The product is the optimal financial solution in order to fund for temporary shortage of capital. Using the product, clients can spend over an existing balance on the account at all times.

  • Having current accounts in BAOVIET Bank that has been acting for at least 3 months
  • Credit balances average of the last 3 months ≥ VND100 million
  • Other conditions of BAOVIET Bank


  • Meeting the need of capital quickly, timely and flexible
  • Saving borrowing costs, manage loan costs thanks to the automatical loan collection system
  • Convenience and safety methods of overdraft: Commission of payment, check, bank transfer
  • Large overdraft limit: Up to VND10 billion
  • The long-term overdraft: Maximum 12 months
  • Flexible Collateral: Overdraft with or without collateral
  • Simple Procedures
  • Competitive interest rates


  • Overdraft Limit Granting Request
  • Legal document
  • Financial statements
  • The contract inputs and outputs in operating
  • Business plan
  • Documents to prove ownership of collateral (in case of overdraft with collateral)