Capital Injection & Banking Compliance for Foreign Investors in Vietnam (2026 Guide)

Successfully registering your business is the first milestone. For foreign investors, managing Capital Injection Vietnam regulations and banking compliance is the critical second step in your market entry journey. As part of our Company Setup in Vietnam Master Hub, this guide covers the strict protocols you must follow to ensure your venture remains compliant with the State Bank of Vietnam.

Capital Injection Vietnam: The Direct Investment Capital Account (DICA)

Every foreign-invested entity in Vietnam is required to open a Direct Investment Capital Account (DICA). This is not a standard corporate current account; it is a specialized bank account designed for monitoring the flow of foreign capital.

• Function: All foreign currency transactions related to your investment must pass through this account.
• Purpose: This allows authorities to track the inflow of charter capital and the eventual repatriation of profits.
• Compliance: You cannot use standard operational accounts for capital injections. Failure to use the DICA correctly can result in significant administrative penalties.

The 90-Day Funding Deadline

One of the most common pitfalls for new foreign investors is the 90-day charter capital rule. You are legally required to contribute the full amount of your registered charter capital into your DICA within 90 days from the date your ERC is issued.

Failing to meet this deadline places your company in breach of the Investment Law. This can trigger unnecessary regulatory scrutiny, affect your standing with the Department of Planning and Investment (DPI), and complicate your ability to amend your business license in the future.

How to Stay Compliant: A 3-Step Checklist

1. DICA Activation: Immediately after receiving your ERC, secure a bank that is authorized to handle foreign investment accounts.
2. Capital Transfer: Ensure all capital transfers are clearly labeled as “Charter Capital Contribution” in the transaction description.
3. Audit Trail: Keep all SWIFT copies and banking records of the capital transfer. These are required for tax filings and will be essential if you need to repatriate profits later.

Need assistance with your Post-Incorporation Compliance?

Capital management is a complex regulatory area. If you are approaching your 90-day deadline or require support in opening your DICA, consult our team to ensure your compliance is airtight.

Speak with our Vietnam Company Setup Advisors