Account package

Product information
Online registration
Promotions
Announcements

Flexibility

No initial balance required on current account

Utility

Various useful services

Incentive

Waiver of account management fee for the first 6 months, BSMS for the first 2 months

ACCOUNT FEATURES

Currency: VND
Initial minimum balance: Not required
Minimum maintaining balance: VND50,000
Floating non-term interest rate

PRODUCTS INCLUDED

Key products
- Current account
- Domestic debit card
- BSMS
- BIDV SmartBanking or BIDV Online
- BIDV Pay+
Recommended products
- Electricity/water bill payment
- International credit and/or debit card
- Unsecured personal instalment loan (under current regulations of BIDV).
- Accumulated deposits

BENEFITS

Waiver of account management fee for the first 6 months
Waiver of BSMS fee for the first 2 months
Waiver of issue fee and first-year annual fee for domestic debit, international debit and international credit cards;
Unsecured credit cards with limit of up to 10 times of salary, maximum of VND500 million.
Unsecured personal instalment loan of 30 times of salary, maximum of VND500 million (under current regulations of BIDV).
Refund 20% of first payment of electricity/water bill if client authorizes the Bank to automatically debit his/her accounts to pay the monthly bills, maximum of VND50,000 per customer ID.
Discounts on payment via BIDV card at BIDV's gold points for shopping, beauty, tourism, food, education...

HIGHLIGHTS

Customers can easily access 24/7 banking services for daily needs (such as bill payment, phone topup, online transfer...) as well as financial services (salary-based loans, accumulated deposits, online savings)
BSMS: Notification on changes to account balance
Automatic periodic payment: After registration at the bank, monthly utility bills will be paid automatically from customer’s account.
BIDV SmartBanking:
- Lower transfer fee than at the counter
- 24/7 quick transfer. Customer is able to check if account number matches account holder’s name to avoid mistakes.
- Others: international cards, pay bills management (mobile topup, money transfer to securities accounts), shopping via QR codes
- Online savings at higher interest rate than at the counter
BIDV Pay+: in replacement of physical domestic debit card
- Withdraw cash at ATM via QR Code without carrying a physical card.
- Capture/scan QR code to pay for goods and services at accepted points.

CONDITIONS

Vietnamese and foreign individuals who receive salary through bank accounts
Applicable to customers newly registering all products and services of the package
Card incentives are NOT applicable for Visa Smile and Visa Infinite cards.
The offers of the above mentioned packages may vary from time to time in accordance with BIDV's regulations.

APPLICATION

Legal documents: ID/Citizen identification card/Valid passport
Personal account opening application
Terms and conditions
Claim form

Flexibility

No minimum balance required on current account

Utility

Various useful services

Incentive

Waiver of account management fee and BSMS fee for the first 2 months

ACCOUNT FEATURES

Currency: VND
Initial minimum balance: Not required
Minimum maintaining balance: Not required
Interest rates: Not applicable

PRODUCTS INCLUDED

Key products
- Current account
- Domestic debit card
- SmartBanking or BIDV Online
- BIDV Pay+
Recommended products
- BSMS
- Bankplus
- VnTopup

BENEFITS

Waiver of account management fee and BSMS for the first 2 months
Waiver of issue fee and first-year annual fee for domestic debit card;
Oversea education loan service: loan against financial capacity, oversea education loans, foreign currency purchase and international transfer.

HIGHLIGHTS

Students can pay tuition fee, apply for oversea education loans, top up phone, and purchase movie ticket
BSMS: Notification on changes to account balance
Bank plus: check account information, transfer money
VnTopup: recharge prepaid phone number by texting: NAP Amount PhoneNumber Password to 8049
BIDV SmartBanking:
- Lower transfer fee than at the counter
- 24/7 quick transfer. Customer is able to check if account number match account holder’s name to avoid mistakes.
- Others: manage cards, pay bills (recharge phone cards, transfer money to securities accounts), shop with QR codes
- Savings online with higher interest rate than at the counter
BIDV Pay+: in replacement of physical domestic debit card
- Withdraw cash at ATM via QR Code without carrying a physical card.
- Capture / Scan QR code to pay for goods and services at accepted points.

CONDITIONS

Vietnamese individuals who study at universities/colleges aged 17 to 24
Applicable to customers newly registering all products and services of the package
Card incentives are NOT applicable for Visa Smile and Visa Infinite cards.
The offers of the above mentioned packages may vary from time to time in accordance with BIDV's regulations.

APPLICATION

Legal documents: ID/Citizen identification card/Valid passport
Personal account opening application
Terms and conditions
Claim form

Efficiency

Higher returns with tiered interest rates

Utility

Various useful services

Incentive

Waiver of account management fee and BSMS fee for the first 2 months

ACCOUNT FEATURES
- Currency: VND
- Initial minimum balance: VND2,000,000
- Minimum maintaining balance: VND2,000,000
- Interest rates: Tiered interest rates calculated on daily balance

Balance	Interest rates (%/year)
Below VND2,000,000	0%
From VND2,000,000 to below VND50 million	0.2%
From VND50 million to below VND300 million	0.5%
VND300 million and above	0.8%

PRODUCTS INCLUDED
- - Key products
  - + Current account
  - + Domestic debit card
  - + BSMS
  - + SmartBanking or BIDV Online
  - + BIDV Pay+
- - Recommended products
  - + BIDV platinum international credit card and/or Mastercard platinum debit card
  - + Auto fund transfer
BENEFITS
- - Waiver of account management fee
- - Waiver of BSMS fee for the first 2 months
- - Waiver of issue fee and first-year annual fee for domestic debit, Platinum international debit and credit card
- - Waiver of annual fee for Platinum international credit card if certain spending amount is reached in the following years, according to BIDV's regulations from time to time (current amount is VND250 million or above).
- - Discounts on payment via BIDV card at BIDV's gold points for shopping, beauty, tourism, food, education...
- - Refund of money for transfer via E-banking (BIDV SmartBanking or BIDV Online) in the following months if the previous month meets the conditions: Maintaining the average balance of VND300 million or above. Maximum monthly refund is VND500,000 per customer.
HIGHLIGHTS
Refund of transfer fee via BIDV E-banking, waiver of account management fee and many benefits from Platinum cards. Auto fund transfer from business account to personal account to earn tiered non-term interest rates.
- - BIDV SmartBanking:
  - + Lower transfer fee than at the counter
  - + 24/7 quick transfer. Customer is able to check if account number matches account holder’s name to avoid mistakes.
  - + Other advantages: manage cards, pay bills (top up phone, transfer money to securities accounts), shop with QR codes
  - + Savings online with higher interest rate than at the counter
- - BIDV Pay+: in replacement of physical domestic debit card
  - + Withdraw cash at ATM via QR Code without carrying a physical card.
  - + Capture / Scan QR code to pay for goods and services at accepted points.
- - BIDV Master Platinum card:
  - + Maximum withdrawal amount/ day: VND400 million. Maximum payment amount/day: VND2 billion. Maximum transfer amount/day: VND1 + + billion.
  - + Travel accident insurance with a maximum compensation of USD500,000
  - + Online purchase insurance up to VND4.5 million.
  - + Reward point accumulation on card payment.
  - + Discount 40%-60% of golf fees at some golf courses throughout Vietnam
- - Auto fund transfer:
  - + Auto fund transfer from business account to personal account to earn tiered non-term interest rate (higher balance higher interest).
  - + Or vice versa to serve business activities.

CONDITIONS

Vietnamese residents
Applicable to customers newly registering all products and services of the package
Card incentives are NOT applicable for Visa Smile and Visa Infinite cards.
The offer of the above mentioned packages may vary from time to time in accordance with BIDV's regulations.

APPLICATION

Legal documents: ID/Citizen identification card/Valid passport
Personal account opening application
Terms and conditions
Application for complaint

No minimum balance requirement

Free BSMS for first 3 months

Free account management fee for 3 first months

EFFECTIVE DATE: 6 April 2020 until notice of termination
FEATURES: No minimum balance requirement
PACKAGE PRODUCTS
Main product
Current account
Domestic debit card
Add-on products
+ BSMS
+ BIDV SmartBanking or BIDV Online
+ BIDV Pay +
BENEFITS:
Free account management fee for 3 first months
Waiver of issuance, annual fees for domestic debit card
Free BSMS for first 3 months
OUTSTANDING PARTICULARS
With the products of the package, customer can use banking services anytime, anywhere such as deposit/withdrawal, money transfer, bill payment, etc.
- BSMS: account balance notification
- BIDV Smart banking app with the following features:
+ Transfer fee lower than that at counter
+ Quick 24/7 money transfer, checking account number with beneficiary name, ensuring right recipient.
+ Features: international card management, bill payment (mobile top-up, money transfer to securities account), shopping via QR code.
- BIDV Pay+ app: used as replacement for physical domestic debit card:
+ Money withdrawal at ATM via QR Code without needing a physical card.
+ Scanning QR code to make payment for goods and services at card acceptance points.

CONDITIONS

Vietnamese residents
Customers receive unemployment benefits, confirm by competent authorities
Applicable to customers newly registering all products and services of the package
The offer of the above mentioned packages may vary from time to time in accordance with BIDV's regulations.

APPLICATION

Legal documents: ID/Citizen identification card/Valid passport
Personal account opening application
Terms and conditions
Application for complaint

Money transfer fee waiver on BIDV Smartbanking

Fee waiver for all internal money transfer, domestic transfer, 24/7 instant transfer transactions

Highest transfer limit

Up to VND 300 million/transaction, VND 3 billion/day

Incentives

BSMS fee waiver for the first 6 months

APPLICABLE PERIOD: From 6 January 2020 to 30 May 2020
FEATURES:
A minimum balance of VND 10 million on customer’s current account is required (this amount shall be blocked).
Registration for B-Free 3 account package at the Bank’s counter.
PRODUCTS:
Primary products:
- + Current account
- + BIDV SmartBanking
- + Harmony domestic/international debit card
Supplementary products:
- + BSMS
- + Automatic bill payment
- + Credit card
- + Secured consumer loans
- + BIDV Pay +
INCENTIVES:
Money transfer fee waiver on BIDV Smartbanking: fee waiver for all internal money transfer, domestic transfer, 24/7 instant transfer transactions.
Highest e-banking transfer limit from time to time: up to VND 3 billion/day, VND 300 million/transaction for domestic transfer
BSMS fee waiver for the first 6 months
Discounts applied to payments for shopping, spa, tourism, cuisine, education, etc. using BIDV cards at BIDV's gold points.
OUTSTANDING FEATURES:
With the products offered in the package, customers can use banking services anytime, anywhere for every daily needs (such as bill payment, phone top-up, online payment, etc.) as well as financial needs (payroll loans, online savings):
BSMS: notification of account balance change
Automatic bill payment: With just one registration, BIDV shall automatically debit exact bill amount from customer’s account for bill payment.
BIDV Smartbanking:
Transfer fee is lower than that applied at the counter
24/7 instant transfer, account number will be checked to match with recipient’s name, avoid incorrect transactions.
Advantages: international card management, bill payment (phone top-up, transfer to securities account), shopping by QR code.
Online deposit at higher interest rate than that applied at the counter
BIDV Pay+ App: A convenient alternative for physical domestic debit card: Withdraw money at ATM using QR Code without physical card.

CONDITIONS

Vietnamese residents
Applicable to customers newly registering all products and services of the package
Card incentives are NOT applicable for Visa Smile and Visa Infinite cards.
The offer of the above mentioned packages may vary from time to time in accordance with BIDV's regulations.

APPLICATION