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Vietcombank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Vietcombank suits anyone banking and spending in Vietnam, where the VCB-DigiCard debit card carries a monthly fee of VND 0 and its international credit card costs VND 200,000 a year. The trade-off is currency conversion at 2.5%, weighed against term deposits paying a fixed rate and lending of VND 2,000,000,000.

Key facts

Best for
Free day to day banking in Vietnam with a plain debit card.
Monthly fee
₫0↗
Currency conversion fee
2.5%↗
Card type
Debit↗
Legal entity
Joint Stock Commercial Bank for Foreign Trade of Vietnam↗
Headquarters
Vietnam↗
Founded
1963↗
Support channels
Phone, Help-centre↗
Features
Virtual card
Official website
vietcombank.com.vn

Loans

Loan amount
₫2,000,000,000↗
Term
1 to 60 months↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Ages 18 to no more than 75 at the end of the loan term; average income from 5 million VND per month; must hold collateral such as real estate, a car or securities↗
Loan types
Personal, Secured↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Savings

Minimum deposit
₫500,000 to ₫3,000,000↗
Access terms
Flexible (by day, by month) or fixed terms of 7 days, 14 days, 1-60 months↗

Personal insurance

Insurance types
Health, Life, Critical-illness↗
Provider type
Broker↗
Monthly payments
No↗
Cover limit
FWD Online Health Insurance: Care 50 - VND 50,000,000 per policy year inpatient; Care 100 - VND 100,000,000 per policy year inpatient↗
Age range
18 to 50 (FWD Online Health Insurance); max age at end of cover 75↗

Credit cards

Annual fee
₫200,000↗
Card kind
Credit↗

Mortgages

Initial rate
5.2%↗
Fixed period
30 years↗
Maximum loan to value
100%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 12 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • A virtual card is on the list, which covers online payments without carrying the plastic, and the debit card keeps a monthly fee of VND 0.
  • Term deposits pay a fixed rate on terms of 1 to 60, with a minimum deposit of VND 500,000 to VND 3,000,000.
  • Cover spans health, life and critical illness, with Vietcombank acting as a broker alongside its debit card and lending products.

Cons

  • Currency conversion costs 2.5%, ranking 196 of 258 brands on fees, which adds up on overseas card spending.
  • The international credit card costs VND 200,000 a year, on top of a debit card that keeps a VND 0 monthly fee.
  • Free early repayment is not offered on the secured consumer loan, and support runs on phone and help centre only.
Vietcombank

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Customers who live and spend in Vietnam and want a debit card with a VND 0 monthly fee.
  • Savers willing to commit to a term, since a minimum deposit of VND 500,000 to VND 3,000,000 keeps the entry point low.
  • Borrowers holding collateral such as property, a car or securities, as Vietcombank lends VND 2,000,000,000 as a direct lender.

Who should look elsewhere

  • bunq, whose free plan carries a monthly fee of €0, if you would rather hold an account priced in euro.
  • Wise, whose monthly fee is £0, if you do not need fixed rate deposits or secured lending.
  • Varo Believe Secured Credit Card, whose monthly fee of $0 suits a secured card rather than a local bank account.

How Vietcombank compares

Where Vietcombank is available

Available
Vietnam

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Vietcombank debit card cost each month?+

The VCB-DigiCard is a debit card with a monthly fee of VND 0, so holding the card and its account costs nothing each month. Other charges in the fee schedule can still apply at the point of use.

How much does Vietcombank charge to convert currency?+

Currency conversion costs 2.5%, above the 1% median across the site. Vietcombank sits at position 196 of 258 brands ranked on currency conversion fees, so overseas spending is costly for a traveller.

Is there a credit card as well as a debit card?+

Alongside the debit card there is an international credit card with an annual fee of VND 200,000. Everyday spending can instead run on the VCB-DigiCard, which keeps a monthly fee of VND 0.

Can I get a card for online spending only?+

A virtual card is on the list, letting you hold a card number for online payments without carrying the physical card. It sits alongside the debit VCB-DigiCard that keeps a monthly fee of VND 0.

What savings accounts are on offer?+

Deposits pay a fixed rate on a fixed rate basis, with deposit terms of 1 to 60 and a minimum deposit of VND 500,000 to VND 3,000,000. Access can also be flexible, rolled by day or by month, depending on the account.

How much can I borrow from Vietcombank?+

Vietcombank lends VND 2,000,000,000 as a direct lender, covering personal and secured loans and home improvement. Home purchase lending starts at 5.2%, with a maximum loan to value of 100% over a fixed period of 30.

How do I reach support?+

Support runs on phone and help centre, meaning phone and the help centre. Fee schedules, deposit terms and loan conditions are all worth checking through those channels before you commit money to a fixed rate deposit.

What insurance does Vietcombank sell?+

Vietcombank acts as a broker for cover spanning health, life and critical illness. Monthly payments are not offered, so cover is settled in one payment, and the health plans set an inpatient limit for each policy year.

Who is Vietcombank?+

Vietcombank is the Joint Stock Commercial Bank for Foreign Trade of Vietnam, based in Vietnam and founded in 1963. Its retail range covers a debit card, term deposits, personal and secured lending and home purchase mortgages.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Vietcombank

Vietcombank

Free day to day banking in Vietnam with a plain debit card.

9.0/10See alternatives