Phone in hand - receive immediate support of up to 10 million Vietnamese dong through the Cashberry app

Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

By clicking on the Get a loan button above, you agree that you have read and agree with all content provided in the Terms and Condition and Privacy Policy

Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Bank cards are increasingly used in popular transactions such as transfers, withdrawals or payments while shopping. However, each card will have different features. Therefore, understanding the characteristics of bank cards will help you choose the right card for your needs.

Bank cards are increasingly used in popular transactions such as transfers, withdrawals or payments while shopping. However, each card will have different features. Therefore, understanding the characteristics of bank cards will help you choose the right card for your needs.

So what is the differentiation of bank cards? Which bank card should I make? Which bank card does not charge any fee? All will be answered by CashBerry in the article below.

What is a bank card?

A bank card is a card issued by banks or certain financial companies, to carry out card transactions on terms and conditions agreed by the parties. This is a non-cash payment tool, bringing many benefits for users when paying for goods and services or withdrawing cash at banks or at automatic teller machines (ATMs).

In terms of structure, the bank card is designed to be a piece of plastic made of plastic material, rectangular in standard size, usually 8.5 * 5.5 cm. The main information on the front and back of a bank card includes:

Card front:

● Card number, effective date of card.     

● Cardholder's name.     

● Name and logo of card issuer.     

● Name of the card type.     

● Chip card.     

Card back:

● The magnetic tape contains encoded information.     

● Cardholder's signature.     

● Logo of domestic switching organization.     

Popular types of bank cards today

The most commonly used bank cards today:

Credit card

A credit card is a bank card that allows customers to spend first and pay later in a specified period of time. If the debt is overdue (usually 45 days ), the bank will charge the penalty interest for deferred payment according to the regulations of each bank.

Each credit card will be assigned a separate spending limit by the bank and users can only pay and spend within that limit. To apply for a card, you need to demonstrate financial capacity or valuable assets. Based on that, the bank will determine the cardholder's ability to repay and give an appropriate credit limit.

The most commonly used credit cards are: standard class card, gold card, platinum card, private card, business card, domestic card, international card. Using your credit card, you will receive the following offers:

● Flexible and convenient payment domestically and internationally     

● Minimize the risk of losing cash. In the event of a card loss, the cardholder should contact the card issuer bank to blockade the credit card.     

● Enjoy many attractive shopping deals     

● Track your spending easily     

Debit card

The debit card is linked directly to the current account at a bank, used by the mechanism of top-up and spending later, within the amount of money in the bank account. That means, you can only pay, transfer, cash out at ATMs when there is money in the card and your money is deposited, not borrowing from the bank. As a result, the debit card has no credit limit, only a daily transfer limit. Card users do not have to worry about payment terms and interest rates like credit cards.

This type of card appeared first with the function of cash withdrawal at automatic transaction machines (ATMs), so it is also known as an ATM card. Later, to expand utility, the card was developed into a more comprehensive debit card with the ability to pay for products, goods and services.

Current debit cards are classified by card class, including: standard cards and higher class cards such as gold-grade debit cards.

Prepaid card

With prepaid cards, you do not need to open a bank account to make a card but just top up the card and spend within the deposit limit. Prepaid cards are divided into two main types: identification cards (with full information about the cardholder, can withdraw money at ATM) and non-identification cards (can open without ID, cannot withdraw at ATM) .

Note : prepaid cards can perform many transactions but cannot transfer. Because it is not linked to a bank account, you have to deposit money into a prepaid card before you can use it, so it is more inconvenient than the two cards above.

The incentives when using prepaid cards include:

● Payment of gasoline, oil, electricity, entertainment services, transportation, transportation and online goods and service purchase on websites is easy.     

● When a card is lost, it will not affect the card in the bank account     

● Both domestic and international cards are available     

● Do not worry about hacker attacks and taking money from the cardholder's bank account. In the worst case, the cardholder can only lose the money in the card.     

● Parents can use the card in advance to instruct their children to manage their own spending and keep track of card transactions.     

In addition to the three popular bank cards mentioned above, there are other types of bank cards that are distinguished by different criteria. Let CashBerry learn to become a modern, smart consumer.

Different types of bank cards

Each type of bank card will have different properties and usage and are categorized based on the following characteristics:

According to the nature of the card

● Internal money is required to perform transactions: debit card and ATM card, prepaid card.     

● You can spend first, pay later in an allowable time and have a certain limit: credit card.     

According to technical properties

● Magnetic card: With a magnetic tape containing information on the back of the card.     

● Chip card: Use an electronic chip.     

According to the issuer

● Commercial Bank.     

● Non-bank credit institutions.     

According to the scope of use

● Domestic card: ATM card     

● International cards: International debit cards, credit cards, prepaid cards, cards issued by international financial institutions such as Visa, Mastercard, JCB, ...     

Some notes when going to make cards and transact securely with bank cards

General principles when using the card:

● Be sure to check the information on the card when receiving the card.     

● For debit cards, it is necessary to change the PIN right after receiving the card.     

● Do not set a password related to date of birth, phone number, ...     

● Do not write your password on the card or anywhere to avoid disclosing information and being exploited.     

● Always keep your PIN confidential, never give your card to anyone except a bank employee or cashier assigned to work with you.     

● Do not disclose the information recorded on the front and back of the card.     

● Regularly monitor and check fluctuations related to individual accounts, card limits.     

How to preserve a bank card:

● Do not bend or fold the card.     

● Do not scratch the black magnetic tape on the back of the card.     

● Do not place the card near electronic devices that can broadcast, as this may damage the data on the card.     

Transaction at ATM:

● When making transactions at ATMs, you need to carefully shield your hands when entering your PIN and look around to avoid being used by bad guys.     

● It is recommended to change the PIN regularly to ensure safety.     

● If you see any abnormal signs in the card reader or keyboard slot, you should not perform the transaction.     

● ATMs at banks will have higher security and are less likely to be installed by other people with chips and cameras that steal information.     

● Be careful when dealing in places with lots of tourists.     

Payment by card at merchants:

● When making payment transactions, it is necessary to observe the cashier's card payment process and surrounding irregularities.     

● Check transaction information, purchase invoices.     

Payment via Internet:

● Choose reputable and legal payment websites to avoid data theft.     

● Only open the online payment function when required and log out immediately after completing the transaction.     

When doing procedures for opening a bank card:

To apply for a bank card quickly, you should prepare the necessary documents at home. Besides opening cards directly at banks, customers can also choose to open online cards provided by banks.

Which bank card should I make?

Currently, bank cards are no longer unfamiliar in the daily life of many people, especially the race to expand card sales at many banks is increasingly fierce. Therefore, promotions and incentives such as opening free bank cards are becoming more and more attractive. Let's join CashBerry to check out the banks that are free of charge card services today!

In addition to the fees incurred when conducting the card opening procedure at the bank, you should consider the following factors before deciding where to apply for a card.

Criteria for choosing the bank to open the card

● Popularity     

Banks with wide popularity will have broader affiliates. The more density of that bank's points of acceptance will make your payment go quickly and conveniently.

● Offer when opening a bank card     

Most at banks today, when opening a credit card you will receive many attractive incentives such as gifts, discount vouchers, while opening a debit card has almost no incentives.

Card opening incentives will give you many opportunities to experience shopping and entertainment services or without charge of card opening fees.

● Withdrawal limit     

Many banks only allow customers to withdraw a certain amount of the card's limit. This is sometimes at a disadvantage for you. Therefore, choosing a bank that allows 100% withdrawal of the limit will be the appropriate choice.

● Fees for using the card     

Currently, when using a bank card, customers are often charged many fees such as cash withdrawal fees at ATMs, annual fees, transfer fees, internet banking service fees, ... low cost and fee incentives will help you maximize your finances.

● Security     

When opening a bank card, customers need to provide personal information such as full name, occupation, address, ID number, phone number, ... Each card has a card number, account number and PIN. This information is extremely important, if it is revealed you could have your account stolen or lose control of your own account.

Therefore, a bank with a stable information system with multiple layers of security such as 2-layer OTP, secure 3d technology ... will protect information more safely.

● Digital banking (online service)     

In a busy life, it is essential to minimize card opening procedures and limit direct travel to the bank. Online services or digital banking will save you a lot of time, money and effort.

● Banks make free cards     

Both offer free card opening service, but these banks have different rates, interest rates and supply limits. You need to rely on consumer needs and personal expectations to choose the appropriate bank to open the card.

Compare ATM cards of banks

To make the comparison easier, CashBerry will split the bank into groups.

Group 1: Bank Vietcombank, Sacombank, BIDV, Agribank, Vietinbank, Techcombank.


Annual fees

ATM fee

Electronic banking

Interest rate


- Issuing fee: 50,000 VND / card

- Maintenance fee: 30,000 VND / year

- Withdrawal at ATM VCB: VND 1,650 / transaction

- Cash withdrawal outside VCB's ATM: 3,300 VND / transaction

+ 120,000 VND / year

+ Including Digibank mobile / website and Bankplus service

0.1% demand deposit


- Issuing fee: 50,000 VND

- Maintenance fee: 10,000 - 50,000 VND depending on type

- Cash withdrawal at Agribank: 1,000 VND / transaction

- Withdraw other ATMs: 3,000 VND / transaction

+ 50,000 VND / year

+ Services: Internet Banking, Mobile Banking and SMS Banking

0.1% demand deposit


- Issuance fee: 50,000 VND for regular card and 100,000 VND for premium card

- Maintenance fee: 48,000 VND / year

- Vietinbank ATM withdrawal: 1,100 VND / transaction

- Withdraw other ATM money: 3,000 VND / transaction

+ 108,000 VND / month

+ Services: Ipay Mobile and iPay website

0.1% demand deposit


- Issuing fee: 99,000 VND (free international payment card)

- Maintenance fee: 66,000 VND / year

- Sacombank ATM withdrawal: 1,000 VND / transaction

- Withdraw other ATM money: 2,500 VND / transaction

- Service 15,000 VND / month

- iBanking and mBanking services

0.1% of demand deposit


- Issuing fee: 30,000 - 100,000 VND / card (depending on card type)

- Maintenance fee: 30,000 VND / card (except for BIDV Harmony card 60,000 VND)

- Withdraw money at BIDV ATM: 1,000 VND / transaction

- Withdraw other ATMs: 3,000 VND / transaction

Service fee: Free

- Have BIDV online, Smart BIDV, Bank plus



- Card issuance fee: 90,000 VND

- Annual fee: 60,000 VND

- Techcombank ATM withdrawal: VND 2,000 / transaction

- Withdraw other ATM money: 3,000 VND / transaction

+ Maintenance fee: 100.00 VND / year

+ Including Internet Banking / Mobile Banking Techombank


Debit card comparison table of banks

Group 2: Bank VP bank, TPbank, ACB, Dong A, VIB, MB Bank, MSB


Card fee

ATM fee

Electronic banking

Interest rate


- Card opening fee: 20,000 VND / card

Management fee: Free

Vpbank ATM withdrawal: Free

- Withdraw money at other bank ATMs: Free

- Maintenance fee: Free

- SMS Banking: 10,000 VND / month


TP bank

- Card opening fee: Free (with photo of 100,000 VND)

- Annual fee: 50,000 VND / year

- Tpbank ATM withdrawal: Free

- Withdraw money from other banks: 3,000 VND / transaction

- Fee: 60,000 VND / year

- eBank service: Internet Banking + Mobile Banking


MB bank

- Card opening fee: 50,000 VND if not paying salary via Mb bank

- Maintenance fee: Standard class card 60,000 VND / card and Platinum grade 100,000 VND / card

- Withdraw at ATM MB: VND 2,000 / transaction

- Withdraw money at other banks' ATM: 5,000 VND / transaction

- Free

- Including: MB bank online, App MB bank, SMS Banking



- Card opening fee: 50,000 VND

- Maintenance fee: 50,000 VND / year for Values ​​card, Classic and Platinum are 149,000 VND / year

- VIB ATM withdrawal: Free

- Withdraw other ATM money: 3,300 VND / transaction

- Usage fee: Free



- Account opening fee: Free

- Management fee: SDTK below 50 million free of charge and over 50 million fee 50,000 VND / year

- MSB ATM withdrawal: Free (M-Money package fee 1,000 VND)

- Withdraw other ATMs: 3,000 VND

- Non-use: Free



- Card opening fee: Free

- Card management fee: 50,000 VND / year

- ACB ATM withdrawal: 1,100 VND / transaction

- Withdraw other ATM money: 3,300 VND / transaction

- Maintenance fee: Free (except for customers using OTP Token, the fee is 10,000 VND / month


East Asia

Issuance fee: Free

- Annual fee: 0 -50,000 VND / year

- Dong A ATM withdrawal: 2,200 VND / time

- Withdraw other ATM money: 3,300 VND / time

- Registration fee: Free

- Maintenance fee: transaction under 10 million / day 9,900 VND

- Fee 50,000 VND for transactions over 100 million / day


Domestic card comparison table of private joint-stock commercial banks

The above information may be subject to change depending on the program and the period of the bank.

Where should I get a free bank card?

Which bank card does not charge any fee? You can refer to the list below:

● VP bank     

● ACB Bank     

● Dong A Bank     

● PVcombank     

● Sacombank Bank     

● SHB Bank     

● Sea Bank     

● Vietcombank Bank     

● TP bank     

Which bank card should I make for student 2021?

To save the cost of using ATM cards for students, people should choose banks with student affiliate cards, which have free ATM withdrawal fees.

● MBbank     

● Sacombank Bank     

● Vietcombank Bank     

● Vietinbank     

● MSB Bank     

● VIB Bank     

● BIDV Bank     

Which bank credit card should I make?

● HSBC credit card     

● Vietcombank credit card     

● VPBank credit card     

● Techcombank credit card     

● VIB credit card     

● Citibank credit card     

● Sacombank's credit card     

● BIDV credit card     

● Credit card TPBank     

In the era of technological development, a bank card is an indispensable financial tool for any adult. Using a bank card means you are reducing a lot of cash risks, especially when traveling or working. In addition, with the support of banks today, it is neither difficult nor time-consuming for you to own a convenient card. A convenient card in addition to help you easily pay, also can receive loans quickly.

Are you in need of a consumer loan of 1-10 million? Contact CashBerry for consulting support, receive money within the day.

Borrowing online, receiving money via ATM card is just 2 minutes!

With the development of modern technology, from now on you can not only pay online but also borrow money online , and receive money online via bank card!

NO mortgage        

NO proof of income        

NO registration fee        

FREE profile making        

QUICK MONEY LOANS during the day        

RECEIVE MONEY within 2 minutes        


ID / CCCD        

Over 18 years old        

Have an ATM card        

Come on! Experience the super fast browsing speed of CashBerry! Register for a loan by downloading the CashBerry app on CH Play or on the website: !

Help Help