This regulation and Circular 25 of the State Bank of Vietnam, effective from March 1, 2026, require business households to open and use accounts to serve business activities with the correct name on the business registration. But instead of just seeing this as compliance pressure, a great opportunity is opening up: For the first time, business households can access unsecured loans up to 2 billion VND with interest rates from only 10%/year.
From compliance pressure to operation standardization opportunities
Circular 25 with clearer requirements on notification and management of accounts serving business activities, is forcing business households to change. But on the contrary, this is also the time to re-establish financial operations in a more methodical direction, from account separation, cash flow monitoring to taking advantage of banking tools to optimize operations.
Grasping this need, VPBank has implemented the household business account solution with the orientation of not only meeting compliance requirements, but also supporting businesses to manage cash flow effectively and access appropriate financial resources.
In that context, household business accounts are gradually becoming a platform for businesses to control cash flow, be proactive in capital sources and build long-term development plans.
Series of "custom-made" incentives for business operation needs
VPBank brings a series of special offers for business household accounts and ETax linkages accompanied by credit policies in the market. Accordingly, unsecured credit products with a limit of up to 2 billion VND, interest rates from only 10%/year, pre-approved limits up to 500 million VND are extremely suitable for business requirements that require rapid capital replenishment and flexible capital rotation.
For business households with greater capital needs, the mortgage loan package allows disbursement of up to 20 billion VND, with interest rates from 4.99%/year, creating a level of capital costs competitive enough for business households to boldly make large investment decisions. In parallel with capital incentives, VPBank implements a household business account solution package in the direction of "open and use immediately", with many practical benefits for both business households and individual businesses.
For business households, as soon as they open an account, customers will receive a beautiful number account, Soundbox speakers to announce balance fluctuations when meeting the conditions, a diverse QR code set and refunds of up to 400,000 VND when meeting the conditions for maintaining balance. Customers also have the opportunity to receive a series of preferential vouchers from reputable partners of VPBank in many fields such as MISA, BE, LYNKID and BETA CINEMA accounting.
If you are a business individual, when opening an account and linking to ETax, you will be free to choose a beautiful account number according to phone number, date of birth, anniversary..., free of charge for all online money transfer transactions, free cash withdrawals at ATMs nationwide; especially, the Super Profit feature with outstanding interest rates will help optimize idle money in the account.
Opening a household business account at VPBank, customers have access to a synchronously designed solution ecosystem for business operations. First of all, the ability to manage cash flow clearly and transparently through the Shop Thinh Vuong platform, helping to monitor revenue and expenditure and operating efficiency. The account fully meets legal requirements when directly connected to MISA accounting software and the ETax electronic tax system, supporting quick tax declaration and payment, limiting errors.
The product also brings financial added value with profitability on balance, interest rates up to 4.5%/year, and comes with refund programs when meeting usage conditions. The entire account opening process is digitized, allowing online registration in just about a minute, helping business households quickly start and optimize operations right from the first steps.
Opening household business accounts at the present time not only helps meet the requirements from management agencies, but is also an opportunity to take advantage of many benefits at the same time: from large capital sources with low interest rates, effective cash flow management tools to operating support incentives.
From a long-term perspective, the difference between a stable business household and a struggling business household is often not in how much they sell, but in how they manage cash flow and take advantage of financial resources. And in that picture, transitioning to a systematic operating model right now may be a decisive step.
For more details, please contact hotline 1900 54 54 15 or visit website https://goihotrov20000. vpbank. com. vn/
From March to June 2026, VPBank continues to implement a series of consulting, answering, and supporting business households and individual businesses to register household business accounts at many markets and sales locations in Hanoi, Ho Chi Minh City and Da Nang; in coordination with tax authorities nationwide, organize consulting sessions and disseminate policies, thereby helping business households update new regulations and gradually standardize financial activities.
