From the end of February 2026, VPBank launched a series of activities in many localities across the country to spread information about new regulations on the use of accounts for business operations, as well as incentives from the ecosystem exclusively for VPBank CommCredit business households.
Accompanying business households to standardize cash flow
The event aims to target the business household community, helping customers better understand the separation of personal accounts and business accounts according to Circular 25 effective from March 1, 2026 and access appropriate financial solutions. In the opening day alone, activities in the two major cities reached about 20,000 customers, reaching a new account opening rate of up to 25% of the number of customers accessing.
VPBank's business team is also directly present at traditional markets to advise on opening household business accounts and accompanying financial solutions. In Hanoi, access activities are implemented at Hom market, one of the old markets with many household businesses in the fields of garment, food and household appliances. Meanwhile, in Ho Chi Minh City, business staff are present at Binh Tay market and Tan Dinh market, two markets famous for bustling wholesale and retail activities.
Ms. Nguyen Thi Lan, owner of a clothing business household at Hom market (Hanoi) said that she was initially quite hesitant when she heard that she had to separate her business account. "Previously, I mainly used personal accounts to receive transfers from customers. When advised by VPBank staff, I understood more clearly that opening a business household account would help manage cash flow, and later working with tax authorities would also be more convenient. You also introduced QR payment solutions and Soundbox speakers to announce balance fluctuations, along with many other incentive programs," she shared.
Mr. Tran Minh Hoang, owner of a spice stall at Binh Tay market (Ho Chi Minh City), said that changing accounts according to Circular 25 may initially make many people feel unfamiliar, but if specifically guided, it will gradually become convenient.
Accordingly, VPBank CommCredit introduces a set of financial solutions specifically for business households with many incentives: Free choice of beautiful number accounts, gifted Soundbox to announce balance fluctuations and enjoy refund incentives of up to 400,000 VND when opening a new account. VPBank CommCredit international debit cards are free of charge for the first year, with a maximum refund level of 9.6 million VND per year.
Customers who simultaneously open personal accounts and business household accounts will also receive LynkiD points and enjoy a bonus mechanism according to the average account balance increase.
Business household accounts are also connected to payment and management tools such as Misa sales software, Shop Thinh Vuong platform or Super Sinh Loi service with yields up to 4-5%/year. In addition, VPBank provides additional financial solutions to support business development such as CommCredit credit cards with a limit of up to 500 million VND and loan packages for production and business with a limit of up to 20 billion VND, interest rates from 4-99%/year.
According to a representative of VPBank, business household accounts are not only a requirement to comply with new regulations but are also considered a starting point for business households to access a specialized financial service ecosystem. When business cash flow is separated and standardized, customers will be more convenient in managing revenue, tax declaration as well as building a transparent financial history.
In the coming time, VPBank aims to develop a comprehensive ecosystem for business households, in which business household accounts play the role of a "central connection point", linking payment tools, revenue management, electronic invoices, tax declaration and payment as well as financial solutions serving production and business activities.
Developing the "all-in-one" digital solution suite to comprehensively support more than 5.4 million business households
In parallel with direct support activities in the small trader community, VPBank also simultaneously signed a Memorandum of Understanding on cooperation with tax authorities in 34 provinces and cities across the country to strengthen coordination in supporting business households to adapt to the new tax mechanism.
Accordingly, VPBank develops the "all-in-one" digital solution suite to comprehensively support more than 5.4 million business households in Vietnam: Recognizing revenue and cash flow transparently through accounts, managing sales activities, supporting accounting, connecting electronic invoices - digital signatures and performing declaration and tax payment steps more conveniently. All tools are located on one platform to help business households conveniently monitor, reduce implementation costs and limit errors in the implementation process.
