash withdrawal installments: 1% conversion fee + 0.75% monthly management fee, 0% interest.
For instance, when purchasing an iPhone 17 Pro at ACB partners like Apple Store Online, CellphoneS, FPT Shop, or Điện Máy Chợ Lớn, customers pay approximately 2.9 million VND monthly for 12 months with no additional fees.
Beyond tech products, ACB offers smart spending solutions for young, experience-oriented customers. The ACB Visa Signature card, tailored for modern lifestyles and travel needs, features a 0.9% foreign currency conversion fee. Cardholders can book flights, hotels, or shop internationally without worrying about high fees. All transactions earn unlimited 1% cashback, redeemable for e-vouchers or gifts via the ACB ONE app.
Additionally, the ACB Visa Signature provides access to international airport lounges and modern payment methods like Apple Pay and Google Pay. This card is more than a payment tool—it’s a lifestyle accessory: efficient, smart, and premium.
This is just one piece of the larger ecosystem ACB is building: an optimized payment system catering to modern trends like ‘buy now, pay later’, prioritizing entertainment, dining, concert tickets, flights, and VIP airport lounge access over traditional savings or insurance products.
ACB representatives emphasize that today’s customers, especially Gen Z, need more than just a payment card. Banks must act as ‘personal financial advisors’, offering solutions that let customers enjoy life while managing their budgets effectively.
Apply for an ACB card here to receive up to 4 million VND in benefits, 0% interest iPhone installments, and smart, convenient spending experiences.
Market Beat: Profit-Taking Pressure Mounts, VN-Index Retreats.
The selling pressure intensified, causing key indices to sink into the red by the end of the morning session. At the mid-session break, the VN-Index hovered near the reference level, settling at 1,639.45 points; while the HNX-Index stood at 282.49 points, a decline of 0.93%. The number of declining stocks is gradually gaining the upper hand, with 540 losers versus 207 gainers.