NCB Launches Solution Suite to Help SMEs Optimize Operations and Proactively Manage Cash Flow

Accompanying small and medium-sized enterprises (SMEs), the National Citizen Commercial Joint Stock Bank (NCB) has launched a comprehensive non-credit financial solution package tailored flexibly to different business models and industries, helping enterprises simplify financial operations, improve efficiency and proactively manage cash flow.

No Transaction Fees, Streamlined Operations

One of the recurring issues faced by SMEs is transaction costs and the time required to process financial operations. Through the NCB ZeroBiz solution package, NCB helps enterprises address this challenge in the most optimal way by waiving fees for most financial transactions conducted on the IziBankbiz digital banking platform (including the IziMobiz mobile application and Internet Banking via web browser).

NCB ZeroBiz helps SMEs reduce costs and streamline operations.

Businesses can transfer funds within and outside the system, manage accounts and conduct high-value transactions with limits of up to VND 50 billion per day without incurring fees. Beyond cost savings, fast and uninterrupted transaction processing helps enterprises maintain stable operations, especially during peak periods.

On the IziBankbiz digital banking platform, all corporate financial activities are fully digitized through an intuitive interface and simple operations. From fund transfers, payroll and supplier payments to deposit management, all can be conducted on a single integrated platform. Repetitive tasks such as salary payments or recurring transactions can also be automated, significantly reducing manual workload for accounting departments. In addition, the deposit management feature enables businesses to open, settle or partially withdraw deposit contracts directly on the application. In particular, enterprises registering for the ZeroBiz package will receive an additional 1.5% interest rate when opening new deposit contracts, contributing to optimizing the efficiency of idle cash flow utilization.

Notably, businesses can now conduct online guarantee transactions directly on IziBankbiz, with the entire process fully digitized and seamlessly integrated: from submitting issuance requests anytime, tracking processing status in real time to receiving scanned copies of guarantee letters immediately after issuance, significantly shortening processing time and enhancing the ability to capture business opportunities.

No Transfer Fees, No Payroll Fees, Tailored Solutions for Each Business Model

Acting as a “financial assistant” for enterprises, NCB has researched and developed solutions aligned with the operational realities of SMEs across different industries.

NCB provides practical support for enterprises through integrated and attractive financial solutions.

For import-export businesses, NCB addresses international payment fee pressures through the NCB GlobalTrade package by waiving all international transfer fees, including cable fees and OUR charges. This policy significantly reduces cross-border transaction costs, particularly for enterprises with high payment frequency. At the same time, businesses can become more proactive in payment planning and cash flow management while minimizing the impact of exchange rate fluctuations. Transaction procedures are also simplified to shorten processing time.

For construction enterprises, characterized by large cash flows, high payment frequency and demands for rapid transaction processing, NCB has specially designed the NCB BuildFlow package focusing on speed and flexibility. Transfer limits are increased to up to VND 100 billion per day, combined with an unlimited payroll fee waiver policy, enabling enterprises to ensure payment schedules, maintain construction progress and minimize operational disruptions. Businesses are also offered premium 8-digit account numbers, creating a distinctive identity in transactions and enhancing convenience during usage.

The NCB BuildFlow package is exclusively “tailor-made” for construction enterprises.

Comprehensive Fee Waivers, Supporting the Development of the Tourism Industry

Supporting the development of the tourism industry, NCB has introduced integrated financial solutions and fee waiver policies covering all account services, from payment account management to deposits, cash transactions and fund transfers, exclusively for businesses operating in tourism, entertainment, hospitality and construction contractors within strategic partner ecosystems. The Bank also provides unsecured overdraft limits of up to VND 3 billion for this group of enterprises, helping businesses proactively access immediate capital for short-term needs. Combined with flexible daily deposit features, enterprises gain additional tools to allocate and utilize cash flow more effectively.

By developing an integrated and attractive financial solution suite, NCB is demonstrating its practical role as a trusted partner accompanying SMEs on their journey toward strong growth in the new era. The Bank stated that it will continue enhancing its product ecosystem in the coming time, strengthening technology integration and expanding partnerships to improve competitiveness and create greater value for the business community, aiming toward breakthrough and sustainable growth.

For further detailed information, customers may visit NCB’s website at NCB, contact NCB transaction offices/branches nationwide or Hotline: (028) 38 216 216 - 1800 6166.