From household businesses to enterprises, TPBank accompanies you through each stage of transformation.

Converting from a household business to a company under Decree 70 is not only a legal requirement but also an opportunity to improve management. With a comprehensive support roadmap, TPBank accompanies household businesses from legal procedures to loan capital, making the conversion a driving force for growth.

From legal to account – the first foundation of transparency

When starting the conversion, the legal procedures often confuse many household businesses. To overcome this, TPBank partners with reputable consulting firms to help customers prepare documents, register for taxes, and convert their business model in accordance with regulations.

Immediately following is the step of establishing financial infrastructure. TPBank allows opening a business account completely online with the TPBank Biz application. Household businesses can open an account 100% online in just a few minutes, verify via eKYC, and receive an account number immediately to transact 24/7 without needing to go to a branch. The registration process is streamlined, requiring only the business registration certificate and the citizen identification card of the legal representative. The integration of facial recognition technology and automatic form filling saves time, providing business owners with a transparent, quick, and flexible start in financial management. Business owners can choose a lucky number associated with their birth date, phone number, or business license, facilitating cash flow management and creating a more professional image in the eyes of partners.

In particular, TPBank also offers free account maintenance and free domestic money transfer transactions on TPBankBiz.

Notably, prior to Decree 232/2025/ND-CP on the management of gold trading activities, TPBank quickly launched the Kim Hoang Phat Tai Combo account specifically for business owners and enterprises operating in the gold, silver, and jewelry sector. This account package comes with many outstanding benefits such as: Free account opening and maintenance, free transfers on TPBank Biz, free cash deposits at the counter, a gift of lucky feng shui account numbers like 9999, 8686…, and a gift of a universal QR code for cross-border transactions.

TPBank accompanies businesses from legal aspects to loan capital.

Digitalization of operations from electronic invoices to comprehensive management

Decree 70 not only mandates electronic invoices but also encourages businesses to move towards comprehensive digitalization in management. Responding to this trend, TPBank provides a complete solution package from invoice issuance, QR code payments, POS, SoftPOS to the "Ting Ting Speaker" device – a tool for instant transaction notifications.

When the entire process of revenue collection, expenditure, invoicing, and tax payment is automated, business households not only comply with regulations but also save up to 30% on operating costs, while building a transparent credit profile to access bank capital.

Accompanying this journey, TPBank Biz becomes the "digital operations center" for business households: from opening accounts, completing KYC, electronic tax payment to payment and cash flow management, all are conveniently integrated on a single platform – truly embodying the spirit of "one touch, one platform, all transactions".

Beyond basic tasks, TPBank Biz also integrates many supplementary utilities such as online statement and inquiry, balance change notifications for store employees, and a versatile QR code to serve international tourists as well.

To support small businesses in reducing costs during the digital transformation phase, TPBank is collaborating with Bluecom to launch a special promotion: a 90% discount on sales management software, electronic invoices, and VietQR digital signatures. Instead of 3.11 million VND, businesses only need 300,000 VND for a full year of service – including revenue management, unlimited electronic invoice issuance, and secure digital signatures.

Based on transparent transaction data, TPBank is implementing a series of "tailored" credit packages for small businesses.

Flexible access to loans unlocks growth.

Based on transparent transaction data, TPBank is implementing a series of "tailored" credit packages for small businesses. Customers can apply for quick unsecured loans via the mobile application, with disbursement within minutes, or access suitable loan packages. In addition, the business card supports expense management, transaction discounts, and creates more flexible tools for financial operations.

In particular, TPBank applies an appraisal mechanism based on actual cash flow instead of solely on collateral. This opens up opportunities for many small businesses that previously had difficulty accessing bank loans. Simultaneously, a 3-year payroll processing fee waiver helps business owners optimize costs and improve human resource management standards.

An alliance of international solutions and reputation guarantees sustainability.

To accelerate the transformation of small businesses, TPBank has strategically partnered with MobiFone, forming a "digital alliance" connecting telecommunications, finance, and technology. This allows customers to access a complete solution package: from telecommunications infrastructure and payment tools to electronic invoices, creating a synchronized foundation for cashless payments and sustainable digital transformation.

Last September, TPBank was honored by the Asian Development Bank (ADB) as "Leading Partner Bank in Vietnam" and "Leading Trade Finance Bank for SMEs" for the fourth consecutive year (2022-2025).

The transition from household business to enterprise is no longer a sudden leap. Instead of taking risks, it's a systematic approach: standardizing legal procedures, establishing accounts, digitizing points of sale, thereby unlocking working capital. With this approach, TPBank doesn't sell individual products but accompanies customers throughout each stage, helping them reduce costs, shorten time, and turn compliance requirements into a competitive advantage.