In the context of economic transparency, new regulations promote business households to switch to the enterprise model, improve management capacity and meet development requirements. According to the Ministry of Finance, in the first 8 months of 2025, the whole country has 2,250 business households converted into enterprises, 128,000 newly established enterprises with a total capital of more than 1.25 million billion VND, about 110,000 business households using electronic invoices. These figures reflect a strong conversion trend.
However, the conversion requires many requirements such as accounting standardization, financial reporting transparency, labor compliance, insurance and legal standards. Many new businesses do not have operational experience, lack financial - accounting knowledge, leading to a situation of " conversion on paper" without improving operational efficiency. The lack of resources and systematic processes is a major obstacle for this group of businesses.
In order to improve this situation, SeABank launched a comprehensive financial - non-financial solution package for newly converted enterprises, accompanying in removing obstacles and supporting from the initial steps, creating momentum for sustainable development in the long term.
Support for capital flow optimization, cash flow management
Many newly converted enterprises are having difficulty with capital and collateral. SeABank's support package solves this problem through flexible financial products, integrating many cash flow management utilities. Business credit cards do not require guaranteed assets, limit to 300 million VND, helping to supplement working capital. SeABank exempts issuance and annual fees for the first year for corporate debit cards, supports the construction of a cashless payment system.
The bank added 0.3%/year interest rate for a deposit contract with a term of 6 months, reduced issuance fee by 50% and changed the guarantee for the first 12 months, and provided free account management, domestic payments and beautiful account numbers, helping businesses save costs. SeABank also offers 12 months of free electronic banking services and salary transactions, bank transfers via digital channels, helping to manage cash flow flexibly.
Accompanying the improvement of governance and operation capacity
In parallel with financial support, SeABank focuses on improving governance capacity through the online copyright tax and accounting training program, including two contents: taxes and electronic invoices for business households; corporate accounting platform for financial reporting, cost management and cash flow. The program is free for business households and small businesses nationwide, helping to update knowledge and standardize the operating system.
The course helps businesses grasp legal regulations, establish a standard accounting system, reduce risks and improve financial analysis capabilities, while identifying appropriate operating models and planning long-term development strategies.
With a comprehensive solution package, SeABank accompanies newly transformed enterprises to overcome the initial difficult period, build a transparent and sustainable operating platform, demonstrating its commitment to developing the Vietnamese business ecosystem.
Information about SeABank
Established in 1994, SeABank is one of the leading joint stock commercial banks in Vietnam with nearly 4 million customers, more than 5,300 employees and 181 transaction points nationwide. SeABank's goal is to become a typical retail bank with a customer-centric strategy by providing a diverse system of financial products and services for individuals, small businesses and large enterprises. SeABank is considered one of the banks with an important position in the banking system with a charter capital of VND 28,450 billion, ranked Ba3 by Moody's in many important categories, and is one of the first banks to implement the Basel III international risk management standard.
According to the "Digital convergence" development strategy, SeABank focuses on digitizing products and services as well as applying technology in internal operations and investing in building modern technology infrastructure to optimize processes, increase operational efficiency, bring customers a different experience in digital banking services, aiming to become the most favorite retail bank.
