Eximbank launches international payment solution for large exporters and FDI enterprises

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Eximbank, the Vietnam Export-Import Joint Stock Commercial Bank, has launched the “CIB Trade Return 2026” program to support import-export firms, offering incentives aimed at reducing international payment and trade finance costs.

International payment costs can directly affect a company’s operating efficiency. In import-export activities, international payments are tied to multiple core operations, including issuing and settlement of letters of credit (L/C), collections, international fund transfers, and documentary processing. Each step typically carries its own fees, which vary depending on transaction value and frequency.

For exporters with large volumes or frequent payments, these costs are not limited to individual transaction charges; over time they become a significant operating component, particularly for large enterprises and foreign direct investment (FDI) firms. On the export side, the time required to collect payments depends largely on the payment method and documentary processing, while additional costs or longer processing can affect working capital turnover and cash flow management. Importers, meanwhile, need to ensure timely payments to overseas partners while controlling costs to optimize cost of goods.

Program focus: cost optimization in international payments and trade finance

Eximbank said the CIB Trade Return 2026 program is designed around actual business needs, with a focus on cost optimization for international payment and trade finance transactions that occur frequently.

Incentives for exporters

For exporters, the program provides waivers on cash-in receipts, document handling, and L/C notification fees. It also reduces up to 70% of L/C and remittance fees, with Eximbank stating that optimizing costs at these transaction stages can help improve working capital turnover, enhance cash flow efficiency, and strengthen companies’ proactive capacity in international trade.

Incentives for importers

For importers, Eximbank will waive international money transfer fees and bill-of-lading endorsements, and reduce up to 70% of L/C issuance fees, L/C settlement fees, and remittance fees. The incentive structure is intended to help businesses control import costs, optimize financial planning, and improve operating efficiency.

Coverage, eligibility, and timeline

The CIB Trade Return 2026 program runs throughout 2026, from January 1, 2026 to December 31, 2026. It applies to large corporate customers with revenues of 1,000 billion VND or more and FDI enterprises, including:

New customers or customers that have not conducted international payment transactions with Eximbank in the last six months; and
Existing customers that are currently transacting with the bank.

Industry context and expected impact

Eximbank noted that in an environment where import-export businesses need cost control to maintain profit margins, cost-optimized transaction and cash flow solutions are increasingly important for sustaining operating performance and competitiveness—especially for high-volume trading groups with frequent payment needs.