Sacombank supports small businesses on their transformation journey

This transformation is not only a regulatory requirement but also a valuable opportunity to enhance operations, build greater credibility, and achieve more stable, long-term growth. On this journey, Sacombank is more than a financial service provider; it is a trusted partner, supporting small-scale businesses as they transition toward more professional and sustainable enterprise models.

Small businesses begin to adapt to new policies

Starting from 01/06/2025, household businesses with annual revenues of VND 1 billion or more are required to use electronic invoices directly connected to the tax authorities. From 01/01/2026, all household and individual businesses will no longer be allowed to use the flat-tax method and must comply with updated tax regulations.

These changes mark a significant step toward transparency and professionalism in business operations. However, they also raise concerns - especially among small traders and household businesses that have long been accustomed to traditional practices.

Understanding these challenges, Sacombank has introduced a range of practical support solutions to help customers transition smoothly, conveniently, and at minimal cost. The bank provides free access for up to 12 months to essential tools such as point-of-sale equipment, sales and accounting software, electronic invoicing systems, and digital signatures - helping customers get familiar with new technologies without the burden of upfront expenses.

Sacombank also actively promotes cashless payments among small businesses, retail stores, and market vendors. Through solutions such as payment accounts, debit and credit cards, and QR payment speakers, along with discounted POS/mPOS acceptance fees, these tools help modernize sales operations and significantly reduce operating costs.

In addition, Sacombank offers timely capital support through flexible loan products with preferential interest rates, simple procedures, and fast disbursement. For urgent capital needs, customers can access unsecured overdraft facilities to manage short-term cash flow. Notably, Sacombank also offers monthly cashback of up to VND 1 million - equivalent to approximately 1% of the average transaction value on payment accounts - helping reduce financial pressure and operating costs.

Household businesses ready to scale up

For household businesses ready to formalize and transition into enterprise models, Sacombank provides 12 months of free access to a suite of business services. These include payment accounts, corporate cards, internet banking, free intra- and inter-bank transfers, and online tax payments - laying a strong foundation for more professional and efficient operations.

In addition, eligible customers can enjoy foreign exchange trading discounts of up to 100 basis points, cashback of up to VND 3 million per business, and attractive gifts such as travel vouchers, business-class flight tickets, or premium travel bags based on corporate card usage conditions. These offers are valid until 31/12/2025.

To further support a smooth transition, Sacombank will continue subsidizing software fees for sales, accounting, electronic invoicing, and digital signatures - ensuring customers can operate efficiently from day one without incurring additional technology costs.

With a spirit of dedication and community support, Sacombank is more than just a financial provider. Its nationwide team is committed to guiding, engaging, and equipping small traders and household businesses with the knowledge and tools needed to confidently embrace change.

While new tax regulations may pose challenges, they also present opportunities - especially when individuals and household businesses are supported by the right partners, information, and resources. Sacombank is committed to long-term support, helping every business - big or small - move forward with clarity and confidence.

Interested customers are invited to visit any Sacombank branch nationwide, click HERE, or call the toll-free hotline 1800 5858 88 for personalized consultation and support.