New regulations require individuals and business households with 2025 revenue below 500 million VND to report their business bank accounts to tax authorities by 20/4. Additionally, State Bank of Vietnam Circular 25, effective from 1/3, mandates that accounts used for business operations must match the name on the business registration.

Many business households still operate traditionally, without clear separation between personal and business finances. As operations expand, inadequate cash flow and profit control can impact operational efficiency and access to capital.

In response to this situation, VPBank developed an integrated business household account solution, meeting compliance requirements and supporting financial management.

To support capital needs, VPBank introduced credit packages for customers using business household accounts and linked eTax. The unsecured loan product offers a maximum limit of 2 billion VND, with interest rates starting from 10% per year, and pre-approved limits up to 500 million VND, suitable for short-term capital needs.

For larger capital requirements, secured loans can reach limits of up to 20 billion VND, with interest rates starting from 4,99% per year. Additionally, the bank offers a "ready-to-use" business household account solution, providing practical benefits for both business households and individual entrepreneurs.

Specifically, customers opening business household accounts can choose their preferred account numbers, receive complimentary QR payment kits, transaction notification devices (Soundbox speakers), and get up to 400,000 VND cashback when meeting balance maintenance conditions.

Business households also have the opportunity to receive various discount vouchers from VPBank's partners in areas such as: Misa accounting, Be, LynkiD, and Beta Cinema. Individual entrepreneurs opening eTax-linked accounts will receive free online transfers, nationwide ATM withdrawals, and assistance in selecting premium account numbers based on their phone numbers, birth dates, or anniversaries.

VPBank supports business households in linking accounts for tax declarations on eTax. *Photo: VPBank*

Beyond incentives, business household accounts integrate operational support tools like: income and expenditure tracking, cash flow management, and connectivity with Misa accounting software and the eTax electronic tax system via the Shop Thinh Vuong platform. This allows business owners to declare and pay taxes, and control financial operations more conveniently.

Furthermore, the product offers added financial value with an interest-earning feature on balances, a maximum interest rate of 4,5% per year, and cashback programs when usage conditions are met. The account opening process is digitized, allowing online registration in a short time, helping business households quickly access and use the service.

In addition to tools and capital support, from March to June 2026, VPBank will implement advisory programs and assist with business household account registration at various markets and sales points in Ha Noi, TP HCM, and Da Nang. The bank will also collaborate with tax authorities to disseminate regulations and guide business owners in standardizing financial operations.

According to a bank representative, combining business accounts with management tools and credit not only helps business households meet management requirements but also proactively manage capital and development plans.

Amid increasing capital demand and a rapidly changing business environment, establishing a clear financial foundation is crucial for business households to enhance operational capabilities and achieve sustainable development.

(Source: VPBank)

Interested readers can contact hotline 1900 54 54 15 or visit here for more information.