"General Introduction", "Account Setup", "Cards & Payments", "Rewards & Points", "Savings", "Security & Support", "", "",
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What is VIB Junior Banking?
VIB Junior Banking is Vietnam’s first "Banking for Kids" ecosystem, designed specifically for Gen Alpha children aged 6–15. More than just a card or an app, it is a complete financial learning solution built around the 1-2-3 formula: 1 App – 2 Cards – 3 Benefits, helping parents guide their children toward healthy money habits from an early age
Why should parents start a Junior Banking today?
In today's digital world, children need hands-on financial experiences, not just traditional piggy banks. Banking for Kids helps children understand the value of money, build saving habits, and learn responsible spending in a safe environment with parental guidance
How does the Junior Banking 1-2-3 formula work?
The ecosystem connects every part of a child's financial journey:
1 App: Maxtopia (within the Max app) – a gamified digital banking space where kids learn and play.
2 Connected Cards: Family Link Card for parents and Junior Smart Card for children.
3 Financial Skills: Earn (Making) – Save (Saving) – Spend Wisely (Spending)
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How do I activate Junior Banking?
Getting started is simple:
1. Own a VIB credit card.
2. Access Maxtopia in the Max app.
3. Set up your child's profile and begin their financial learning journey
What is the "Parents Spend, Kids Save" feature?
This unique feature connects family spending with children's financial learning. When parents spend using the Family Link Card, reward points are automatically transferred to the child's Maxtopia wallet, helping them see how money grows through everyday family activities—without additional spending
How many children can I set up?
Parents can create and personalize separate profiles for multiple children within Maxtopia
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What is the role of the Family Link card in this solution?
This card is designed for parents, prioritizing spending in categories such as Education and Healthcare. When parents spend, reward points are automatically accumulated and converted into rewards for children on Maxtopia.
Who is the Junior Smart Card for?
This is a debit card designed specifically for children, helping them learn financial independence and responsibility in managing their money.
Opening a Junior Smart Card (for children under 15 years old): To provide the most practical financial independence experience for your child, parents are kindly invited to visit the nearest VIB branch together with their child to complete the registration process for a Junior Smart Card supplementary card under the child’s name.
Where can children use the Junior Smart Card?
Children can confidently use the card for independent payments at offline stores through POS machines.
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How can children earn reward points?
Children accumulate points by completing daily or study-related Tasks assigned by parents, or by learning through the Knowledge Hub on Maxtopia.
Can parents reward their children with extra points?
Yes. Parents can instantly transfer rewards or give additional “Bonus” points when children make strong efforts or complete tasks well.
What can reward points be used for?
Accumulated points can be redeemed for attractive gift vouchers at MAXShop on the app, helping children become familiar with budgeting and reward management skills.
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What are the benefits of the digital savings account on the app?
The digital savings account allows children to visually track their saving goals directly on their phones, creating stronger motivation compared to traditional piggy banks where balances are difficult to monitor.
What is the interest rate of Future Savings?
Future Savings offers competitive interest rates of up to 8.5% per year to support your child's long-term goals
How much money can I start saving for my child with?
Families can start saving for their children with contributions from as little as 100,000 VND.
Does Future Savings have any special features?
The product supports automatic deposits and can also connect directly with children’s task completion results on Maxtopia.
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How can parents manage their children’s activities?
Parents play the central role in guiding and supervising by setting task lists, tracking reports, and approving rewards for their children.
Is information on Maxtopia secure?
All data and transactions are protected on Max app platform, ensuring a safe financial learning environment for children under parental supervision.
Where can I find usage instructions?
Where can I find usage instructions?
