- 5+ – Main software groups
- 16 – Banks on MISA Lending
- VND 3bn – Tin Vay Biz limit (FAST)
- 1 Jan 2026 – Circular 99/2025 applies
🤝 Disclosure: the author advises on solutions in the Bkav ecosystem, including AIBooks accounting software. Information about other products comes from vendors' public announcements and press coverage (sources at the end) and is not a product quality rating.
📊 Vietnam's accounting software market in 2026
Accounting software for small and medium-sized enterprises (SMEs) in Vietnam is concentrated among a handful of long-established vendors, each strong in a different segment:
- MISA (AMIS / SME) – Position: Most widely used among SMEs; Best fit: SMEs and household businesses wanting a full ecosystem; Built-in lending link: Yes - MISA Lending
- FAST – Position: Long-established, solid position; Best fit: Manufacturers and traders needing rigorous financial and cost reporting; Built-in lending link: Yes - Tin Vay Biz (VietCredit), launched 2026
- BRAVO – Position: Strong in mid-size and large firms; Best fit: Companies with complex processes needing deep customization / ERP; Built-in lending link: Not announced
- AccNet (Lac Viet) – Position: Management-accounting focus; Best fit: Multi-branch companies needing management analytics; Built-in lending link: Not announced
- AIBooks (Bkav) – Position: Newer, AI-driven; Best fit: Household businesses and small firms wanting online accounting tied to e-invoices, tax and digital signatures; Built-in lending link: Bank integrations being expanded
- Effect and others – Position: Niche, low cost; Best fit: Very small firms with basic needs; Built-in lending link: Limited or none
Lending information reflects public announcements up to October 2026. Market positions are a general overview, not official market-share data.
💡 The key 2026 trend: accounting software is no longer just for bookkeeping and tax filing. Accounting data is becoming a credit file - banks use it to decide whether to lend.
🏦 Why your accounting software affects access to bank loans
Most Vietnamese SMEs lack collateral. For unsecured loans, banks need a substitute: reliable operating data. Today's embedded-lending platforms score credit using e-invoices, revenue, receivables and cash flow that businesses consent to share.
- VND 40,090bn – Cumulative disbursement via MISA Lending
- 16 – Banks connected to MISA Lending
- 36.2% – Loan success rate reported by MISA
According to figures MISA released in August-September 2026, MISA Lending has disbursed VND 40,090 billion over five years through 16 partner banks. In April 2026, FAST and VietCredit agreed to offer the Tin Vay Biz unsecured loan (up to VND 3 billion) inside Fast Accounting Online. The message is clear: choosing accounting software in Vietnam now also means choosing a gateway to credit.
5 things that make banks trust your accounting data
- E-invoices match the books: Recorded revenue must match output invoices and costs must match input invoices. Direct e-invoice integration removes manual-entry gaps.
- Cash flow matches bank statements: Receipts and payments that mirror actual bank transactions are the strongest signal of honest numbers.
- Tax returns match financial statements: Revenue on tax returns, financial statements and invoices must agree. Mismatches are a common reason loan files get queried or rejected.
- Continuous history under the right accounting regime: Banks review several consecutive months. Since 1 January 2026, Circular 99/2025/TT-BTC has replaced Circular 200/2014 as Vietnam's enterprise accounting regime; SMEs may keep Circular 133/2016 or opt for Circular 99. Software must support the regime the company actually uses.
- Security and controlled data sharing: Financial data should be shared only with consent, within scope and with access logs. Strong security reassures both the business and the bank.
🔍 The main accounting software options
1. MISA (AMIS Accounting / MISA SME)
The most widely used accounting software among Vietnamese SMEs, with a broad ecosystem covering accounting, e-invoicing, HR and sales. MISA says about 400,000 businesses and household businesses use its ecosystem. Its MISA Lending platform connects 16 banks for unsecured loans based on operating data.
Best for: SMEs wanting a complete ecosystem, accounting teams familiar with MISA, and firms seeking digital unsecured loans.
2. FAST Accounting
A long-standing brand known for standards-based financial reporting and cost accounting - a good fit for manufacturers and traders. From 2026, FAST and VietCredit offer Tin Vay Biz in Fast Accounting Online: unsecured loans up to VND 3 billion for companies operating 24+ months with revenue of VND 3 billion+ over 12 months and 6+ months on FAST (per VietCredit's announcement).
Best for: manufacturers and traders that need tight cost control and financial reporting.
3. BRAVO
An ERP-oriented suite for mid-size and large companies: accounting, inventory, production, construction and management reporting, deployed by module and customized to each process.
Best for: mid-size and larger firms with complex processes and the budget and time for implementation.
4. AccNet (Lac Viet)
Focused on management accounting and financial analysis, with multi-branch support.
Best for: companies with multiple units needing consolidated management reports.
5. Effect and others
Lower-cost software covering basic accounting tasks.
Best for: very small businesses with simple needs that do not yet need an ecosystem or lending link.
🤖 AIBooks - Bkav's AI accounting software
AIBooks is an online accounting and sales platform developed by Bkav for household businesses and companies of all sizes. In 2025, AIBooks earned Bkav recognition at the Industrie 4.0 Awards in Vietnam (Top enterprises with smart digital products and Industry 4.0 solutions).
- 🧠 AI-driven bookkeeping of vouchers and invoices, plus alerts and reminders based on data analysis.
- 🧾 E-invoice integration for both output and input invoices - the source data that keeps books matched to invoices.
- 🔗 Part of the Bkav ecosystem: digital signatures, e-tax and electronic social insurance; bank and e-commerce integrations are being expanded.
- ☁️ Fully online, no installation, with detailed permissions by function and user.
- 🛡️ Backed by Bkav's security expertise - a long-standing player in cybersecurity and digital-signature certification in Vietnam.
"AIBooks is not trying to be a second MISA. It aims to be the accounting software whose data banks trust most - and that makes it easiest for businesses to borrow." – Duy PC's view on the direction of AIBooks
The "clean, secure, loan-ready data" niche is where AIBooks has a natural edge: data flows directly from e-invoices, digital signatures and tax filings within one ecosystem, protected by Bkav's security infrastructure. Once bank connections are in place, this is exactly the kind of data lenders need for fast, reliable appraisal.
⚠️ Note: as of October 2026, Bkav has not announced a lending partner integrated into AIBooks. If borrowing through your accounting software is an immediate priority, ask about the bank-integration timeline before deciding.
✅ How to choose: a 6-question checklist
- Is it updated for Circular 99/2025/TT-BTC?: Vietnam's new enterprise accounting regime applies from 1 January 2026 (replacing Circular 200). SMEs on Circular 133 should check the software supports both and can switch when needed.
- Does it connect directly to input and output e-invoices?: Less manual entry, books that match invoices - the first condition for trustworthy data.
- Can it reconcile with bank statements?: Receipts and payments that match real cash flow.
- How is data protected and shared?: Ask about storage location, encryption, permissions, access logs and consent controls for sharing data with third parties.
- Is there a lending link, and with which banks?: Important if you plan an unsecured loan in the next 6-12 months.
- Total cost of ownership: License or subscription, implementation, training, and the cost of migrating data if you switch later.
🌏 For foreign-invested companies: Vietnamese statutory books must follow Vietnamese accounting regimes and e-invoice rules even if your group reports under IFRS. Check that the software supports bilingual reports and multiple currencies.
❓ FAQ on choosing accounting software in Vietnam
Which accounting software is most popular with Vietnamese SMEs?
MISA is the most widely used among SMEs, followed by FAST. BRAVO is strong among mid-size and large companies. The right choice depends on size, industry and budget.
Can accounting software help a business get a bank loan in Vietnam?
Increasingly, yes. Some software now includes unsecured-lending channels based on accounting, invoice and cash-flow data (MISA Lending; Tin Vay Biz in Fast Accounting Online). Clean data that matches invoices and bank statements speeds up appraisal.
What do banks look for in accounting data?
Revenue that matches e-invoices, cash flow that matches bank statements, tax returns that match financial statements, several months of continuous history, and the business's consent to share data.
Which accounting regime must software support from 2026?
From 1 January 2026, Circular 99/2025/TT-BTC replaces Circular 200/2014/TT-BTC as the enterprise accounting regime. SMEs may continue with Circular 133/2016/TT-BTC or opt for Circular 99. Check that your software has the right chart of accounts and report templates for your regime.
How is AIBooks different?
AIBooks uses AI to book vouchers and invoices automatically, runs fully online, and links directly to e-invoices, digital signatures, e-tax and electronic social insurance in the Bkav ecosystem, backed by Bkav's security. Bank integrations are being expanded.
Is it risky to switch accounting software mid-year?
You can switch, but you must migrate opening balances, master data and vouchers so records stay continuous. If you plan to borrow, avoid gaps in your data history, since banks usually review several consecutive months.
📰 Legal basis and sources
- MISA Lending: 40.090 tỷ đồng giải ngân, 16 ngân hàng (18/8/2026) - baochinhphu.vn
- Chiến lược dữ liệu của MISA Lending (11/9/2026) - theleader.vn
- VietCredit và FAST hợp tác triển khai Tin Vay Biz (22/4/2026) - vietcredit.com.vn
- Bkav đoạt giải Industrie 4.0 Awards 2025 với AIBooks - noptokhai.vn
- Bkav mang AIBooks tham gia Hội chợ chuyển đổi số ngành Thuế (9/2025) - econtract.bkav.com
- Từ 01/01/2026, DN vừa và nhỏ có thể áp dụng chế độ kế toán doanh nghiệp (TT 99/2025) - luatvietnam.vn
- Trang sản phẩm AIBooks - aibooks.bkav.com
ℹ️ Compiled from vendors' public announcements and press coverage up to October 2026 (sources mostly in Vietnamese), for reference only. Features, pricing and lending partners may change - confirm directly with each vendor before deciding.
