The Financial OS
for Vietnamese Businesses
One unified platform to manage your business accounts, corporate cards, expenses, and cross-border payments. Built for the way Vietnamese SMEs actually work.
Free to start. No credit card required. Setup in under 5 minutes.
Total Balance
₫2,847,500,000
+12.5% this month
Monthly Spend
₫456,200,000
83 transactions
FX Savings
$3,240
vs. traditional bank rates
Cash Flow Overview
Trusted by forward-thinking companies across Vietnam
Products
Everything your business needs.
Nothing it doesn't.
One platform replaces your bank app, expense spreadsheets, FX broker, and accounting software.
Multi-Currency Business Account
Open a business account in minutes, not weeks. Hold and manage VND, USD, EUR, and SGD in one platform. Receive payments from global customers with dedicated local account details.
Corporate Cards
Issue unlimited virtual and physical Visa cards instantly. Set per-card spending limits, merchant category restrictions, and approval workflows. Earn cashback on SaaS and digital marketing spend.
Expense Management
Eliminate spreadsheets and paper receipts. Auto-capture receipts with Vietnamese OCR, enforce spending policies in real-time, and streamline multi-level approvals from your phone.
Cross-Border Payments
Pay international suppliers and receive from global customers at rates up to 70% cheaper than traditional Vietnamese banks. Real-time FX rates with transparent pricing, no hidden fees.
Cash Flow Analytics
See your complete financial picture in real-time. AI-powered cash flow forecasting, runway alerts, and spending insights help you make smarter decisions before problems arise.
Accounting Integrations
Connect directly with MISA, Fast Accounting, and Vietnamese tax reporting systems. Auto-categorize transactions, sync invoices, and generate tax-ready reports with zero manual work.
Built for speed. Priced for growth.
Vietnamese businesses save thousands of dollars every year by switching from legacy banking to OakFlow.
Solutions
Built for how you work
Every Vietnamese business is different. OakFlow adapts to your industry, your workflows, and your growth stage.
Tech Startups
Seed to Series B
Pain points we solve
- Paying for SaaS tools in USD with bad FX rates
- Managing burn rate across multiple bank accounts
- Slow reimbursements killing team morale
Multi-currency accounts let you hold USD for SaaS, receive VND revenue, and pay your team — all from one dashboard. Real-time burn rate tracking keeps your investors happy.
E-commerce Sellers
Shopee, Lazada, TikTok Shop
Pain points we solve
- Paying Chinese suppliers with expensive wire transfers
- Reconciling sales across 5+ marketplace platforms
- No visibility into true profit margins after FX and fees
Pay suppliers in CNY/USD at wholesale FX rates. Auto-import marketplace payouts and see your real margins in real-time. Issue virtual cards for ad spend with instant cashback.
Export Businesses
Textiles, Electronics, Agriculture
Pain points we solve
- Losing 2-4% on every international payment received
- 3-5 day settlement times on export receivables
- Manual FX hedging with spreadsheets
Receive USD/EUR export payments with competitive conversion to VND. Same-day settlement on major corridors. Automated FX alerts when rates hit your target, so you convert at the right time.
Professional Services
Consulting, IT Outsourcing, Agencies
Pain points we solve
- Chasing invoices across email and bank statements
- No centralized view of project profitability
- Receipt chaos at tax time
Send professional invoices and track payment status in real-time. Issue project-specific virtual cards to track spend per client. Auto-categorize expenses for MISA tax reporting.
Testimonials
Loved by finance teams across Vietnam
Pricing
Simple, transparent pricing
Start free, upgrade as you grow. No hidden fees, no surprises.
Ready to take control of
your business finances?
Join 500+ Vietnamese businesses already saving time and money with OakFlow. Get started in under 5 minutes — no credit card required.