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Vpbank Approves Unsecured Overdraft Online

Published by Gbaf News

Posted on September 28, 2016

4 min read

Last updated: January 22, 2026

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VPBank is deploying online unsecured overdraft service for a specific group of customers who have salary account at VPBank.

Overdraft is a loan granted on a current account for the customer to exceed the balance on his/her account. The customer owes an interest on the amount taken. Online underwriting limit of this product is from VND 10 – 20 million, depending on the salary of customer. The limit can be raised to VND 200 million if customers apply at the counter.

Conditions for online overdraft approval:

Have salary account at VPBank
Work at the following organizations: Hanoi Public Security Department, VCCORP Company, Wondo Company, Nhabe Garment Corporation, Dong Anh Footwear Joint Stock Company.

Product benefits:

Get money within 10 minutes after online registration
No need to prove collateral
Withdraw money at ATM or transfer money as normal debit account
No interest if refund on the same day
Register anytime, anywhere, with internet-connected device
Easy expenditure management
Collect debt automatically

This product is suitable for customers:

Need to address urgent personal spending, flexible capital demand
Can manage the solvency
Do not have time to apply at the counter

Interest charge based on the loan amount and actual loan period

Interest/month = Σ (actual loan amount * overdraft interest rate * overdraft borrowing actual loan days) / 360

Registration procedure is simple with three online steps:

Customers have already had VPBank Online account

Step 1: Access VPBank Online (https://online.vpbank.com.vn) -> Login
Click “loan” -> “Online loan” -> “Personal Overdraft Loans” -> Click “I have read and understood the general regulations of unsecured overdraft loan” -> “Continue”

Step 2: Select “Account overdraft applicants” (Note: Select the account salary list) -> Fill in the required information -> Select “Continue”.
Step 3: Validate the transaction by code and password OTP VP Online -> Done

Customers have not had VPBank Online account

Access VPBank Online (https://online.vpbank.com.vn) -> Register a new account. Fill all information. After completing the registration and activate your account, follow all the steps as above.

Detailed information, please contact the Hotline 1900 54 54 15

VPBank is deploying online unsecured overdraft service for a specific group of customers who have salary account at VPBank.

Overdraft is a loan granted on a current account for the customer to exceed the balance on his/her account. The customer owes an interest on the amount taken. Online underwriting limit of this product is from VND 10 – 20 million, depending on the salary of customer. The limit can be raised to VND 200 million if customers apply at the counter.

Conditions for online overdraft approval:

Have salary account at VPBank
Work at the following organizations: Hanoi Public Security Department, VCCORP Company, Wondo Company, Nhabe Garment Corporation, Dong Anh Footwear Joint Stock Company.

Product benefits:

Get money within 10 minutes after online registration
No need to prove collateral
Withdraw money at ATM or transfer money as normal debit account
No interest if refund on the same day
Register anytime, anywhere, with internet-connected device
Easy expenditure management
Collect debt automatically

This product is suitable for customers:

Need to address urgent personal spending, flexible capital demand
Can manage the solvency
Do not have time to apply at the counter

Interest charge based on the loan amount and actual loan period

Interest/month = Σ (actual loan amount * overdraft interest rate * overdraft borrowing actual loan days) / 360

Registration procedure is simple with three online steps:

Customers have already had VPBank Online account

Step 1: Access VPBank Online (https://online.vpbank.com.vn) -> Login
Click “loan” -> “Online loan” -> “Personal Overdraft Loans” -> Click “I have read and understood the general regulations of unsecured overdraft loan” -> “Continue”

Step 2: Select “Account overdraft applicants” (Note: Select the account salary list) -> Fill in the required information -> Select “Continue”.
Step 3: Validate the transaction by code and password OTP VP Online -> Done

Customers have not had VPBank Online account

Access VPBank Online (https://online.vpbank.com.vn) -> Register a new account. Fill all information. After completing the registration and activate your account, follow all the steps as above.

Detailed information, please contact the Hotline 1900 54 54 15