Stepping into 2026, in the context of a mixed economy of many challenges - from input cost pressure, the requirement to improve management efficiency to increasingly fierce competition trends, the problem of optimizing cash flow is becoming a priority strategy of the Vietnamese business community. In particular, for the small and medium-sized enterprise sector - the group accounting for more than 97% of the total number of enterprises in our country, controlling financial costs and operating costs is of key significance in maintaining competitiveness and sustainable development capacity.
Reality shows that expenses related to money transfers, account management and use of electronic banking services, although not large in each individual transaction, when accumulated over time, can create a significant burden for businesses. Many studies by international financial institutions show that optimizing financial costs and digitizing payment processes can help businesses save significant operating costs each year, while improving transparency and efficiency in cash flow management.
In that context, commercial banks are expected not only to play the role of capital providers but also as financial partners, accompanying businesses through practical incentive policies, focusing on cost reduction and simplification of procedures. Recently, Bac A Commercial Joint Stock Bank (Bac A Bank) officially launched the preferential program "Quick fee reduction - Prosperity accompaniment" for corporate customers, valid until September 30, 2026, creating a favorable financial platform to support businesses in conquering production and business goals in 2026.
Service fee incentives – Lever for operational efficiency, improving competitiveness
An important highlight of the program is comprehensive incentives on payment service fees and e-banking. Accordingly, business customers who have transactions at Bac A Bank are free for 12 months for services: Depositing and withdrawing cash; transferring money to Bac A Bank accounts and transferring money to other systems; electronic banking services (including Internet Banking, Mobile Banking and SMS Banking).
This is a policy that is considered practical for businesses with specific transaction, payment and cash flow monitoring in real time regularly. Notably, for new customers, banks do not require maintaining a minimum balance, thereby creating conditions for businesses to reduce cash flow pressure, proactively allocate capital sources for core activities, especially in the initial or expanding production and business stages.
Beautiful number account – From financial utilities to brand value
In parallel with the fee policy, Bac A Bank's "Quick fee reduction - Prosperity accompaniment" program also offers remarkable incentives on beautiful number account services for business customers. Accordingly, businesses are free of charge for Lucky Accounts and Phu Quy Accounts, with highlights being the digits 6 and 8, repeated number, mirror, progressive number, three-digit, God of Wealth... These are all numbers and types of accounts favored by many businesses thanks to their meaning of bringing good luck and convenience in business.
Owning a beautiful number account not only has identification and feng shui elements but also contributes to enhancing the professional and reliable image of the business in transactions with customers and partners. The conditions for applying incentives are designed to be flexible and simple, when businesses and organizations only need to maintain an average CASA balance of 300 million VND, or use loan/guarantee services at Bac A Bank for 3 months from the date of opening a payment account.
Privileges for small and medium-sized enterprises – Removing procedural bottlenecks
For groups of customers who are micro-enterprises as prescribed in Clause 1, Article 5 of Decree 80/2021/ND-CP, without state capital, operating in the fields of agriculture, forestry, fishery; industry & construction; trade & services, Bac A Bank applies the policy at the time customers open CIF code and payment account, not requiring businesses to provide "Decision to appoint or contract to hire chief accountant/person in charge of accounting".
This solution contributes to removing one of the common barriers that many small and medium-sized enterprises, especially micro-enterprises, face when accessing financial services. Thereby, businesses can shorten the time to complete procedures, quickly bring business and payment activities into a transparent, systematic and professional framework.
It can be said that with a comprehensive approach, focusing on reducing costs, improving experience, removing procedural barriers, and meeting the actual needs of customers, the program "Quick fee reduction - Prosperity accompaniment" continues to affirm Bac A Bank's sustainable development orientation in its role as a reliable financial partner, accompanying the Vietnamese business community on the journey of optimizing resources, towards long-term growth goals.
To learn more about attractive promotions for businesses, please visit the website: www. baca-bank. vn, or contact the Customer Care Hotline 1800 588 828 or Bac A Bank's National Branch/Transaction Office system.
