What Is a Salary Statement? A Detailed Guide to Procedures, Costs, and Key Notes
25/09/2026
What is a salary statement, what is it used for, and what do you need to obtain a valid one? See the step-by-step process, cost guide, and important notes.
Do you need to prove your income to apply for a loan, get a credit card, or apply for a visa, but aren't sure what a salary statement is or how to request one correctly? This article will help you understand the concept, the information a valid statement must include, the process for obtaining one, reference costs, and important notes to help you avoid unnecessary trips back and forth.
Note: The figures and information in this article are compiled from general market sources and do not apply specifically to SeABank's products.
1. What Is a Bank Salary Statement and What Is It Used For?
1.1. Definition of a Salary Statement
A salary statement is a detailed record of the transactions on your salary-receiving account over a specific period, typically monthly, quarterly, or yearly. The statement shows the salary amounts credited to the account, any deductions (if applicable), and the opening and closing balances. This document is issued by the bank at the request of the account holder - it is not automatically provided.
1.2. Common Uses
A salary statement is commonly used in the following cases:
Proof of income: Used when preparing loan applications (mortgage or unsecured loans) or applying for a credit card
Visa applications: Used to demonstrate financial standing when traveling, working, studying, or settling abroad
Administrative procedures: Used as a basis for real estate purchase/sale transactions, property rentals, or resolving civil disputes
Personal finance management: Used to track and manage monthly cash flow and spending effectively
A salary statement helps prove income when applying for a loan, a credit card, or a visa.
2. Mandatory Information on a Valid Salary Statement
2.1. Personal and Account Information
A complete salary statement typically includes the following:
Full name and ID/citizen ID number of the account holder
Bank account number
Name of the issuing bank and branch
Statement period (from... to...)
2.2. Transaction Details and Legal Validity
In addition to personal information, the statement must show:
Details of each transaction: transaction date, description, and credit/debit amount
Opening and closing balances
The bank's round seal at the bottom of the statement and the signature of the teller
A cross-page seal in the corner of each page if the statement is two pages or longer
These are the elements that determine the legal validity of a statement when it is submitted as part of a loan, card, or other administrative application. Statements printed from internet banking or withdrawn at an ATM typically lack an official seal, so they are only suitable for personal transaction tracking - they cannot replace a bank-certified statement in applications that require legal validity.
A valid salary statement must carry the bank's seal and an authorized signature.
3. Step-by-Step Guide to Obtaining a Salary Statement
Note:
Statement formats: The list of statement formats below may vary depending on the services offered by each bank.
Process: This guide is for general reference only. Since each bank has its own app interface and internal procedures, please contact your bank directly for the most accurate, detailed instructions.
3.1. Requesting a Statement In Person at a Branch
Identify which bank your salary-receiving account is held at.
Bring a valid ID/citizen ID card to any branch or transaction office of that bank.
Ask a bank staff member to help print your account statement, and fill out a request form if required.
Choose the time period you need a statement for (usually the most recent 3–6 months, depending on your needs).
Carefully check the information, seal, and signature before leaving the counter.
3.2. Requesting a Statement via a Digital Banking App
Log in to the bank's digital banking app (for SeABank individual customers, this is the SeAMobile app).
Select the account statement/transaction history section.
Choose the time period you want to look up and download the statement file.
Note: This method is fast and convenient, but the downloaded statement usually does not carry an official seal, so it cannot replace a bank-certified statement in applications requiring legal validity.
3.3. Printing a Statement at an ATM
Go to an ATM within the network of the bank where you receive your salary.
Insert your ATM card and select the statement/transaction history function.
Receive the printed receipt (this usually shows only a limited number of recent transactions, not as complete as a branch-printed statement).
Customers can choose to get a statement at a branch counter, through a digital banking app, or at an ATM, depending on their purpose.
4. Costs of Obtaining a Salary Statement at Banks
Salary statement fees typically range from VND 2,000 to VND 50,000 per A4 page(*), along with a minimum fee per service request. At SeABank, the bank-certified account statement service currently carries a fee of VND 22,000 for the first month and VND 11,000 per month for each subsequent statement.
The actual cost will vary depending on each bank's individual policy at a given time, the number of pages printed, and the language shown on the document (Vietnamese or English/bilingual).
(*) Fee figures updated as of July 7, 2026, and may change depending on the time period and each bank's policy. You should check with your bank directly for the most accurate, up-to-date information.
5. Notes When Getting a Salary Statement
Before submitting your statement as part of a loan, credit card, or visa application, you should carefully check:
Check the legal validity of the statement
Whether it carries the bank's round seal at the bottom of the statement
Whether it has a complete cross-page seal on every page (if the statement has two pages or more)
Whether the personal information and account number match the rest of your application
Only the account holder has the right to request a statement; if authorizing someone else to do so on your behalf, a valid power of attorney is required in accordance with the bank's procedures.
If you receive your salary in cash, the bank will have no data to generate a statement; in this case, you can use an income confirmation letter from your employer or your labor contract instead.
It's advisable to prepare your statement well ahead of your application deadline to avoid last-minute issues requiring supplementation or correction.
6. Frequently Asked Questions (FAQ)
1. How long does it take to get a salary statement? For an in-person request at a branch, it usually takes only 15–20 minutes, depending on the number of transactions to be printed. Statements requested via a digital banking app or at an ATM are typically available immediately.
2. Can someone else request a salary statement on my behalf? Yes, but the authorized person must have a valid power of attorney and comply with the documentation requirements set by the specific bank.
3. Can an online salary statement be used to submit a loan application? Statements downloaded from a digital banking app usually do not carry an official seal, so they are mostly suitable only for personal transaction tracking. If your application requires legal validity, you should request a sealed statement at a branch.
4. How many months of statements are usually required? Depending on the requirements of the financial institution or the purpose (loan, card application, visa, etc.), the commonly requested period is the most recent 3–6 months. You should check with the receiving organization to prepare the correct time period.
A salary statement is not only a tool for proving income in loan, credit card, or visa applications, but it also helps you track and manage your personal cash flow more effectively each month. Preparing it fully, following the correct process, and carefully checking its legal validity will help your application be processed more quickly and smoothly.
Southeast Asia Commercial Joint Stock Bank (SeABank)
