SeABank launches a comprehensive solution package to digitize cash flow for small businesses

SeABank launches a comprehensive solution package to digitize cash flow for small businesses. With the regulation requiring business account notifications to the tax authorities by April 20, 2026, many small businesses face pressure to separate personal and business funds and digitize operations. In response to this need, SeABank has launched an integrated package that combines an account, the SeAPayment payments solution, and credit, helping shop owners simplify processes, ensure data transparency, and be ready to comply with the new rule. Removing the bottleneck in finance before the deadline Under Decree 68/2026/ND-CP and Circular 18/2026/TT-BTC, notifying business accounts is not only an administrative procedure but also a step in transitioning from the fixed tax regime to self-declaration and self-payment based on actual revenue. This means every transaction must be recorded transparently and be reconcilable when needed. However, in practice many small businesses still use a single account for both personal and business expenses, making cash flow control difficult and increasing the risk of misstatement when filing taxes. In this context, owning a separate business account combined with SeABank’s payment management and revenue reporting solutions is seen as a crucial starting point. This solution not only helps the owner fully separate personal and business funds but also automates revenue recognition, ensuring the requirements for notifying accounts to the authorities are met accurately and efficiently. SeAPayment — a digital assistant for multi-point-of-sale payments 24/7 Beyond providing an account, SeABank has developed the SeAPayment payment management system as the core of the package, helping small businesses shift from manual record-keeping to comprehensive digital management around the clock. This tool helps shop owners generate flexible QR codes for each point of sale or order, preset the amount and payment content. Customers only need to scan and confirm, enhancing the payment experience and minimizing errors. A notable feature of SeAPayment is real-time audio transaction notifications. Instead of stopping to check a phone or worrying about counterfeit transfer confirmations, store owners will receive a money-in alert via a voice message personalized to the North-Central-South region. This support helps owners serve customers hands-free and provides absolute assurance during peak hours. Moreover, the chain-management problem is addressed through multi-point-of-sale management and staff permissions on a single app. Wherever they are, owners can monitor transaction movements and report real-time revenue for each store or employee on both mobile and desktop. With a precisely recorded data ecosystem, compiling reports for tax declarations becomes easier and more professional. Promotions to boost small businesses To encourage small businesses to standardize their accounts before the deadline, SeABank is rolling out attractive privileges. The bank offers a sign-up bonus of up to 3 million VND for individual business owners or free 10-digit accounts for micro businesses. From now until April 30, 2026, opening a new account and maintaining a minimum balance of 100,000 VND in the first month will earn a meaningful welcome gift from SeABank. Additionally, customers can receive a 100% refund of the balance-alert notification fee when maintaining a balance of at least 15 million VND and generating at least 100 transactions within three months from the service fee date. They also receive lifetime fee waivers for using SeAPayment, significantly reducing long-term operating costs. Significantly, the “Golden Month accumulation - Cashback in millions” program offers cumulative rewards up to 1 million VND for individuals and small businesses with robust cash flow. When meeting conditions of at least 30 transactions per month, revenue, average balance, and end-of-month balance of at least 30 million VND, customers will receive: 200,000 VND after 1 golden month, 500,000 VND after 2 consecutive golden months, and 1,000,000 VND after 3 consecutive golden months. To address funding needs, SeABank also offers unsecured loan packages up to 300 million VND, with no collateral required or secured loans at preferential rates starting from 8.8% per year, with guaranteed ultra-fast approvals within 8 working hours. With the “Comprehensive Solution Package for Small Businesses,” SeABank provides a connected ecosystem where accounts, payments, management, and capital are tightly integrated. In the future, the bank will continue upgrading this package with breakthrough features such as direct electronic invoicing integration, on-platform tax declaration support, and fully synchronized sales-finance-tax data to help small businesses thrive in the digital economy. To implement account standardization and receive incentives, micro businesses can register at SeABank branches nationwide or call the personal customer support line 1900.555.587 for direct consultation.