Account Services

18/09/2015 09:36 AM
  • ​​​Vietcombank receives deposits, manages, tracks balances and provides account services to customers swiftly and securely at the lowest cost.
  • When placing deposits at Vietcombank, Customers can open the following types of account free of charge:
    1. Demand deposit account;
    2. Specialized account: payment-only account, collection-only account, auto-investment account, etc.



  • Simple account-opening and transaction procedures.
  • Account-number can be selected as per request.
  • Available VND or foreign currency account options.
  • Safe and secured account balance
  • Easy cash deposit and withdrawal at all Vietcombank branches
  • Conduct immediate bank transfer within Vietcombank’s network
  • Diversified and convenient payment service at the lowest cost through Vietcombank's nation-wide network and correspondent banking system.
  • Modern e-banking services: VCB-Money, Internet banking
  • Exclusive supporting services: Auto-investment facility, centralized capital management, etc.

To use the service:

  • Customers can open accounts at any branch of Vietcombank in Vietnam
  • Fill in the Account-opening Application form and provide required documents as instructed by the bank
  • Deposit and withdrawal methods:
    1. Deposit and withdrawal in cash
    2. Deposit and withdrawal by bank transfer: transfer check, certified check, payment order, collection order, etc.

Application Form

According to Vietcombank's current forms

Fee Schedule

According to Vietcombank's current fee schedule

In order to help Customers optimize idle funds in the safest and the most effective way, Vietcombank provides term deposit account services with competitive, attractive interest rates together with varied and flexible terms.

Customers who have temporary idle funds and want to earn interest on those funds.

  • Simple account-opening and transaction procedures
  • Available VND or foreign currency account options
  • Safe and secured account balance
  • Attractive interest rates
  • Very flexible and various terms to meet Customers’ needs
To use the service
  • Customers can open accounts with any branch of Vietcombank in Vietnam
  • Simple depositing procedures: signing term deposit contract or use payment order
Fee schedule
According to  Vietcombank's current fee schedule

  • With the advantage of modern technology platform and online trading capabilities, Vietcombank can assist Customers in capital management with Centralized fund management services.
  • Using this service, Customers’ fund from sub-accounts of affiliates are automatically transferred to a Master Account at the end of the day. Thereby, Customers can track and extract information on financial transactions carried out throughout the entire company.
  • The centralized fund management service does not mean affiliates will no longer be capable of financial resources. In contrast, Centralized fund management service offers very flexible options to  Customers. Specifically, Vietcombank and Customers may agree to maintain certain minimum balances on affiliates’ current accounts. 
Customers who have funds or revenues scattered at many affiliates, thus centralized management of fund is needed.

  • Concentrate financial resources on a daily basis; Optimize financial effectiveness of total resources; Take advantage of the incentives that the bank can offer.
  • Flexibility to meet the needs of the affiliates; Balance the surplus or deficit situation of fund among affiliates, where some affiliates excess of idle capital, some affiliates need external borrowing.

To use the service
  • Customers provide Vietcombank with information about the current state of internal capital management. Vietcombank will advise the appropriate technical solutions to Customers for reviewing and signing agreement with Vietcombank.
  • Details of the transaction on accounts of affiliates and Central account will be provided fully to Customers as usual. 

Fee schedule
According to the agreement

​By utilizing this service, when the end-of-day balance exceeds Customers’ predetermined amount, the exceeding amount will be automatically transferred to an account namely "Auto-Investment". Otherwise, if the current account's balance is lower than this predetermined amount, the money will be transferred from the "Auto-Investment" account to the demand deposit account.

This service is designed for financial institutions having largely but unstably unemployed fund over a long period and requesting a higher interest rate than demand deposits.

  • Effective and flexible usage of unemployed capital.
  • Greater economic efficiency due to higher interest rate in the "Auto-Investment" account than that in the demand deposit account.
  • Another method to increase efficient usage of your unemployed capital is to use the term deposit product since the rate is higher than the demand deposit account's rate as long as the customer maintains the full term (E.g. one-month or two-week term). However, if there is any change in your usage of fund plan that might cause any immediate withdrawal ahead of maturity, the customer will no longer enjoy the high term deposit interest rate.
  • With auto-investment service, the Customer no longer needs to worry about changing financial plans:
    • The flexibility of the facility since the fund will be automatically transferred between the demand deposit account and the "Auto-Investment" account.
    • Higher interest rate than demand deposit account's rate as the "Auto-investment" rate is calculated and paid on daily basis.
To use the service
Customer only needs to sign agreement with Vietcombank. Detailed information about transactions on Auto-investment and current account will be provided fully to the Customer. 

Fee schedule
According to agreement

For further information and product advice, please contact:

Financial Institutions Department
9/F, Vietcombank Tower
198 Tran Quang Khai, Hoan Kiem, Ha Noi
Tel: +84-24-39343137 (Ext: 0920); Fax: +84-24-38265548