SeABank introduces an all-in-one solution package to help small businesses digitize cash flow
14/04/2026
Ahead of the April 20, 2026 deadline requiring businesses to register their business accounts with tax authorities, many household businesses are facing increasing pressure to separate cash flows and digitize their operations. In response, SeABank has introduced an all-in-one solution package, ranging from business accounts, SeAPayment solutions to credit offerings, thereby enabling micro-businesses to streamline processes, enhance data transparency, and stay compliant with the new regulations.
Removing financial bottlenecks ahead of the crucial moment
Under Decree 68/2026/ND-CP and Circular 18/2026/TT-BTC, the requirement to notify business accounts is not merely an administrative procedure, but also marks a transition from the lump-sum tax mechanism to a system of self-declaration and self-payment based on actual revenue.
This means that every transaction must be recorded transparently and be available for reconciliation when needed. However, in practice, many household businesses still use a single account for both personal expenses and business activities, making it difficult to control cash flow and creating potential risks of inaccuracies in tax declaration.
In this context, having a dedicated business account, combined with SeABank’s advanced payment management and in-depth revenue reporting solutions, is considered as a crucial starting point. This solution not only helps household business owners fully separate personal and business cash flows, but also automates revenue recording, thereby ensuring complete and accurate compliance with account notification requirements set by regulatory authorities.
SeAPayment – 24/7 digital assistant for managing multi-point-of-sale payments
Beyond providing business accounts, SeABank has developed the SeAPayment payment management system as the “core” of its solution package, enabling household businesses to shift from manual record-keeping to comprehensive 24/7 digital management. This tool allows merchants to generate flexible QR codes for each sales point or individual order, with pre-set payment amounts and transaction details. Customers simply scan and confirm the payment, enhancing the payment experience while minimizing errors.
A standout feature of SeAPayment is its instant audio transaction notification. Instead of pausing activities to check their phones or worrying about the risk of fake transfer confirmation screenshots, business owners could receive real-time payment alerts through a speaker, with voice notifications personalized to Northern, Central, and Southern regional accents. This support allows shop owners to stay hands-free and focus on serving customers, while also providing absolute peace of mind during peak business hours.
More than that, chain management challenges are also effectively addressed through multi-point-of-sale management and role-based employee access control within a single application. Wherever they are, business owners can monitor transaction activity and real-time revenue reports for each store or staff member across both mobile devices and computers. Thanks to a precisely recorded data ecosystem, consolidating reports for tax declaration becomes significantly easier, more streamlined, and more professional than ever before.
To encourage household businesses to proactively standardize accounts ahead of deadline, SeABank is launching an attractive series of exclusive benefits. The Bank offers a premium selection of premium lucky account numbers worth up to VND 3 million for individual business owners, or a completely free 10-digit account for household businesses. From now until April 30, 2026, customers who open a new account and maintain a minimum balance of VND 100,000 in the first month will receive a meaningful appreciation gift from SeABank.
In addition, customers also have the opportunity to receive a 100% refund on the account balance notification speaker fee when maintaining a balance of VND 15 million and generating at least 100 transactions within 3 months from the service fee charging date. Alongside this, customers are granted a lifetime waiver of SeAPayment service fees, helping significantly reduce long-term operating costs.
Notably, the program “Monthly Accumulation – Cashback Rewards” offers cumulative benefits of up to VND 1 million for individual and household businesses with strong cash flow. When customers meet the conditions of ≥ 30 transactions per month and maintain revenue, average balance, and end-of-month balance of ≥ VND 30 million, they will receive: VND 200,000 cashback for 1 qualifying month; VND 500,000 cashback for 2 consecutive qualifying months; VND 1,000,000 cashback for 3 consecutive qualifying months. To address capital needs, SeABank also offers unsecured loan packages of up to VND 300 million without collateral, or secured loan packages with preferential interest rates starting from just 8.8% per year, coming with ultra-fast approval within 8 working hours.
With its all-in-one solution package, SeABank delivers a fully integrated ecosystem where accounts, payments, management, and financing are seamlessly connected. In the near future, the Bank will continue enhancing this solution with breakthrough features such as direct e-invoice integration, tax declaration support via digital platform, and end-to-end synchronization of sales, financial, and tax data to help household businesses confidently accelerate growth in the digital economy era.
To standardize their accounts and receive preferential offers, household businesses can register at SeABank branches and transaction offices nationwide, or contact the personal customer support hotline 1900 555 587 for direct consultation.
