Sender fee is depended on the sending bank. For Vietcombank fee policy, click here.​​​

​To clarify the money transfer status, please contact Vietcombank Call Center 1900 54 54 13 at Vietnam or visit our Vietcombank counter. Or you can contact the beneficiary bank to check the status. If any admendment, please correct as soon as possible.​

Customer visit the nearest Vietcombank transaction officice or contact Vietcombank Call Center 1900 54 54 13.​​

​Sender visit any Money Gram agent to make a money request.​

​After completing the sending procedure at Money Gram, within 10 minutes, beneficiary can receive money.​

Please refer fee policy at MoneyGram wwebsite http://www.moneygram.com​​​

​​Your relatives can receive money without paying any other fee.​

​USD or VND. ​

​Vietcombank provide a wide network of branches and transaction office to receive money. Simple & fast service helps customers save cost and time. In addition, customers have opportunity to receive many promotions from Vietcombank.​

​The status of transaction will be updated automatically. If sender want to check, he/she can contact the sending agent.​

​- When coming to agencies, customers must bring identification with photo, e.g: ident card
- In addition, customers also need to have accurate information of the recipients (name, address, telephone number and mobile number (if available)), account number (if any), number of ID card/passport.
- In addition, depending on the requirements of each money transfer agents and regulations of the United States, customers may be required to add some other necessary documents.​

- To limit the errors, customers need to fill in information clearly on remittance form, especially the information about name, ID number, address and account number of the recipient (if any).
- The declared information, customers should fill in Vietnamese without accent.
- Pay attention to spelling and note the letters or numbers can be confusing with each other like the letter A, the letter H and number 4; letter B and number 13; letters C and O; letter G and the number 6 ... etc ... If customers fill in by mistake, do not cross out, ask for a written declaration to the other.
- Customers always have at least one memory providing information to identify the beneficiaries. If the beneficiary has to open an account, please enter account number. But if the beneficiary has no account number, he/she need to have an ID number or any identity cards with photo (such as a valid passport).
- For the beneficiary does not have an account at Vietcombank, you need to provide the most convenient way to help banks contact the beneficiaries to notice picking up money. It is best way if the senders can provide phone numbers of the beneficiaries. If the landline, you need to fill the area code of the phone number. Where there is no phone, you must provide current residence address of the recipient bank to receive a notice by mail (this address does not necessarily follow that just as household address to send a letter to the hands of the beneficiary).
- Finally, customers should keep 01 copies of declarations of money transfer or remittance receipts as proof of the bank if the remittance is malfunctioning.​​

​The maximum amount that customers can send money depending on the regulations and laws in service of the national bank, state or territory where you live. Besides, depending on the policies and regulations of the company itself every remittance.​

​When customers can send money through channels of TNMonex to Vietnam. Normally, their customers can receive money within a day at Vietcombank.​

​For detailed information on the status of remittance transactions, please please call us at 1900545413 in Vietnam or contact directly with the bank's transaction. Or, you can take the initiative to contact the bank depositors, asking them to check the status of your money, if there are errors, then ask them additional time to edit. If you also hold Receipt of money, used this way will effectively and faster.​

​The beneficiary does not necessarily have to have an account in the Bank. In this case customers need to provide its name, contact address, recipient identification number, date and place of issue of ID card, telephone number (if any) and the proposal moved through the Bank for Foreign Trade of Vietnam.​

​When getting money at Vietcombank, you remember that ID card / passport need to be valid, the notice of bank or depositor (if applicable). If you get cash, please bring extra Reference number provided by the sender.​

​You can get the right kind of currencies that the sender specified or by VND (if you request).​

​Customers can call the customer service center 24/7 on: 1900 54 54 13 or 043 8243524 or contact the nearest branch of Vietcombank.​

​Your relatives in Vietnam do not have to pay a fee to receive money in the network of Vietcombank.​

​With money transferred in foreign currency and you want to receive by VND, it shall be applied transfer buying exchange rate published daily by the Bank for Foreign Trade of Vietnam.​

​- When coming to agencies, customers must bring identification with photo, e.g: ident card
- In addition, customers also need to have accurate information of the recipients (name, address, telephone number and mobile number (if available)), account number (if any), number of ID card/passport.
- In addition, depending on the requirements of each money transfer agents and regulations of the United States, customers may be required to add some other necessary documents.​

​- To limit the errors, customers need to fill in information clearly on remittance form, especially the information about name, ID number, address and account number of the recipient (if any).
- The declared information, customers should fill in Vietnamese without accent.
- Pay attention to spelling and note the letters or numbers can be confusing with each other like the letter A, the letter H and number 4; letter B and number 13; letters C and O; letter G and the number 6 ... etc ... If customers fill in by mistake, do not cross out, ask for a written declaration to the other.
- Customers always have at least one memory providing information to identify the beneficiaries. If the beneficiary has to open an account, please enter account number. But if the beneficiary has no account number, he/she need to have an ID number or any identity cards with photo (such as a valid passport).
- For the beneficiary does not have an account at Vietcombank, you need to provide the most convenient way to help banks contact the beneficiaries to notice picking up money. It is best way if the senders can provide phone numbers of the beneficiaries. If the landline, you need to fill the area code of the phone number. Where there is no phone, you must provide current residence address of the recipient bank to receive a notice by mail (this address does not necessarily follow that just as household address to send a letter to the hands of the beneficiary).
- Finally, customers should keep 01 copies of declarations of money transfer or remittance receipts as proof of the bank if the remittance is malfunctioning.​

​The maximum amount that customers can send money depending on the regulations and laws in service of the national bank, state or territory where you live. Besides, depending on the policies and regulations of the company itself every remittance.​

​When customers can send money through channels of TNMonex or UniTeller to Vietnam. Normally, their customers can receive money within a day at Vietcombank.​

​The beneficiary does not necessarily have to have an account in the Bank. In this case customers need to provide its name, contact address, recipient identification number, date and place of issue of ID card, telephone number (if any) and the proposal moved through the Bank for Foreign Trade of Vietnam.​

​When getting money at Vietcombank, you remember that ID card / passport need to be valid, the notice of bank or depositor (if applicable). If you get cash, please bring extra Reference number provided by the sender.​

​You can get the right kind of currencies that the sender specified or by VND (if you request).​

​Customers can call the customer service center 24/7 on: 1900 54 54 13 or 043 8243524 or contact the nearest branch of Vietcombank.​

​Your relatives in Vietnam do not have to pay a fee to receive money in the network of Vietcombank.​

​With money transferred in foreign currency and you want to receive by VND, it shall be applied transfer buying exchange rate published daily by the Bank for Foreign Trade of Vietnam.​

VCB-SMSBanking is a banking service via mobile phone messages which allows customers to receive current account's balance changing or spending credit cards notices or actively query information, topup prepaid mobile phone by sending a message to 6167.

​

​With VCB-SMSBanking you can easily check account information/exchange rate/interest rate/ATM/branch anytime, anywhere simply and conveniently by sending a message to 6167 without internet access or making a phone call. 
Besides, with account balance changing and spending credit cards notices, you easily manage cash flow through account, detect and prevent risks timerly.

• Vietcombank will charge VCB-SMSBanking fee if customers use function of  account balance changing and credit card using notice with 11.000 VND/phone number/month (VAT included). If you do not use this function, bank will not charge VCB-SMSBanking fee.
• Each message for information inquiry or mobile phone topup to 6167, Telo will charge SMS fees by Telcos

With VCB-SMSBanking you can make transactions including:

• Inquiry current account
• Inquiry 05 most recent transactions history
• Inquiry exchange rate, interest rate
• Inquiry ATM/Vietcombank network
• Mobile phone topup for yourself
• Receive notices for changing current account balace and spending credit cards.

​

​Customers with Vietcombank current account(s) can register to use VCB-SMSBanking.

​You can register VCB-SMSBanking at the nearest Vietcombank counter or using Vietcombank debit card to register at Vietcombank's ATMs.

​With a mobile phone having a SIM of Viettel/Mobifone/Vinaphone/Gmobile/Vietnammobile, you can use the registered service with Vietcombank.

​When changing VCB-SMSBanking number, you have to request to cancel service with the old number and register for the new number.

• Username is your VCB-SMSBanking number.
• For your convenience, at the moment, there is no password for VCB-SMSBanking.

​​

You should cancel the service at the nearest Vietcombank counter or via Vietcombank Contact Center 24/7 (1900 54 54 13) as soon as your phone is lost or you transfer  your phone number to a nother person for avoiding financial risks related to mobile topup transactions and the risk of exposing your account information.

​

​At the moment, user name for VCB-iB@nking is provided by Vietcombank and you are not allowed to change unless there's suspicion that username is exposed and/or used by hackers, Vietcombank will support customers to change username.​

• ​Vietcombank requires you to change your login password in the first time login within 24 hours after receiving password the bank sent via email.
• To perform financial transactions, please register authentication method.

​OTP is the password used once only provided to customers by Vietcombank each time you perform a payment transaction via VCB-ib@nking to precisely verify customers. This password is valid once only so it can ensure your safety.​

​​OTP is automatically sent to customers in these below forms:
- Mobile phone text message;
- Or through Vietcombank Smart OTP application;

To change phone number receiving OTP, please come to any Vietcombank transaction point to perform your request or login VCB-iB@nking and use OTP receiving method setup feature.

​With VCB-Mobile B@nking, you will feel convenience and safe. Easy to fund transfer, pay bill, mobile phone topup via a smartphone. 
In addition, You will enjoy more attractive utilities integrated on the service.​

Vietcombank Mobile Banking (VCB-MobileB@nking) helps you complete transactions using your mobile device everytime and everwhere. 

• Fund transfer up to 100 million per day
• Top up prepaid mobile phone
• Bill Payment
• Credit card payment
• QR code payment
• Enquiry about account balance, last 5 transactions, credit card limit. 
• Enquiry about general information of Vietcombank: exchange rate, interest rate, ATM location, Branches.
• Buy and pay domestic airline ticket (VietnamAirlines, VietjetAir, Jetstar).
• Securities portfolio management.​

​Customers with Vietcombank current account(s) and phone number using VCB-SMS B@nking can register to use VCB-Mobile B@nking. ​

​You can register VCB-Mobile B@nking at the nearest Vietcombank counter or VCB-iB@nking. ​

​With mobile devices using Operating system iOS version 6.0 or later and Android version 2.3 and later, you can experience the service. ​

​When changing the mobile device using the service, you have to request "Reactive" the service at the nearest Vietcombank counter or VCB-iB@nking. 

• Username is your phone number using the service.
• Password is set by the customer (at least 8 digit alphanumeric character) afer the customer 

​If you forget your password, you have to request "Reactive" the service at the nearest Vietcombank counter or VCB-iB@nking to receive new password. 

​If you suspect your password revealed or stolen, you need to change your password immediately and notice to our Bank at the nearest Vietcombank counter or Vietcombank Contact Center 24/7 (1900 54 54 13) for help. 

​When losing the phone number or mobile device or give others, you need to request "Deactive" the service immediately at nearest Vietcombank counter or Vietcombank Contact Center 24/7 (1900 54 54 13) to prevent potential financial risks. 

You should take the following precautions to protect your password: 
 - Do not reveal your ID and password to anyone, write down or use it where someone else can see or input to any non-official application or screen like official application or screeen of Vietcombank.
 - Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
 - Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
 - Change your password IMMEDIATELY, using the 'Change of Password' service, if you suspect it has been revealed.
 - Change your password regularly.

​

Mobile BankPlus is a banking service which allows customers using Viettel's phone number to perform banking transactions anytime, anywhere via mobile phone using Viettel SIM. ​

​

​With Mobile BankPlus, you will feel convenience and safe. Easy to fund transfer, pay bill, mobile phone topup via a smartphone. 
In addition, You will enjoy more attractive utilities integrated on the service.​

Vietcombank will charge the maintainance service fee at 11.000 VND per month (VAT included). In addition, bank will charge 11.000 VND per fund tranfer transaction to other Banks. 

​With Mobile BankPlus service you can make transactions including:
 - Fund transfer with vietcombank;
 - Fund transfer to other Banks in list here;
 - Top up mobile phone, game online. 
 - Bill Payment: Electricity Bill, Mobile Bill, Landlinde home Bill, Internet Bill,.... 
 - Enquiry account balance, last 5 transaction, credit card limit.​

Customers with Vietcombank current account(s) and phone number using VCB-SMS B@nking can register to use Mobile BankPlus. ​

​

​You can register Mobile BankPlus at the nearest Vietcombank counter or VCB-iB@nking. ​

With mobile devices using Viettel SIM, you can experience the service via USSD *123# or BankPlus Application. ​

​

​When changing Mobile BankPlus phone number, you have to request to cancel the service with the old number and register for the new number.​

​- Username is your phone number using the service.
- Password is set by the customer (at least 6 digits) afer the customer

​If you forget your password, you have to request "Reset PIN" the service at the nearest Vietcombank counter or VCB-iB@nking or via Vietcombank Contact Center 24/7 (1900 54 54 13) to receive new password. ​

​If you suspect your password revealed or stolen, you need to change your password immediately and notice to our Bank at the nearest Vietcombank counter or Vietcombank Contact Center 24/7 (1900 54 54 13) for help. ​

When losing the phone number or give others, you need to request "Deactive" the service immediately at nearest Vietcombank counter or Vietcombank Contact Center 24/7 (1900 54 54 13) to prevent potential financial risks. ​

​

You should take the following precautions to protect your password: 
 - Do not reveal your ID and password to anyone, write down or use it where someone else can see or input to any non-official application or screen like official application or screeen of Vietcombank.
 - Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
 - Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
 - Change your password IMMEDIATELY, using the 'Change of Password' service, if you suspect it has been revealed.
 - Change your password regularly.

​

​VCBPhoneB@nking is to help customers to perform banking transactions 24h*7 days via phone number at Vietcombank Contact Center (1900 54 54 13).

1. Information inquiry:
Account balance and 5 most recent transactions details.
Total balance of savings accounts, loan accounts
Credit card limit
Credit card balance and payment schedule
​2. Urgent services
Disable online payment on cards
Disable VCB-iB@nking, VCB-SMSB@nking, VCB-PhoneB@nking
Credit cards authorization request
3. Other services
​Exchange rate inquiry, bank services information, bank promotion program inquiry.
Consult and support customers of current Vietcombank services

​

Vietcombank does not charge VCB-PhoneB@nking. Please pay telecomunication fee according to current fees of the telecomunication corporations.​

​

All individual customers using Vietcombank services are eligible for VCB-PhoneB@nking service.​

​

To receive user name and password using VCB-PhoneB@nking, you can register at:
- Any Vietcombank counters nationwide;
- Or via VCB-iB@nking service (in case you have already used VCB-iB@nking)​

​

​In order to provide customer information about the limit that can be used in case the customer has many VCB credit cards and these cards have a connection limit, VCB sends information to the customer about the available limit which calculated as the remaining limit that customers can use

Example: Customers are granted a limit of VND 100 million by VCB to issue credit cards, including 01 Visa Platinum card with a limit of 100 million VND and 01 JCB gold card with a limit of 70 million VND. Customer has spent 50 million VND Visa card à available limit is 50 million VND. When Customer continues to spend with JCB card 5 million VND à  available limit is 45 million (although JCB card has an initial limit of 75 million and new customer uses 5 million on this card).

​No. The card reader and the card must be near each other (less than 4 cm), besides, the card must be placed in the right place for a few seconds for a transaction to be completed.​​​​​​​

• ​Yes. Contactless card using advanced chip technology which is safe for cardholders. Besides, since you do not need to give your card to cashier when making payment but just tapping your card, your card is always with you and your card information are secured.
  
• To make payment, your contactless card should be placed near card reader (less than 4 cm) and should be place at the right place on the card reader.

You should put your card maximum 4 cm away from the card reader to make payment. It is recommended that you should put the card directly on contactless symbol for few seconds until transaction was completed.​​​​​​​​

​Yes, you can use contactless card at merchants that do not accept contactless payment by swiping the card or inserting the card as usual.​​​​​​​

• You can pay at any merchants having contactless symbol by tapping your card. These merchants are usually fast food chains, supermarkets, convenient stores, cafe, petrol station, pharmacies…
  
• ​​​​​​​Currently, there’re VCB’s merchants accepted contactless payment including CGV, Starbuck, Highlands, Vinmart, BigC​... ​

• ​You should protect your contactless card similarly to how you keep other cards.
• Please be ensure to keep it under your control and in a safe place.
• Do not put the card near contactless device
• Do necessary things to prevent unwanted transactions occurred when the contactless card still in the card holder.
  
• Keep checking transaction notifications from bank, inform the bank via Hotline 24/7 or contact branch/transaction office in case there’s unwanted transaction.

• ​To make it simple and convenient, merchants accepted contactless card do not request cardholder to sign/enter PIN for small transactions (less than 1 mil VND¹). However, to protect customers, all transaction valued from 1 mil VND will be required to enter PIN.
  
• This limit may change from time to time according to the regulations of the State Bank, International Card Organizations, Card Switching Organizations and / or Banks.

​​​​​​​Contactless card brings in many benefits:

• Faster payment compared to cash payment or using contact card which requires you to provide the card to cashier.
• For small value transaction, you do not need to sign/enter PIN, you just need to tap your card to make payment.
• The card is under your control since it’s always in your hands.
• You can keep the payment invoice, which is more efficient than using cash.

Convenient to use at café, fast food chains, petrol and many other places since you can pay faster than using cash.​

If your card is contactless card, you can find contactless symbol  on the front of the card.​​​​​​​​

Contactless card using advanced chip technology which brings in convenience and simplicity for customers when making payment. To make contactless transactions, you just need to tap your card or wave it over the contactless symbol of the card reader. You don’t need to enter PIN/sign for small value transactions.​​​​​​​​

​Chip card is also called "smart card". This type of card has a chip attached on the card surface and this is the visible difference between chip cards and stripe one. Chip cards still have stripe line at the back of the card. Vietcombank issues both chip and stripe cards but most of card products are provided with chip technology because of its high security feature.​​​​​​​

​Due to card feature exclusively for business expenses, the Vietcombank Corporate Cards can not be provided with supplementary cards.​​​​​​​

​Yes, currenty, Vietcombank issued 2 corporate credit card products including Vietcombank Visa Corporate and thẻ Vietcombank American Express® Corporate, of which, the Vietcombank American Express® Corporate Card is our first corporate credit card provided in Vietnam, designed exclusively for corporates/ organization as a comprehensive payment/expense management solution, at the same time, offer many benefits for staff.​​​​​​​

​The Bank does not require proof of income documents from the Supplementary cardholder because it is issued under the account of primary card.​​​​​​​

​Vietcombank credit card usually valid for 05 years. However, in case cardholder is foreigner, validity of the card can be shorter depending on the remained duration of his/her stay in Vietnam shown on his/her working permit.​​​​​​​

• ​If your Vietcombank credit card is lost/stolen, please immediately lock the card using VCB-iB@nking service, VCB-Mobile B@nking, sending text message to 6167 or contacting our 24/7 Vietcombank Contact Center hotline: 1900.54.54.13.
• Please be noted that you will be responsible for all transactions arised from your credit card until the Bank received information about the lost card and locked the card.

Debit payment is provided for cardholders having current account at Vietcombank. You can choose to auto debit the minimum amount or the whole amount showing on your credit card statement. Make sure your bank account have enough amount to cover the payment.​​​​​​​​

​If cardholders do not pay minimum required amount at the proposed payment date, late payment fee will be applied (as regulated in VCB card fees schedule). At the same time, credit card interest rate will be applied for the whole outstanding balance and new arising transactions/charges (if any). For cash withdrawal transaction, interest will be applied at the time cardholder withdrew cash with credit card.​​​​​​​

At the payment proposed payment date, you can pay only the minimum amount (showing on bank statement). However, in order to avoid interest rate incurred from unpaid amount, the bank recommends customer to pay the outstanding balance shown on the statement.​​​​​​​

Yes, you can transfer from your foreign currency account via ATMs or VCB-iB@nking service or register for auto debit service to pay for your credit card outstanding balance.​​​​​​​​

Currently, customers can pay for credit card statements by the following methods:

• Automatic debit  
• Pay via VCB Digibank on Mobile application and on web browser (for your card or another VCB cardholder’s card)
  
• Cash deposit directly at Branch / Transaction office of VCB  
• Transfer from other banks

Please note:

• For Automatic debit:

• You can request VCB to debit automatically daily or monthly.
• The automatic debit account may be the cardholder's account opened at VCB or another person's account opened at VCB (in case account holder agreed with that in written form).
• For daily automatic debit: The automatic debit amount is the whole balance.
• For monthly automatic debit: The automatic debit amount may be the minimum payment amount or the whole balance. VCB will make automatic debit deduction 01 days before proposed payment date, on proposed payment date and up to 3 times after proposed payment date.

• For payment via VCB Digibank on Mobile application and on web browser: transactions will be updated to the system on the same day if done before 18:00 and on the next day if done after 18:00. Therefore, please pay before 18:00 to request payment to enjoy the fee/interest incentive as prescribed by VCB.
• For transfer from other banks: Bank transfer information is as follows:

• Beneficiary account number: 068270301015 - Beneficiary account name: Trung gian thanh toan the.
• Or Beneficiary account number: Card account number - Beneficiary account name: Primary cardholder's name.
• Branch (if any): Tru so chinh
• Transaction amount: Not greater than the outstanding balance.
• Content: Pay for credit card statement of account number (specify card account number)

(Note: The card account number is announced on your credit card statement. Please be advised that the beneficiary account number must be Card account number, please do not use the credit card number to avoid the transaction decline)

• In addition, payment transactions via bank transfer from other banks will be updated into the system after 1-2 working days. Therefore, please make sure that you make your payment at least 1 working day prior to the Proposed payment date to allow time for interbank transaction processing.

• When getting cash in advance from credit card at ATM, you only pay fee of 3,64% of the cash withdrawal amount (minimum of VND 45,454) at any Vietcombank’s ATMs in Vietnam.
  
• In case you withdraw cash at other bank’s ATMs, you might be charged additional fee regulated by that bank. ​

• ​​​​​​​​For Vietcombank Visa Signature/ Vietcombank Mastercard World international credit card: interest free period is up to 55 days.
• For American Express international credit card: the interest free period is up to 50 days.
• For Visa/Mastercard/JCB/UnionPay international credit card: interest free period is up to 45 days. 
• ​​​​​​​For Vietcombank Visa Corporate, Vietcombank American Express Corporate card: interest free period is up to 57 days.

• When making payment with credit card at merchants, you need to check the amount on the receipt before signing. Keep a copy of the bill/receipt. When getting back your card, you need to check to avoid getting card of other people mistakenly. Besides, never disclose your card number and the CVV number at the back of your card to anyone. 
  
• ​​​​​​​With online transaction, you should check and make payment at websites with secured payment feature (Visa Secure/Mastercard ID check/JCB Secured code/ American Express SafeKey) or trusted website with detailed information about online payment.​

​​​​​​​Information about the credit card fees/charges, please visit our official website www.vietcombank.com.vn or contact our 24/7 Vietcombank Contact Center hotline: 1900.54.54.13.

​

​​​​​​​​Yes if your overall credit limit is still not fully utilized or you can provide documents proving your ability to cover your submitted card credit limit (income or collaterals). If you want to increase your credit limit, you can send your credit card change request and the bank will respond promptly whether your request is accepted. 

​The procedure depends on many factors and follows our Credit Scoring regulations. For more details, please contact our nearest branches/transaction office. ​​​​​​​

​​​​​​​Your PIN provided by the Bank together with your credit card will be used in the case you want to withdraw cash at ATMs, therefore it should be kept secured. Your PIN is fixed and unchangeable.

​

​If you do not sufficient required proof of income documents, you are still able to apply for secured Vietcombank credit cards. Documents required include application form, personal document and documents as follows:

By Collateral: collateral for card issuance guaranteed:

    + Documents required:

• • Contract of pledge (original copy).
  • Document evidence for collateral as specified by the bank.​​​​​​​
    

+ Type of collateral: cash, saving book, block saving account at Vietcombank, government bond, bond of financial institution, other value document issued by Vietcombank/other banks/financial institution... 

​+ If you are working at organizations/corporates and:

• You are receiving salary through VCB account: you do not have to provide proof of income document.
• If you do not receive salary through VCB account: you can choose one of following options:
  • Option 1: Bank statement showing your salary for at least 3 recent months (original copy with bank's seal) and Labour contract/Decision of position/Decision for salary raise/Decision of recruitment (copy).
  • Option 2: Letter of confirmation from employer (original copy, with seal of authorised representative) using bank's template.
  • Note: In case you are working for company/corporation in private sector, partnership proprietorship, private pubic service division: you're required to provide document following option 1.

+ If you are owner of a private proprietorship: You are required to provide copy of tax report of recent 3 months, copy of Business registration certificate.

+ If you are self-employed, small business owner: you are required to provide copy of tax report of the last 1 year.

​You should prepare following documents:

+ For Vietnamese customers:

• Application form for international credit card for individual customer (original document).
• Copy of valid ID card/passport (original documents must be presented for verification).  
• Proofs of financial status: income proof, employment position (original document or copy depending on the type of document and customer group) and/or certification of collateral documents (original document) and/or letter of guarantee (original document)...
• Other documents per Vietcombank’s request from time to time.

+ For foreign customers: besides documents similar to Vietnamese customers, following documents need to be submitted:

• Copy of valid documents (Visa/ Temporary residence certificate/ Temporary residence card/ Residence card/ Labour contract/ Employment decision or other documents) showing that customer allowed to reside in Vietnam for at least 12 months (original documents must be presented for verification).
• Copy of work permit or labour contract showing that the remaining residence period in Vietnam of customer is at least equal to card validity + 40 days (in case the card was issued without collateral or party guaranteed) (original documents must be presented for verification).
  
• ​​​​​​​Original verification document from employer (in case the card was issued without collateral or partly guaranteed).

​Apart from basic features of credit card, Vietcombank international co-branded credit cards also offers special benefits provided by Vietcombank and partners. ​​​​​​​

​​​​​​​​Currently, Vietcombank has issued following cobranded credit card products:

• Vietcombank Vietnam Airlines American Express card: is the co-brand card with cooperation of Vietcombank and Vietnam Airlines. The Vietcombank Vietnam Airlines Platinum American Express (Platinum card) provide cardholders many outstanding benefits beside basic features of a co-brand credit card.  
• Vietcombank Vietravel Visa card: is a co-brand card between Vietcombank and Vietravel. Cardholders enjoy benefits from both Vietcombank and Vietravel.
• Saigon Centre – Takashimaya – Vietcombank Visa card: is a co-brand card of Vietcombank and Saigon Center – Takashimaya. Cardholders enjoy benefits from both Vietcombank and Saigon Center – Takashimaya.

​Definition

• ​Credit card: having the feature of “spend first, pay later” within the fixed limit that the bank approved for cardholder; with interest-free period of 45 to 55 days depending on products.
• Debit card: the card is linked with your payment account at the bank. You can use your debit card for making payment or cash withdrawal within the balance in your account. ​
  

​​​​​​​​​Features

+ Credit card:

• Finance initiatives: spend first, pay later, interest free period of 45 to 55 days (depending on credit card product)
• Convenient payment and spending: at merchants or via Internet.
• Eligible for 0% interest instalment program.
• Eligible for exclusive offers and cashback/mileage program.
  

+ Debit card:

• Finance inititative: high spending and cash withdrawal limit, enjoy non-term interest rate at the balance in cardholder's account;
• Convenient and flexible payment at ATM, POS, via Internet and mobile applications.
• Various added value services:
  

       - Fast and convenient bank transfer within Vietcombank system and interbank.

       - Bill payment for electricity bills, telecommunication fee, flight tickets, phone service fee, insurance premium..., mobile top-up, game card top-up…

​​​​​​​Vietcombank is card issuer of best-known card brands including:

• American Express®
• Visa
• Mastercard
• JCB
• UnionPay 
  

​

​In that case, you can contact VCB Customer Contact Center Hotline 24/7 (hotline number printed on the back of your card) or visit any branch/transaction office for support. ​​​​​​​

​if your overall credit limit is still not fully utilised. If not, you can provide documents proving your ability to cover your summited card credit limit (income or collaterals). You can send your credit card change request and the bank will respond promptly whether your request is accepted. 

​​Currently, Vietcombank has issued cobrand credit card products as follows:

• The Vietcombank Vietnam Airlines American Express: is the co-brand card with cooperation of Vietcombank and Vietnam Airlines. The Vietcombank Vietnam Airlines Platinum American Express (Platinum card) provide cardholders many outstanding benefits beside basic features of a co-brand credit card.  

For more ​​details, please click here.

• The Vietcombank Diamond Plaza Visa: is a co-brand card of Vietcombank and Diamond Plaza. Cardholders enjoy benefits from both Vietcombank and Diamond Plaza.

       For more details, please click here​.

• The Vietcombank Vietravel Visa: is a co-brand card between Vietcombank and Vietravel. Cardholders enjoy benefits from both Vietcombank and Vietravel.

 For more details, please click here. 

• The Saigon Centre – Takashimaya – Vietcombank Visa: is a co-brand card of Vietcombank and SAIGON CENTRE – TAKASHIMAYA. Cardholders enjoy benefits from both Vietcombank and SAIGON CENTRE - TAKASHIMAYA.

For more details, please click here. 

Definition

• ​Credit card: the card having the feature of “spend first, pay later” within the fixed limit that the bank set for cardholder; with interest-free period of up to 50 days. If you do not have account at the bank, you are still able to apply for a credit card.
• Debit card: the card connecting with your payment account at the bank. You can use your debit card for making payment or cash withdrawal within the balance in your account. Therefore, in order to apply for debit card, you must have an account opened at the card-issuing bank. ​

​​Features

• Credit card
  • Finance initiatives: spend first, pay later, interest free period of up to 45-50 days (depend on credit card product)
  • Convenient payment and spending: at merchants or online

• Debit card

• • Finance inititative: high spending and cash withdrawal limit, enjoy non-term interest rate at the balance in cardholder's account;
  • Convenient and flexible payment: Cash withdrawal at ATM/merchants and product/service payment at merchants and online.
  • Various added value service

• • • Fast and convenient bank transfer within Vietcombank system and interbank
    • Bill payment for electricity, telecommunication, airline, phone, insurance..., mobile top-up, game card top-up…; 

• American Express®
• Visa
• MasterCard
• JCB
• UnionPay 

​- You can use Vietcombank domestic debit card to withdraw cash by QR code (without using physical card) as long as you have registered and used VCB Digibank service of VCB.

- Please refer to the steps for cash withdrawal by QR code here.

​With the methods of receiving OTP Vietcombank (SMS OTP, Vietcombank Smart OTP), customers can make transactions on VCB Digibank when going abroad.

• For the method of receiving OTP via SMS, you need to register for the international roaming service of the telecom unit.
• For the method of receiving OTP via Smart OTP, you need to register for use, activate the Smart OTP application and have a phone with a guaranteed connection to the Internet.
  

​​​​​​​Therefore, in this case, Vietcombank recommends that you use Vietcombank Smart OTP to receive OTP to avoid having to depend on the quality of the services provided by third parties to provide telecommunications services.

​The transaction confirmation code is the number shown on the screen of VCB Digibank web version when you make financial transactions. You need to enter the transaction confirmation code into the Vietcombank Smart OTP application to get the OTP code generated on the application.​​​​​​​

​SMS OTP: an authentication method in which OTP code is sent via SMS to the Customer's registered phone number for VCB Digibank services..  

​​​​​​​VCB Smart OTP: is an authentication method in which OTP code is generated by applications installed on customers' mobile devices (Smartphone, ipad, tablet ...). Authentication method of VCB Smart OTP includes 2 forms::

• Independent VCB Smart OTP application: to authenticate transactions on the website of VCB Digibank.
• Integrated VCB Smart OTP application: to authenticate transactions on VCB Digibank's mobile application.

​OTP is a one-time password provided by Vietcombank to customers whenever they make a payment transaction on VCB Digibank to identify customers correctly. This password is valid for only one use, so it can ensure customers' safety​​​​​​​

​Please check the Vietnamese typing program / lowercase typing mode (Caps Lock key) on the computer. The program may still turn on and make the process of typing your username / password wrong.​​​​​​​

​You must use Cookies to be able to maintain the session after logging in to the program​​​​​​​

​When there is a problem logging in: You may have to clear your browser's cache. To clear cache, please do as follows (for Internet Explorer):

• Select Tools, select Internet Options;
• Click on General, select Delete Files in Temporary Internet Files, click OK;
• Close and reopen the browser.

When you receive the same error message: You may need to delete cookies on your Web browser in the following way:

• Select Tools, select Internet Options
• Click on General, select Delete Browsing History. Press butoon Delete

​

• In case you have not registered an email to receive notification of results for transactions on VCB Digibank, please visit Vietcombank's transaction offices for assistance.
• In case you have registered for an email notifying you of the result of the transaction on VCB Digibank, you are not required to receive the notification of transaction result, please perform the following check steps:

• Check the email registered with the Bank to ensure the email address is entered correctly (eg email yahoo.com or yahoo.com.vn);
• Check the settings in the mailbox to make sure the email from Vietcombank (vietcombank.com.vn) is not in the list of blocked mail (Spam mail)
• Check in the spam box (Trash / Junk mail) because maybe email notification password is pushed into the spam folder
• Check with your mail server management to make sure mail is not being held on the server (mail server)

• In case of unidentified reason, please contact Vietcombank Customer Service Center at 1900 545413 for Regular customers or 1800 1565 for Priority Customers or the nearest Vietcombank transaction center for get help.

​For your safety reasons, if you log in to the program and within a certain period of time without using the service, the program will notify the time of access. When you receive this notice, you only need to use the correct Username and Password to log in again.

​Currently, the VCB Digibank service is available to all account holders to query general account information

​The feature's favorite function setting helps you to set up frequently used functions and services, to display in an easy-to-see position on the screen, helping you to perform transactions quickly as needed. 

​​​​​​​​You can request Vietcombank for your username / password again at:

- Transaction points of Vietcombank nationwide;

- Contact Vietcombank 24/7 Hotline on 1900 545413 for Regular Customers or 1800 1565 for Priority Customers;

- On the website of VCB Digibank login (applicable to individual customers re-granting password with the condition that their username has not been locked).

​For VCB Digibank services, the phone number you have registered with Vietcombank is the username and the unique service for each Customer. Therefore, you need to select 01 phone number to use as the username of VCB Digibank service.

​Please go to the transaction counter or contact 24/7 Hotline of Vietcombank to register to stop online banking.

​​​​​​​In case of emergency, customers can call Vietcombank Hotline 24/7 at 1900 54 54 13 for regular customers or 1800 1565 for Priority customers to request a temporary service lock.

​You only need to register to use the Digital Banking service of VCB Digibank once and can register at any Vietcombank transaction office.​​​​​​​

​If you have any problems during using the service, you can contact the Hotline 24/7 at 1900545413 for regular customers or 1800 1565 for Priority customers or any Vietcombank branches near for support.​​​​​​​

​Yes, the VCB Digibank service is available 24 hours a day and 7 days a week, including weekends / holidays.​​​​​​​

​​​​​​​​VCB Digibank service is provided to customers who fully meet the following conditions:

• Individual who has payment account at Vietcombank;
• Having a telephone number for registering Vietnam's telecommunication network.
• Having registered for VCB Digibank services at the Vietcombank counters or have made the conversion from VCB - iB @ nking, VCB - Mobile B @ nking or VCBPAY services to VCB Digibank.
• In case you use the VCB Digibank Service on a mobile application, the corresponding mobile device needs to have iOS operating system version 8.0 or higher or Android operating system version 4.1.0 or higher or follow VCB's regulations from time to time.

​With VCB Digibank, through computer equipment, tablets, smartphones, you will experience a smart, fast, anytime, anywhere digital banking transaction journey with many utilities. attractive ... VCB Digibank provides payment products and services to serve all essential life needs of customers.

​For your safety, your VCB Digibank service will be temporarily locked out of access immediately after you have entered your wrong password 05 times in a row. In this case, you need to visit any Vietcombank transaction office to reopen the service.​​​​​​​

​

• VCB Password used for VCB Digibank service must be from 7 to 20 characters in length, including: Lowercase letters, uppercase characters, numeric characters and special characters: @, #, $,%;
• To ensure safety, customers do not set a password with personal information that can be easily guessed by other people such as date of birth, phone number, license plate, name of person, name of person relatives like spouses / children, sequential sequence as simple as 123456 ..., avoid writing passwords on paper or taking notes in other forms;
• You should change your password often (minimum every 3 months)

​For VCB Digibank services, the phone number that you have registered with Vietcombank is the username. In case you change your phone number, please cancel VCB Digibank and re-register with another phone number at any Vietcombank transaction offices nationwide​​​​​​​

​​​​​​​

• The bank requires you to change the login password in your first login within 24 hours after receiving the default password sent by Vietcombank to you.
• To use high-value financial transactions, please register, activate VCB - Smart OTP authentication method provided by VCB at each period and set the corresponding transfer limit..

​​​​​​​

• Please perform the following steps:
• Visit Vietcombank's official website at www.vietcombank.com.vn , select Log in to Digital Banking of VCB Digibank or download Vietcombank application on the application market to mobile devices
• Enter your Username and Password to log into the system.
  

​- Login name of VCB Digibank service is your registered phone number.

- The default password will be sent to the phone number that you have registered in the e-banking registration form and is valid within 24 hours from the time Vietcombank sends the password to you.

​​​​​​​You need to set a new password to ensure the security and confidentiality of your VCB Digibank account.

• ​​​​​​​​Customers can register to use the Digital Banking service of VCB Digibank at any of Vietcombank's transaction offices nationwide.
• When registering to use the service, you need to bring:
  • Original ID card / Passport / Citizen card;
  • Registration form for using electronic banking services.
• To register the service, you need::
  • Complete the service registration form;
  • Accept terms and conditions of provision and use of electronic banking services of Vietcombank.

​In this case, please do:

- Step 1: Request a password reset of VCB -iB @ nking service or VCB Mobile B @ nking in one of the following two ways to start converting to VCB Digibank service:

+ Visit any Vietcombank transaction center nationwide

+ Call Vietcombank Hotline at 1900 545413 for Regular Customers or 1800 1565 for Priority Customers.

- Step 2: You perform the conversion on the website or mobile application of Vietcombank.

​Customers in foreign countries can completely switch to use VCB Digibank service if their mobile device is in roaming mode to receive SMS from Vietcombank​​​​​​​

​You only need to upgrade the Mobile Banking / VCBPAY app (update the app) to the latest version on the app market, enter your VCB - Mobile B @ nking username and password to switch to using VCB Digibank service .​​​​​​​

​You only need to visit Vietcombank's official website at www.vietcombank.com.vn , select Log in to Digital Banking of VCB Digibank, enter your username and password of VCB - iB @ nking to convert to use use VCB Digibank services.​​​​​​​

​Vietcombank Digibank service of Vietcombank can be used anytime, anywhere. If you regularly go abroad and want to make financial transactions, please register Smart OTP authentication method right on VCB Digibank to avoid interruption of transactions due to not receiving OTP SMS from telecom operators informed.​​​​​​​

​- Check payment account information, deposit and loan accounts, credit card information.

- Transfers:

• Vietcombank Internal Transfer
• Vietcombank External Transfer (via State Bank Channel)
• Quick Transfer 24/7 (quick transfer via account/card)
• Transfer to beneficiary to receive cash by ID card/Passport at Vietcombank Counters.
• Transfer charity money to charities.
  

- Bill payment:

• Pay for electricity bills, telecommunications charges (telephone, Internet), train tickets, air tickets, tuition, insurance, hospital fees, insurance, tuition, financial loans
• Pay Domestic tax and Registration tax.
• Social insurance
• Port infrastructure fee
  

- Deposit:

• Mobile topup
• E-topup wallet
• Topup agents
• Deposit to securities corporation.
  

- Saving online:

• Opening / closing savings accounts
• Deposit / Withdrawal of savings accounts
• Register / cancel saving automatically
  

- Card Service:

• Lock / unlock card
• Register / cancel registration for payments on the Internet
• Change the default payment account
• Change spending limits
• Register / unsubscribe OTP Card
• Credit card payment
  

- Utilities: Register for Auto Debit, Phone Banking, E-wallet, Online Investigation ...

- Settings: Proactively select Service Provider, Transaction limit, Authentication method, Wallpaper, Language on demand.

- Calculation support (foreign exchange conversion, savings interest, repayment schedule)

​

VCB Digibank is a new version of digital banking service developed and provided by Vietcombank on the website, mobile banking application so that customers can conduct transactions with the bank anytime and anywhere through Internet connected devices such as computers, tablets, mobile devices…

VCB Digibank is a service that unifies your experience with Vietcombank's current Internet Banking and Mobile Banking services in terms of interface, login information, limits, service fees, features, utilities, and permissions. You seamlessly perform financial transactions and digital utilities of Vietcombank​​​​​​​

​With money transferred in foreign currency and you want to receive by VND, it shall be applied transfer buying exchange rate published at the times your relatives pick up money by the Bank for Foreign Trade of Vietnam.

The service provides 2 methods of receiving money: Vietcombank account deposit and cash pick up at Vietcombank counters. In case the beneficiary does not have an account in Vietcombank, sender could send money with the option of payout "Cash pickup at Vietcombank counters" so, beneficiary could receive money at any Vietcombank counter.

​Customers can call the customer service center 24/7 on: 1900 54 54 13 or 043 8243524 or contact the nearest branch of Vietcombank.

You can get the right kind of currencies that the sender specified, USD or VND

​The beneficiary must have an account in the Bank for Foreign Trade of Vietnam (Vietcombank) in order to receive money from USA via Xoom.

When customers can send money through Xoom, the beneficiary can receive money instantly through Vietcombank account or the beneficiary could come to any Vietcombank branch in working hours to receive money.

The maximum amount that customers can send money depending on the regulations and laws in service of the national bank, state or territory where you live. Besides, depending on the policies and regulations of the company itself every remittance. Currently, the maximum amount to send through Xoom service is up to USD 3,000 or equivalent.

• To limit the errors, customers need to fill in information clearly on remittance form, especially the information about name, ID number, address and account number of the recipient.
• The declared information, customers should fill in Vietnamese without accent.
• Pay attention to spelling and note the letters or numbers can be confusing with each other like the letter A, the letter H and number 4; letter B and number 13; letters C and O; letter G and the number 6 ... etc ... If customers fill in by mistake, do not cross out, ask for a written declaration to the other.
• Customers should keep 01 copies of declarations of money transfer or remittance receipts as proof of the bank if the remittance is malfunctioning.

When coming to agencies, customers must bring identification with photo, e.g: identity card

In addition, customers also need to have accurate information of the recipients (name, address, telephone number and mobile number (if available)), account number (if any), number of ID card/passport.

In addition, depending on the requirements of each money transfer agents and regulations of the United States, customers may be required to add some other necessary documents.

​Your relatives may receive remittance in USD.

It is recommended that you inform the sender upon receiving of the money, if you wish the sender being notified. The bank will inform the sender the status of the remittance upon the sender's request via RIA only. 

Vietcombank has a wide network of branches and transaction offices to make payment to beneficiaries. Simple & fast service helps customers save cost and time. In addition, customers have opportunity to receive many promotions from Vietcombank. You can also use other services of the bank (Savings, deposite into accounts ...).

Your relatives may receive remittance in USD.

​Your relatives do not have to pay any fee to receive money

​After completing the sending procedure at RIA, beneficiary can receive money at VCB's counters during working hours.

​Please visit any RIA agent to make money transfer request.

​The beneficiaries in Vietnam do not have to pay any fee to receive money.

Please call the customer service center 24/7 on: 1900 54 54 13 or 0243 8243524 or contact the nearest branch of Vietcombank.

Beneficiaries may receive remittance in EUR, USD, JPY or VND as appointed by the sender.

The maximum amount that customers can send  depends on the regulations imposed by the national bank, state or territory where you live. In addition, it also depends on the policies of the remittance company that you choose to create your sending every remittance.