VIB Privilege Banking: Dynamic - Unique - Exclusive

Vietnam International Bank (VIB) officially introduces VIB Privilege Banking, setting a new benchmark for priority banking built on three core pillars: Dynamic - Unique - Exclusive. This proposition is designed to empower “Privilege Banking” clients to take control of opportunities in an ever-changing world.

VIB Privilege Banking has introduced, setting a new benchmark for Priority Banking.

In a fast-moving world - opportunities favor those who are ready

Vietnam’s private wealth market is experiencing strong growth, with total personal financial assets projected to reach approximately USD 600 billion by 2027 (McKinsey). Alongside the rapid development of the digital economy and increasing technology adoption, the way Vietnamese individuals accumulate wealth, make decisions, and shape their future is evolving significantly.

Affluent clients are therefore facing increasingly complex financial needs - from cash flow management and investment to wealth accumulation and protection. In this context, VIB Privilege Banking is introduced to establish a new standard in priority banking - not only expanding exclusive but also delivering a comprehensive financial ecosystem that enables clients to manage their cash flow flexibly, stay resilient amid uncertainties “Moves with Your Time”.

VIB Privilege Banking draws inspiration from the aurora - a symbol of movement, uniqueness, and rarity.

Inspired by the aurora - a symbol of movement, uniqueness, and rarity - VIB Privilege Banking is designed as a dynamic financial ecosystem that adapts seamlessly to each stage of a client’s life journey. Each client represents a distinct journey; therefore, solutions are fully unique rather than built on a one-size-fits-all model. At the same time, exclusives are redefined as a differentiated value proposition - elevated in standards and deeper in meaning.

VIB Privilege Banking: An Integrated Financial Ecosystem Driven by Dynamic - Unique - Exclusive

Sharing the strategic direction of VIB Privilege Banking, Ms. Tuong Nguyen, Deputy CEO of VIB, stated: “With VIB Privilege Banking, we are building an integrated financial ecosystem guided by three core values: Dynamic - continuously adapting to every rhythm of our clients’ lives; Unique - delivering personalized solutions so that each financial journey reflects a distinct identity; and Exclusive - where privileges go beyond benefits to become a true sense of understanding and long-term companionship. This is also how VIB redefines Privilege Banking and partners with clients to moves with your time “.
Building on this approach, VIB Privilege Banking is developed as a client-centric financial ecosystem, where dynamic serves as the foundation.

VIB Privilege Banking - An Integrated Financial Ecosystem Driven by Dynamic - Unique - Exclusive.

Under the Dynamic pillar, the financial operating model is structured into three tightly interconnected layers: cash flow, wealth accumulation, and investment. Idle funds are no longer left unutilized but are optimized to generate daily returns through Super Accounts, while remaining readily accessible for spending needs. At the wealth accumulation layer, solutions such as iDepo and Hi-Depo help preserve asset value while enabling clients to flexibly adjust their medium to long-term financial plans. Meanwhile, the investment layer provides access to a wide range of products through a partner ecosystem, including Prudential and Kafi, effectively balancing wealth growth and protection. When these three layers operate in sync, the personal financial system is no longer fragmented but becomes a flexible and integrated structure, where cash flow, assets, and opportunities are seamlessly connected.

Idle funds can be optimized to generate returns on a daily, weekly, or monthly basis through high-yield accounts such as Super Account, Hi-Depo, and iDepo.

The Dynamic pillar also extends to lifestyle and spending experiences. VIB’s premium card portfolio, including VIB Priority Signature and VIB Premier Signature, is designed around key spending categories such as travel, dining, and shopping. Clients can enjoy cashback of up to 5%, access to airport lounges combined with priority lanes at both domestic and international airports, as well as a competitive foreign transaction fee of just 1% - creating a seamless spending experience, particularly for frequent international travelers. VIB is also developing a new generation of credit cards under the philosophy of “one for all, one for lifetime”, aiming to deliver a single financial solution capable of fulfilling clients’ long-term spending needs.

The Signature card portfolio for VIB Privilege clients

In wealth management, VIB emphasizes the importance of capital structuring. Financial solutions are designed with a high degree of dynamic, allowing clients to customize principal repayment timelines, supported by grace periods during the loan tenure - thereby creating greater capacity to pursue parallel investment opportunities. Repayment structures are also aligned with actual cash flow, ensuring that the overall financial structure remains flexible rather than constrained.

With financing limits of up to VND 500 billion, clients are empowered to execute investments, optimize cash flow, and maintain overall financial balance.

Capital solutions are designed with dynamic, offering financing limits of up to VND 500 billion, along with principal grace periods during the loan tenure.

Under the Unique and Exclusive pillars, VIB Privilege Banking is built around highly unique experiences. On the MyVIB digital banking platform, the Ownrora Feature is exclusively designed for Privilege Banking clients, enabling a fully unique approach to financial management. The system provides asset allocation suggestions based on cash flow needs and individual investment style, ensuring that wealth management strategies accurately reflect each client’s goals and risk tolerance.

In daily spending, clients are supported in selecting the most suitable card based on their usage behavior, while also being able to track their finances through intuitive dashboards. Customized benefit - such as selected account numbers and exclusive gifts - are seamlessly integrated, creating a distinctly tailored experience.

This entire ecosystem is powered by data and advanced technology, combined with a dedicated team of Relationship Managers for Privileged Customer enabling VIB to gain deeper insights into individual needs and deliver truly tailored financial solutions.

Touch the Aurora: A Journey for Those Who Moves with your time

To mark its launch milestone, VIB hosted the Aurora Experience in Vietnam - an immersive interactive light art space that reflects the spirit of movement and individuality of VIB Privilege Banking clients.

Tran Thanh at the Aurora Experience - an immersive interactive light art space reflecting the spirit of movement and individuality of VIB Privilege Banking clients.

The first clients also received an Aurora limited-edition gift set, featuring hand-crafted silk scarves created using the traditional marbling technique by artist Dang To Anh - each piece bearing a one-of-a-kind, non-replicable pattern - paired with a Swarovski-embellished scarf ring imported from Austria. Notably, the first Premier clients were exclusively presented with a limited-edition gold-plated metal Signature card, further elevating the sense of distinction and exclusivity.

Chloe Nguyen - one of the first VIB Privilege Banking clients to receive the exclusive Aurora limited-edition gift set.

The journey for those who moves with your time continues with the “Touch the Aurora” program. Through this initiative, VIB Privilege Banking clients can accumulate Aurora Tickets by maintaining deposit balances, spending via cards, utilizing insurance products, or referring new clients. Each Aurora Ticket offers a chance to win one of nine exclusive aurora-hunting travel packages for two, each valued at VND 400 million, delivering a truly exceptional and once-in-a-lifetime experience.

The “Touch the Aurora” program for VIB Privilege Banking clients VIB Privilege Banking.

Built upon the three core pillars Dynamic - Unique - Exclusive - VIB Privilege Banking is powered by advanced technology, data, and a dedicated team of specialists. Through this foundation, VIB aims to empower its Privileged Customer not only to manage their wealth effectively, but also to make confident decisions, proactively seize opportunities, and “moves with your time” in their own way.