VPBank updates fee policy for inactive overdraft accounts and re-activated overdraft accounts

The fee policy for Inactive Overdraft Accounts & Re-activated Overdraft Accounts is effective from August 2, 2025 (until further notice from VPBank). Details are as follows:

Fee Type	Conditions	Applicable Fee Rate
Maintenance Fee for Inactive Overdraft Account (Monthly fee collected from the month following the satisfaction of conditions)	Overdraft account inactive for more than 3 months	0.1% of the approved limit (minimum VND 10,000)
	Overdraft account inactive for more than 6 months	0.2% of the approved limit (minimum VND 10,000)
Overdraft Account Re-activation Fee (One-time fee collected at the end of the day the account is re-opened)	Customer re-opens Overdraft Account within 3 months of closure	VND 50,000
	Customer re-opens Overdraft Account from 4 - 6 months after closure.	VND 25,000

Through this policy adjustment, VPBank expects the overdraft product to effectively support Customers' financial plans.

✔ Effective Account Management: Helps customers proactively manage their Overdraft accounts effectively, avoiding unnecessary fees.

✔ Maximize Flexible Overdraft Limit: Encourages Customers to proactively maintain active Overdraft accounts, thereby fully utilizing the flexible overdraft limit to meet financial needs.

✔ Enhanced Experience: By ensuring the sustainable and quality maintenance of Overdraft services, thus providing the best experience for Customers.

To proactively control your Overdraft account activities, you can quickly do so by: Accessing the VPBank NEO app > Select the 'Unsecured Overdraft' section to check your current limit and outstanding balance.

Detailed information about the fees will be sent to you by VPBank via notifications on the VPBank NEO app.

For more details, Customers please contact hotline 1900 54 54 15 (for Standard Customers) / 1800 54 54 15 (for Priority Customers).