Invoi Balance is the virtual wallet for Invoi Capital. It is not a bank account you add, and it does not take a bank statement.
Draws from the credit line land here. Scheduled repayments leave from here. You can also top it up from a linked business account and withdraw to one.
It shows on Capital and again under Dashboard → Bank & Cash as a virtual account. Totals for your linked banks do not include this wallet — look at the Capital card or open the virtual account itself.
#How it is activated
The wallet stays locked until your first Capital draw.
- Be on VIP and eligible for Invoi Capital. See Plans & Pricing.
- Open Capital and apply if you have not already. Partner banks review the invoices and cash flow already in Invoi. Applying assigns your virtual account number — it shows on Invoi Balance in Bank & Cash.
- When the line is approved, choose Draw funds. Pick an amount, review the schedule and interest, sign, confirm.
- The draw credits Invoi Balance. Add funds and Withdraw unlock on that page. The same wallet appears in Bank & Cash.
Until that first draw, the card shows zero and those actions stay disabled.
#How it works
Invoi Balance is a virtual account with a partner bank. Cash there is separate from Vietcombank, Techcombank, and any other linked accounts.
- Draws credit the wallet when you take from the revolving line.
- Scheduled repayments debit it on due dates. If the balance is short, the backup account you chose at draw covers the gap. A short grace period applies before retries.
- Manual loan payments debit Invoi Balance only. The backup account is not used for those.
- Add funds shows transfer details and a QR. Send from a linked business bank account; once received, the wallet is credited.
- Withdraw sends money to a linked external bank account. Any withdrawal fee is shown before you confirm.
Activity sits next to bank transactions so you and your accountant see Capital cash in the same Bank & Cash view. You never upload a statement for it. See Bank Accounts.
#What you can do with it
- Receive a draw and use it, or withdraw it to your business bank the same day
- Let installments debit automatically, or make an extra payment from the wallet. See Loan details.
- Top up ahead of a due date so the automatic debit does not fall short
- Pay suppliers, tax, or payroll from your bank after a withdrawal
- Open Dashboard → Bank & Cash and review every Invoi Balance movement
#Plans
Invoi Balance is part of Invoi Capital, available on VIP after eligibility review. Terms, limits, and availability depend on the partner bank. See Invoi Capital.