Mushroom hotpot, Tran Thai Tong St
₫1,280,000
₫320,000each
- Lam Anhpaid
- Minh Thupaid
- Quoc Baowaiting
- Ha Vywaiting
MTMinh Thu paid her share of hotpot+₫320,000
Paydaysorts itself.
Rent, savings and spending money are set aside the minute your salary lands. You open the app to one number: what's left to spend.
Work out your interest
+₫18,750,000 · Nov 5, 08:02 · Son Ha Logistics
Your salary lands at 08:02. By 08:03 it's in jars.
You set the rules once. Every payday after that, Vitrea pours the money where it goes before you've had breakfast.
₫7,511,000
Rent & bills
Due Dec 1, already put aside
₫2,812,500
Da Lat, Tet
15% of every salary
₫8,426,500
Left to spend
₫280,000 a day until Dec 5
Hotpot's done. The money finds its way back.
Split the bill without the reminders. Snap the receipt, pick who was there. Vitrea sends each person a transfer request and ticks them off when they pay.
Made in 8 seconds
A card for every errand
A card for every errandMake a card just for your movie subscription, online shopping or the trip fund. Done with it? Delete the card. Your main card never leaves your wallet.
- When salary lands15% into Da Lat, Tet+₫2,812,500
- Every card paymentRound up to ₫10,000+₫186,000
Put it in a jar. Watch it earn.
Take part of it out early if you need to. The rest keeps the rate you locked in.
If I put away ₫50,000,000 for 6 months, I get back ₫51,200,000.
Deposit
Term
That's Interest at maturity
for doing nothing. Rate: 4.8% a year
Interest at maturity: ₫1,200,000. You get back: ₫51,200,000.
Indicative rates from Nov 1, 2026. Simple interest, estimated by month. Early withdrawal: the part you take out earns 0.2% a year.
Lose your phone, not your money
01
Face check on every big transfer
Over ₫10 million in one go, or ₫20 million in a day, needs a face scan matched against the photo on your chip ID.
New phone? You scan your face again before you can sign in.
02
Freeze a card in one tap
Dropped your wallet or spotted a payment you don't know? Flip the switch and the card stops working. Unfreezing is one tap too, no call centre.
Virtual cards freeze on their own, the main card keeps working.
Main card ···· 2716Active. Payments go through.
Spent today ₫1,284,000 / ₫5,000,000
03
Spending caps per card
Cap by day, by month or by shop type. The movie card takes ₫260,000 a month at most; anything over is declined.
New limits apply instantly, not next business day.
Asked at 1am, answered by Quynh
Real questions from the last month, lightly trimmed. Replies take 2 minutes on average, around the clock.
Quynh, Vitrea support
- Duc, 01:12
How long does opening an account take? I'm in bed and don't want to go to a branch.
- Quynh
About 6 minutes, from bed is fine. You need your chip ID card and a phone with NFC to read the chip. No branch visit.
- Ngoc Han, 09:40
Any monthly fee? My old bank took ₫11,000 every month for nothing.
- Quynh
None, and no minimum balance. Domestic transfers are free 24/7. ATM withdrawals are free 5 times a month, then ₫3,300 each.
- Bao, 14:05
When does the plastic card arrive? I live in Can Tho.
- Quynh
5 to 7 business days for Can Tho, 3 to 5 in Hanoi and HCMC. Your virtual card works the minute the account opens.
- Lam Anh, 22:31
Do the jars actually earn anything?
- Quynh
Flexible jars earn 0.2% a year. Fixed-term jars earn the rates in the calculator above, and taking part out early doesn't touch the interest on the rest.
- Vy, 23:58
Can I split a bill with friends who bank somewhere else?
- Quynh
Yes. Vitrea makes a standard bank-transfer QR code, so they can pay from any Vietnamese banking app.
Open an account on your lunch break
Enter your number and we'll text you a download link. No marketing messages, ever.
- 1Scan your chip ID
- 2Face check
- 3Card ready to use