Specifically, BIDV designed the "daily interest deposit" product for businesses managing custodial funds, escrow accounts, or funds awaiting payment. Interest is accrued each day, and a compound interest mechanism allows the earned interest to generate further returns. This approach optimizes cash flow efficiency and supports business liquidity. With a BIDV transaction account, managers gain an additional tool to control cash flow while better leveraging the time value of money.

Additionally, the bank developed a secure, flexible certificate of deposit product – CD Flex, addressing businesses' need for optimized cash flow management. Unlike traditional certificates of deposit, this product allows customers to sell it back early when capital is needed, while still earning a corresponding early withdrawal yield based on the holding period.

According to a BIDV representative, CD Flex ensures capital security and helps businesses maintain the profitability of their funds while providing access to capital for unexpected payment needs or changes in short-term financial plans.

Deposit solutions for businesses. Photo: BIDV

Beyond deposit products, BIDV also introduced an "automated profitable investment" solution for commercial and service businesses with frequently fluctuating cash flows. With this solution, idle funds in accounts are automatically invested at a frequency chosen by the business.

Businesses can still make payments first and reconcile later without manually balancing funds within the day. This mechanism optimizes cash flow utilization, especially for entities with high capital turnover rates. The bank states that the solution is currently offered free of charge, with a simple registration process and profit generation activated on the same day.

According to BIDV, these three solutions are structured around three criteria: flexibility, efficiency, and security. The bank expects these solutions to help businesses manage cash flow more effectively within the digital ecosystem, saving operational time and enhancing adaptability to market fluctuations.

Minh Ngoc