Some MB customers have found shop QR codes linked to personal accounts despite saying they did not request a household-business service. VnExpress reported that MB’s October 30 explanation described the feature as a way to receive payments and track transactions, rather than registration of a household business.
What prompted the questions
Customer Hoàng Linh said the app displayed a mobile-trading category and a Hanoi address unrelated to where she lived or worked. Its shop-management section also showed incoming and outgoing personal-account transactions.
She was concerned that personal transfers might be mistaken for business revenue. That is a reported concern, not evidence that tax authorities have classified the money that way or assessed tax against her.
MB said it had not independently registered customers as household businesses or established them as business owners. It also said a shop display or VietQR code was not a basis for concluding that a tax obligation had arisen. These are the bank’s statements as relayed by VnExpress.
Review of the underlying information
FIDT specialist Đỗ Thu Hồng identified uncertainty about data and transaction management as the immediate issue. Personal accounts can receive salaries, family transfers, loan repayments and other civil payments, she noted.
Her assessment called for accurate business details, transparent service enrolment and customer choice; it is not a legal finding against MB. The bank said it would continue reviewing registration and service-use histories for customers with questions. Clarifying the source of the displayed information and communicating individual review outcomes are the next unresolved steps described in the report.