Business overdraft is a form of BIDV credit to customers through enabling customers to use excess balances on deposit accounts billing customers opened at BIDV to offset the shortage of working capital temporary shortfalls in production and business activities.

Overdraft products for business objects are business customers have deposit accounts at BIDV to pay USD sales transaction is large enough, rotated regularly through BIDV; customers meet the criteria of the BIDV open transaction accounts, financial status and reputation of payment.

Overdraft products bring more businesses to add customers to use as:

- Allow customers to exceed the amount on deposit accounts of customers pay in USD BIDV to meet short-term payment needs of customers with flexible disbursement procedures;

- Return of the loan simply by writing a trading account can therefore reduce the maximum interest payable to the bank;

- Higher overdraft limit can meet the needs of customers;

- Customers can withdraw capital at the office through homebanking services without bank or to withdraw capital directly at any branch of BIDV;

- Loan process and re-overdraft limit will be adjusted annually;

- Interest rates and fees competitive and reasonable;

- Increase the utility when combined with the collection service, the automatic transfer of capital, concentrated BIDV: customers can flexibly use overdraft limit to meet the demand timely payments, the transfer auto capital, between accounts of member units and the parent company to minimize the amount of loans, cost savings, increased efficiency of capital management system.

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