Designed for household businesses, startups, and SMEs, O-Pay caters to new customers and existing OCB users who have paused transactions. Businesses registering for this account package receive free essential services: domestic money transfers (online and in-person), state budget payments (customs and domestic taxes), account management, balance confirmations, and statements. Upon registration, customers also receive a complimentary preferred account number and are not required to maintain a minimum balance.
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A staff member introduces the new product to a customer. Photo: OCB |
A staff member introduces the new product to a customer. Photo: OCB
Unlike other account packages, O-Pay doesn't require a minimum demand deposit balance. The monthly registration fee is 200,000 VND. However, it's waived if users make at least one proactive transaction within the last three months. These include transactions via Omni Corporate Banking, in-person transactions, or receiving international funds. Businesses can also cancel their subscription at any time without incurring fees.
For larger businesses with frequent, high-volume transactions or those undergoing expansion, OCB offers the O-Max account package, launched in 4/2025. This package helps businesses predict and control annual banking transaction costs, potentially saving up to 30% on annual financial service fees without extra charges, even with increased transactions or additional OCB services.
O-Max fees are based on actual transaction volume. For new OCB customers or those resuming transactions, the fee is 70% of the total fees paid at other banks during the preceding 12 months. For existing OCB customers, it's 120% of their total OCB fees over the past 12 months. OCB encourages customers to consolidate their transactions with them to optimize costs and enhance benefits. Unlike fixed-fee packages, O-Max is tailored to each business's transaction needs, with flexible quarterly or annual payment options for better cash flow management. O-Max accommodates both domestic and international transactions.
According to an OCB representative, offering both O-Pay and O-Max is a strategic move to help businesses control financial costs, crucial in a volatile market. "We want businesses to have effective tools to increase profits, enhance competitiveness, and achieve sustainable growth," the representative said.
Hoang Dan
