{"id":14557,"date":"2026-03-12T02:36:00","date_gmt":"2026-03-12T02:36:00","guid":{"rendered":"https:\/\/mva.vn\/?p=14557"},"modified":"2026-03-12T02:36:00","modified_gmt":"2026-03-12T02:36:00","slug":"chi-phi-mo-va-duy-tri-tai-khoan-cong-ty-la-bao-nhieu","status":"publish","type":"post","link":"https:\/\/mva.vn\/en\/chi-phi-mo-va-duy-tri-tai-khoan-cong-ty-la-bao-nhieu\/","title":{"rendered":"Chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty l\u00e0 bao nhi\u00eau?"},"content":{"rendered":"

Sorry, this entry is only available in Ti\u1ebfng Vi\u1ec7t<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

Trong qu\u00e1 tr\u00ecnh th\u00e0nh l\u1eadp v\u00e0 v\u1eadn h\u00e0nh doanh nghi\u1ec7p, vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho c\u00f4ng ty l\u00e0 b\u01b0\u1edbc g\u1ea7n nh\u01b0 b\u1eaft bu\u1ed9c \u0111\u1ec3 ph\u1ee5c v\u1ee5 giao d\u1ecbch t\u00e0i ch\u00ednh, thanh to\u00e1n v\u1edbi \u0111\u1ed1i t\u00e1c v\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thu\u1ebf. Tuy nhi\u00ean, nhi\u1ec1u doanh nghi\u1ec7p m\u1edbi th\u00e0nh l\u1eadp th\u01b0\u1eddng b\u0103n kho\u0103n <\/span>chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty l\u00e0 bao nhi\u00eau<\/b>, c\u00f3 ph\u00e1t sinh nhi\u1ec1u ph\u00ed hay kh\u00f4ng v\u00e0 c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng kho\u1ea3n chi n\u00e0o khi s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p.<\/span><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 ch\u00ednh s\u00e1ch ph\u00ed kh\u00e1c nhau, nh\u01b0ng nh\u00ecn chung chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay kh\u00e1 h\u1ee3p l\u00fd v\u00e0 minh b\u1ea1ch. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap doanh nghi\u1ec7p hi\u1ec3u r\u00f5 c\u00e1c lo\u1ea1i ph\u00ed ph\u1ed5 bi\u1ebfn khi m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho c\u00f4ng ty, m\u1ee9c chi ph\u00ed tham kh\u1ea3o v\u00e0 nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng khi l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng.<\/span><\/p>\n

I. T\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f4ng ty l\u00e0 g\u00ec?<\/b><\/h2>\n

T\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f4ng ty l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n \u0111\u01b0\u1ee3c m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng d\u01b0\u1edbi t\u00ean ph\u00e1p nh\u00e2n c\u1ee7a doanh nghi\u1ec7p. T\u00e0i kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p nh\u01b0:<\/span><\/p>\n

    \n
  • Nh\u1eadn ti\u1ec1n thanh to\u00e1n t\u1eeb kh\u00e1ch h\u00e0ng<\/span><\/li>\n
  • Chuy\u1ec3n ti\u1ec1n cho nh\u00e0 cung c\u1ea5p<\/span><\/li>\n
  • N\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed<\/span><\/li>\n
  • Tr\u1ea3 l\u01b0\u01a1ng nh\u00e2n vi\u00ean<\/span><\/li>\n
  • Thanh to\u00e1n c\u00e1c chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/span><\/li>\n<\/ul>\n

    \"\"<\/p>\n

    Sau khi \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp theo <\/span>Lu\u1eadt Doanh nghi\u1ec7p 2020<\/b>, doanh nghi\u1ec7p c\u00f3 quy\u1ec1n m\u1edf t\u00e0i kho\u1ea3n t\u1ea1i b\u1ea5t k\u1ef3 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00e0o \u0111\u1ec3 ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/span><\/p>\n

    Hi\u1ec7n nay, h\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ngay sau khi \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p kinh doanh \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho giao d\u1ecbch v\u00e0 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n.<\/span><\/p>\n

    II. C\u00e1c lo\u1ea1i chi ph\u00ed khi m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f4ng ty<\/b><\/h2>\n

    Khi m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho doanh nghi\u1ec7p, th\u01b0\u1eddng s\u1ebd ph\u00e1t sinh m\u1ed9t s\u1ed1 lo\u1ea1i chi ph\u00ed c\u01a1 b\u1ea3n sau.<\/span><\/p>\n

    2.1. Ph\u00ed m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng<\/b><\/h3>\n

    Ph\u00ed m\u1edf t\u00e0i kho\u1ea3n l\u00e0 kho\u1ea3n ph\u00ed ng\u00e2n h\u00e0ng thu khi doanh nghi\u1ec7p \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n.<\/span><\/p>\n

    Hi\u1ec7n nay, nhi\u1ec1u ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam <\/span>mi\u1ec5n ph\u00ed m\u1edf t\u00e0i kho\u1ea3n<\/b> nh\u1eb1m thu h\u00fat kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u1eabn thu ph\u00ed dao \u0111\u1ed9ng kho\u1ea3ng:<\/span><\/p>\n

      \n
    • 50.000 \u2013 200.000 \u0111\u1ed3ng\/t\u00e0i kho\u1ea3n<\/span><\/li>\n<\/ul>\n

      Kho\u1ea3n ph\u00ed n\u00e0y ch\u1ec9 ph\u00e1t sinh <\/span>m\u1ed9t l\u1ea7n duy nh\u1ea5t<\/b> khi doanh nghi\u1ec7p m\u1edf t\u00e0i kho\u1ea3n.<\/span><\/p>\n

      2.2. Ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n h\u00e0ng th\u00e1ng<\/b><\/h3>\n

      Ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n (hay c\u00f2n g\u1ecdi l\u00e0 ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n) l\u00e0 kho\u1ea3n ph\u00ed ng\u00e2n h\u00e0ng thu \u0111\u1ec3 duy tr\u00ec h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n doanh nghi\u1ec7p.<\/span><\/p>\n

      M\u1ee9c ph\u00ed ph\u1ed5 bi\u1ebfn hi\u1ec7n nay kho\u1ea3ng:<\/span><\/p>\n

        \n
      • 20.000 \u2013 100.000 \u0111\u1ed3ng\/th\u00e1ng<\/span><\/li>\n<\/ul>\n

        M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng s\u1ebd <\/span>mi\u1ec5n ph\u00ed n\u1ebfu s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u trong t\u00e0i kho\u1ea3n \u0111\u1ea1t m\u1ee9c quy \u0111\u1ecbnh<\/b>.<\/span><\/p>\n

        V\u00ed d\u1ee5:<\/span><\/p>\n

          \n
        • Duy tr\u00ec s\u1ed1 d\u01b0 1 \u2013 5 tri\u1ec7u \u0111\u1ed3ng<\/span><\/li>\n
        • Ho\u1eb7c c\u00f3 giao d\u1ecbch ph\u00e1t sinh trong th\u00e1ng<\/span><\/li>\n<\/ul>\n

          2.3. Ph\u00ed Internet Banking doanh nghi\u1ec7p<\/b><\/h3>\n

          Internet Banking gi\u00fap doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch tr\u1ef1c tuy\u1ebfn nh\u01b0:<\/span><\/p>\n

            \n
          • Chuy\u1ec3n kho\u1ea3n<\/span><\/li>\n
          • Thanh to\u00e1n h\u00f3a \u0111\u01a1n<\/span><\/li>\n
          • N\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed<\/span><\/li>\n
          • Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n<\/span><\/li>\n<\/ul>\n

            Ph\u00ed s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y th\u01b0\u1eddng kho\u1ea3ng:<\/span><\/p>\n

              \n
            • 50.000 \u2013 150.000 \u0111\u1ed3ng\/th\u00e1ng<\/span><\/li>\n<\/ul>\n

              M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng mi\u1ec5n ph\u00ed trong th\u1eddi gian \u0111\u1ea7u khi doanh nghi\u1ec7p m\u1edbi m\u1edf t\u00e0i kho\u1ea3n.<\/span><\/p>\n

              2.4. Ph\u00ed chuy\u1ec3n ti\u1ec1n<\/b><\/h3>\n

              Ph\u00ed chuy\u1ec3n ti\u1ec1n l\u00e0 kho\u1ea3n ph\u00ed ph\u1ed5 bi\u1ebfn nh\u1ea5t khi doanh nghi\u1ec7p s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/span><\/p>\n

              C\u00f3 hai lo\u1ea1i ph\u00ed ch\u00ednh:<\/span><\/p>\n

              Chuy\u1ec3n ti\u1ec1n c\u00f9ng ng\u00e2n h\u00e0ng<\/b><\/p>\n

                \n
              • Th\u01b0\u1eddng mi\u1ec5n ph\u00ed ho\u1eb7c r\u1ea5t th\u1ea5p<\/span><\/li>\n<\/ul>\n

                Chuy\u1ec3n ti\u1ec1n kh\u00e1c ng\u00e2n h\u00e0ng<\/b><\/p>\n

                  \n
                • Kho\u1ea3ng 7.000 \u2013 20.000 \u0111\u1ed3ng\/giao d\u1ecbch<\/span><\/li>\n
                • Ho\u1eb7c t\u00ednh theo t\u1ef7 l\u1ec7 % gi\u00e1 tr\u1ecb giao d\u1ecbch<\/span><\/li>\n<\/ul>\n

                  Nhi\u1ec1u ng\u00e2n h\u00e0ng hi\u1ec7n nay cung c\u1ea5p <\/span>g\u00f3i chuy\u1ec3n kho\u1ea3n mi\u1ec5n ph\u00ed tr\u1ecdn g\u00f3i<\/b> cho doanh nghi\u1ec7p.<\/span><\/p>\n

                  2.5. Ph\u00ed SMS Banking<\/b><\/h3>\n

                  SMS Banking gi\u00fap doanh nghi\u1ec7p nh\u1eadn th\u00f4ng b\u00e1o bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 qua tin nh\u1eafn.<\/span><\/p>\n

                  M\u1ee9c ph\u00ed ph\u1ed5 bi\u1ebfn:<\/span><\/p>\n

                    \n
                  • 20.000 \u2013 50.000 \u0111\u1ed3ng\/th\u00e1ng<\/span><\/li>\n<\/ul>\n

                    Tuy nhi\u00ean nhi\u1ec1u doanh nghi\u1ec7p hi\u1ec7n nay chuy\u1ec3n sang s\u1eed d\u1ee5ng <\/span>th\u00f4ng b\u00e1o qua \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng<\/b> \u0111\u1ec3 ti\u1ebft ki\u1ec7m chi ph\u00ed.<\/span><\/p>\n

                    2.6. Ph\u00ed ph\u00e1t h\u00e0nh token ho\u1eb7c ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed ng\u00e2n h\u00e0ng<\/b><\/h3>\n

                    Khi s\u1eed d\u1ee5ng Internet Banking doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng th\u01b0\u1eddng cung c\u1ea5p thi\u1ebft b\u1ecb b\u1ea3o m\u1eadt nh\u01b0:<\/span><\/p>\n

                      \n
                    • Token key<\/span><\/li>\n
                    • Smart OTP<\/span><\/li>\n<\/ul>\n

                      Chi ph\u00ed th\u01b0\u1eddng kho\u1ea3ng:<\/span><\/p>\n

                        \n
                      • 300.000 \u2013 1.000.000 \u0111\u1ed3ng (m\u1ed9t l\u1ea7n)<\/span><\/li>\n<\/ul>\n

                        Thi\u1ebft b\u1ecb n\u00e0y gi\u00fap x\u00e1c th\u1ef1c giao d\u1ecbch v\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i kho\u1ea3n.<\/span><\/p>\n

                        III. T\u1ed5ng chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty m\u1ed7i n\u0103m<\/b><\/h2>\n

                        N\u1ebfu t\u00ednh trung b\u00ecnh, chi ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p th\u01b0\u1eddng kh\u00f4ng qu\u00e1 cao.<\/span><\/p>\n

                        V\u00ed d\u1ee5 chi ph\u00ed tham kh\u1ea3o:<\/span><\/p>\n\n\n\n\n\n\n\n
                        \n

                        Lo\u1ea1i ph\u00ed<\/b><\/p>\n<\/td>\n

                        		\n

                        M\u1ee9c ph\u00ed<\/b><\/p>\n<\/td>\n<\/tr>\n

                        \n

                        Ph\u00ed m\u1edf t\u00e0i kho\u1ea3n<\/span><\/p>\n<\/td>\n

                        		\n

                        0 \u2013 200.000<\/span><\/p>\n<\/td>\n<\/tr>\n

                        \n

                        Ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n<\/span><\/p>\n<\/td>\n

                        		\n

                        300.000 \u2013 1.200.000\/n\u0103m<\/span><\/p>\n<\/td>\n<\/tr>\n

                        \n

                        Ph\u00ed Internet Banking<\/span><\/p>\n<\/td>\n

                        		\n

                        600.000 \u2013 1.800.000\/n\u0103m<\/span><\/p>\n<\/td>\n<\/tr>\n

                        \n

                        Ph\u00ed SMS Banking<\/span><\/p>\n<\/td>\n

                        		\n

                        240.000 \u2013 600.000\/n\u0103m<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                        T\u1ed5ng chi ph\u00ed \u01b0\u1edbc t\u00ednh:<\/span><\/p>\n

                        Kho\u1ea3ng 1 \u2013 3 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m<\/b><\/p>\n

                        M\u1ee9c chi ph\u00ed n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y ng\u00e2n h\u00e0ng v\u00e0 g\u00f3i d\u1ecbch v\u1ee5 m\u00e0 doanh nghi\u1ec7p l\u1ef1a ch\u1ecdn.<\/span><\/p>\n

                        IV. Doanh nghi\u1ec7p n\u00ean m\u1edf t\u00e0i kho\u1ea3n \u1edf ng\u00e2n h\u00e0ng n\u00e0o?<\/b><\/h2>\n

                        Hi\u1ec7n nay t\u1ea1i Vi\u1ec7t Nam c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n doanh nghi\u1ec7p. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c doanh nghi\u1ec7p l\u1ef1a ch\u1ecdn nhi\u1ec1u g\u1ed3m:<\/span><\/p>\n

                          \n
                        • Vietcombank<\/span><\/li>\n
                        • BIDV<\/span><\/li>\n
                        • VietinBank<\/span><\/li>\n
                        • Techcombank<\/span><\/li>\n
                        • MB Bank<\/span><\/li>\n<\/ul>\n

                          Khi l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p n\u00ean c\u00e2n nh\u1eafc c\u00e1c y\u1ebfu t\u1ed1 sau:<\/span><\/p>\n

                            \n
                          • Chi ph\u00ed d\u1ecbch v\u1ee5<\/span><\/li>\n
                          • H\u1ec7 th\u1ed1ng Internet Banking<\/span><\/li>\n
                          • M\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh<\/span><\/li>\n
                          • Ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/span>\n

                            <\/span><\/li>\n<\/ul>\n

                            M\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 h\u1ec7 th\u1ed1ng giao d\u1ecbch \u1ed5n \u0111\u1ecbnh s\u1ebd gi\u00fap doanh nghi\u1ec7p ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span><\/p>\n

                            V. L\u1ee3i \u00edch c\u1ee7a vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho c\u00f4ng ty<\/b><\/h2>\n

                            M\u1eb7c d\u00f9 ph\u00e1t sinh m\u1ed9t s\u1ed1 chi ph\u00ed, nh\u01b0ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng mang l\u1ea1i r\u1ea5t nhi\u1ec1u l\u1ee3i \u00edch cho doanh nghi\u1ec7p.<\/span><\/p>\n

                            5.1. Thu\u1eadn ti\u1ec7n trong thanh to\u00e1n<\/b><\/h3>\n

                            Doanh nghi\u1ec7p c\u00f3 th\u1ec3 thanh to\u00e1n cho \u0111\u1ed1i t\u00e1c v\u00e0 nh\u1eadn ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng.<\/span><\/p>\n

                            5.2. \u0110\u00e1p \u1ee9ng quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/b><\/h3>\n

                            Theo quy \u0111\u1ecbnh t\u1ea1i <\/span>Th\u00f4ng t\u01b0 219\/2013\/TT-BTC<\/b>, h\u00f3a \u0111\u01a1n t\u1eeb <\/span>20 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean<\/b> ph\u1ea3i thanh to\u00e1n qua ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf VAT.<\/span><\/p>\n

                            5.3. D\u1ec5 d\u00e0ng n\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed<\/b><\/h3>\n

                            Doanh nghi\u1ec7p c\u00f3 th\u1ec3 n\u1ed9p thu\u1ebf tr\u1ef1c tuy\u1ebfn th\u00f4ng qua h\u1ec7 th\u1ed1ng c\u1ee7a <\/span>T\u1ed5ng c\u1ee5c Thu\u1ebf Vi\u1ec7t Nam<\/b> m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u01a1 quan thu\u1ebf.<\/span><\/p>\n

                            5.4. Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n minh b\u1ea1ch<\/b><\/h3>\n

                            T\u1ea5t c\u1ea3 giao d\u1ecbch \u0111\u1ec1u \u0111\u01b0\u1ee3c ghi nh\u1eadn r\u00f5 r\u00e0ng, gi\u00fap k\u1ebf to\u00e1n d\u1ec5 d\u00e0ng:<\/span><\/p>\n

                              \n
                            • Theo d\u00f5i thu chi<\/span><\/li>\n
                            • L\u1eadp b\u00e1o c\u00e1o t\u00e0i ch\u00ednh<\/span><\/li>\n
                            • Ph\u1ee5c v\u1ee5 quy\u1ebft to\u00e1n thu\u1ebf<\/span><\/li>\n<\/ul>\n

                              VI. M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f4ng ty<\/b><\/h2>\n

                              \u0110\u1ec3 tr\u00e1nh ph\u00e1t sinh chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft, doanh nghi\u1ec7p n\u00ean l\u01b0u \u00fd m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 sau.<\/span><\/p>\n

                              6.1. So s\u00e1nh ph\u00ed gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng<\/b><\/h3>\n

                              M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 ch\u00ednh s\u00e1ch ph\u00ed kh\u00e1c nhau, v\u00ec v\u1eady n\u00ean tham kh\u1ea3o tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn.<\/span><\/p>\n

                              6.2. L\u1ef1a ch\u1ecdn g\u00f3i d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p<\/b><\/h3>\n

                              N\u1ebfu doanh nghi\u1ec7p c\u00f3 nhi\u1ec1u giao d\u1ecbch chuy\u1ec3n ti\u1ec1n, n\u00ean ch\u1ecdn g\u00f3i:<\/span><\/p>\n

                                \n
                              • Mi\u1ec5n ph\u00ed chuy\u1ec3n kho\u1ea3n<\/span><\/li>\n
                              • Internet Banking kh\u00f4ng gi\u1edbi h\u1ea1n giao d\u1ecbch<\/span><\/li>\n<\/ul>\n

                                6.3. Qu\u1ea3n l\u00fd s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u<\/b><\/h3>\n

                                M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u duy tr\u00ec s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u trong t\u00e0i kho\u1ea3n. N\u1ebfu s\u1ed1 d\u01b0 th\u1ea5p h\u01a1n m\u1ee9c quy \u0111\u1ecbnh, doanh nghi\u1ec7p c\u00f3 th\u1ec3 b\u1ecb t\u00ednh th\u00eam ph\u00ed.<\/span><\/p>\n

                                6.4. T\u00e1ch bi\u1ec7t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 c\u00f4ng ty<\/b><\/h3>\n

                                Kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 giao d\u1ecbch cho doanh nghi\u1ec7p v\u00ec:<\/span><\/p>\n

                                  \n
                                • Kh\u00f3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n<\/span><\/li>\n
                                • Kh\u00f4ng minh b\u1ea1ch k\u1ebf to\u00e1n<\/span><\/li>\n
                                • D\u1ec5 ph\u00e1t sinh r\u1ee7i ro ph\u00e1p l\u00fd<\/span><\/li>\n<\/ul>\n

                                  VII. K\u1ebft lu\u1eadn<\/b><\/h2>\n

                                  T\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng gi\u00fap c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch kinh doanh m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p.<\/span><\/p>\n

                                  Nh\u00ecn chung, <\/span>chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty kh\u00f4ng qu\u00e1 cao<\/b>, th\u01b0\u1eddng ch\u1ec9 dao \u0111\u1ed9ng kho\u1ea3ng <\/span>1 \u2013 3 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i n\u0103m<\/b> t\u00f9y ng\u00e2n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 s\u1eed d\u1ee5ng.<\/span><\/p>\n

                                  So v\u1edbi nh\u1eefng l\u1ee3i \u00edch m\u00e0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng mang l\u1ea1i nh\u01b0:<\/span><\/p>\n

                                    \n
                                  • Thanh to\u00e1n thu\u1eadn ti\u1ec7n<\/span><\/li>\n
                                  • Kh\u1ea5u tr\u1eeb thu\u1ebf VAT h\u1ee3p l\u1ec7<\/span><\/li>\n
                                  • N\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed<\/span><\/li>\n
                                  • Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n minh b\u1ea1ch<\/span><\/li>\n<\/ul>\n

                                    th\u00ec kho\u1ea3n chi ph\u00ed n\u00e0y l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p.<\/span><\/p>\n

                                    V\u00ec v\u1eady, ngay sau khi th\u00e0nh l\u1eadp c\u00f4ng ty, doanh nghi\u1ec7p n\u00ean m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng s\u1edbm \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh v\u00e0 thu\u1eadn l\u1ee3i cho qu\u00e1 tr\u00ecnh kinh doanh l\u00e2u d\u00e0i.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

                                    Sorry, this entry is only available in Ti\u1ebfng Vi\u1ec7t. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.Trong qu\u00e1 tr\u00ecnh th\u00e0nh l\u1eadp v\u00e0 v\u1eadn h\u00e0nh doanh nghi\u1ec7p, vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho c\u00f4ng ty l\u00e0 b\u01b0\u1edbc g\u1ea7n..<\/p>\n","protected":false},"author":1,"featured_media":14558,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14557","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc"],"acf":[],"yoast_head":"\n<\/title>\n<meta name=\"description\" content=\"Chi ph\u00ed m\u1edf v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n c\u00f4ng ty l\u00e0 bao nhi\u00eau? 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