Lao Viet Bank LVB DigiBank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Lao Viet Bank LVB DigiBank gives Lao citizens a debit card with a monthly fee of LAK 0 and an easy access savings account paying 1.5% on a variable basis. It suits people who want everyday spending and saving locally, with borrowing direct from the bank.
Key facts
- Best for
- One local bank for a debit card with a monthly fee of LAK 0 and an easy access savings account.
- Monthly fee
- LAK 0↗
- Card type
- Debit↗
- Legal entity
- Laos - Vietnam Joint Venture Bank Co., Ltd↗
- Headquarters
- Laos↗
- Founded
- 1999↗
- Support channels
- Phone↗
- Features
- Same-day funding, Credit line
- Official website
- laovietbank.com.la
Loans
- Term
- 12 months↗
- Funding time
- Funds available immediately after approval (unsecured overdraft)↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Lao citizens or family businesses; foreign nationals residing in Laos must hold deposits at the bank and meet its credit rules↗
- Loan types
- Personal, Business, Credit-line, Car↗
Savings
- Headline rate
- 1.5%↗
- Minimum deposit
- LAK 50,000↗
- Access terms
- Non-term savings deposit, withdraw at any time; interest credited daily on the average daily balance and paid on 30 June and 31 December each year↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- Google PlayApp Store
- Elsewhere
- LinkedIninstagram.com
Pros and cons
Pros
- A monthly fee of LAK 0 on the account, with a debit card for everyday spending in Laos.
- The easy access savings account pays 1.5% on a variable basis, with withdrawals allowed at any time.
- As a direct lender, the bank funds an unsecured overdraft with same day funding and credit line and free early repayment.
- Loans cover personal, business and credit line over a 12 term, with early repayment carrying no charge.
Cons
- Support runs on phone only, so there is no written help centre for questions about the account or card.
- The variable savings rate of 1.5% sits below the median of 3% among compared accounts, so easy-access money earns little.
- Foreign nationals residing in Laos must hold deposits at the bank and meet its credit rules, which narrows who can apply.
Who it suits
- Lao citizens and family businesses who want a debit card with no monthly charge and an easy access savings account.
- Borrowers who need same day funding and credit line, since funds are available immediately after approval on the unsecured overdraft.
- People who withdraw irregularly and want interest credited daily on the average daily balance of their savings.
Who should look elsewhere
- Customers who would rather bank with bunq, whose monthly fee is €0, than hold a deposit with a bank based in Laos.
- People focused on credit history: Varo Believe Secured Credit Card offers a secured card with a monthly fee of $0.
How Lao Viet Bank LVB DigiBank compares
8.8 vs 9.4
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8.8 vs 8.9
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.3
8.8 vs 8.9
8.8 vs 8.6
8.8 vs 9.2
8.8 vs 8.4
8.8 vs 8.5
8.8 vs 8.8
8.8 vs 9.0
8.8 vs 8.6
8.8 vs 8.3
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.0- 8.8 vs 8.0
Where Lao Viet Bank LVB DigiBank is available
- Available
- Laos, Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account?+
The monthly fee on the account is LAK 0 and the card is a standard debit card. Borrowing runs directly through the bank as a direct lender, and the unsecured overdraft can be repaid early with no charge.
How much interest do I get on savings?+
The easy access savings account pays 1.5% on a variable basis, so the rate can move. The balance needed to open it is LAK 50,000, and the site median for savings headline rates is 3%.
Can I take money out whenever I like?+
The deposit is non-term and withdrawals are allowed at any time, which suits irregular cash flow. Interest is credited daily on the average daily balance and paid out on fixed dates in the year, so the variable rate of 1.5% is what applies.
What protection applies to the money in the account?+
The provider is Laos - Vietnam Joint Venture Bank Co., Ltd and the published terms for the easy access account focus on access, meaning when you can withdraw. Ask the bank, which handles questions on phone, which protection arrangements cover the balance before you open it.
What can I borrow and how quickly?+
The bank is a direct lender offering personal, business and credit line over a 12 term. On the unsecured overdraft, same day funding and credit line mean funds are available immediately after approval, and early repayment carries no charge. Applicants are Lao citizens or family businesses.
Who is eligible to open an account?+
Eligibility runs to Lao citizens or family businesses, and foreign nationals residing in Laos must hold deposits at the bank and meet its credit rules. That deposit relationship is the first step for a foreign applicant, who then opens the easy access account from LAK 50,000.
What kind of card do I get?+
The card is a debit card, so spending comes straight out of the account balance. The account carries a monthly fee of LAK 0, and 28.6% of the accounts compared carry no monthly fee either.
How do I get help?+
The bank takes questions on phone only, so phone is the route for anything about the debit card, the easy access deposit or a loan. People who prefer email or chat support may find that limiting.
How long has the bank been running?+
It was founded in 1999 and trades as Laos - Vietnam Joint Venture Bank Co., Ltd, a joint venture between Lao and Vietnamese partners, with its headquarters in Laos. A long local record matters for a deposit, and interest on the 1.5% variable rate is credited daily.
Sources
- laovietbank.com.la/en_US/category/debit-card.html checked September 26, 2026
Backs: Card type
“Common Debit Card, payment tools being connected to bank account”
- laovietbank.com.la/en_US/page/about.html checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“established June 22, 1999”
- laovietbank.com.la/la checked September 26, 2026
Backs: Support channels
“Tel: (856-21)251-418/ 216-316/ 214-377/ 244-229”
- laovietbank.com.la/la/category/non-term-savings-deposit-s... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Customers can withdraw funds at any time; interest credited daily on the average balance, payment dates are 30/06 and 31/12 of each year”
- laovietbank.com.la/la/category/personal-loan-products.html checked September 26, 2026
Backs: Loan types
“ເງິນກູ້ເພື່ອຊື້ລົດ, ສິນເຊື່ອເບີກເກີນບັນຊີ, ເງິນກູ້ເພື່ອຊື້ເຮືອນ, ເງິນກູ້ທູລະກິດສ່ວນຕົວ”
- laovietbank.com.la/la/category/the-personal-business-loan... checked September 26, 2026
Backs: Eligibility, Lender type, Term
“ກໍລະນີລູກຄ້າ ມີຄວາມຕ້ອງການກູ້ຢືມ ສະກຸນເງິນຕາຕ່າງປະເທດແມ່ນຕ້ອງມີ ຄວາມສອດຄ່ອງ ກັບລະບຽບການຂອງ ທະນາຄານ ແຫ່ງ ສປປລາວ ວາງອອກ ແລະ ຕາມຂໍ້ແນະນຳຂອງ ທະນາຄານ ຮ່ວມທຸລະກິດລາວຫວຽດ”
- laovietbank.com.la/la/category/unsecured-overdraft.html checked September 26, 2026
Backs: Features, Free early repayment, Funding time
“ຫຼັງຈາກໄດ້ຮັບການອະນຸມັດ ລູກຄ້າສາມາດຖອນເງິນ ໄດ້ທັນທີຕາມ ຈຳນວນເງິນທີ່ໄດ້ຮັບການອະນຸມັດ”
- laovietbank.com.la/la/exchange/interest-rate.html checked September 26, 2026
Backs: Headline rate
“Savings deposit (non-term), individual customers, kip 1.5%, effective from 17/08/2026”
- laovietbank.com.la/en_US/tariff/lvb-digibank-fees.html checked September 26, 2026
Backs: Monthly fee
“LVB DigiBank, Monthly Fee: None”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Lao Viet Bank LVB DigiBank
One local bank for a debit card with a monthly fee of LAK 0 and an easy access savings account.