TABLE OF STANDARD TRANSACTION LIMITS ON VCB DIGIBANK
FOR INDIVIDUAL CUSTOMERS
I. For Regular Customers
Unit: VND
| No | Service | Minimum limit/ transaction | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Authentication methods | All methods | MPIN | Fingerprint/ Face ID | SMS OTP/Smart OTP | Facepay + SMS OTP | Facepay + Smart OTP | ||||||
| I | Transfer Group | 10 million (Excluding Section 1.1) | 20 million (*) (Excluding Section 1.1) | 1.5 billion (Excluding Section 1.1) | 3 billion (Excluding Section 1.1) | |||||||
| 1 | Transfer | |||||||||||
| 1.1 | Transfer within VCB of the same account holder | 2.000 | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | |||||
| 1.2 | Transfer money to other recipients at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.3 | Transfer money to a recipient at another bank | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.4 | Send gifts to other recipients VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 3 billion | |
| 1.5 | Sending gifts to recipients at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.6 | Future transfers, periodic transfers | 2.000 | Not applicable | Not applicable | Not applicable | Not applicable | 3 billion | 3 billion | ||||
| 1.7 | Quick transfer of money to account | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 3 billion | |
| 1.8 | Quick card transfers | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 3 billion | |
| 1.9 | Transfer money to beneficiaries to receive cash at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.10 | Transfer money to a phone number | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.11 | Charity Transfers | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.12 | Cash transfer at VNPOST | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 1.13 | Make a payment request | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 3 billion | 3 billion | |
| 2 | E-wallet top-up | |||||||||||
| 2.1 | E-wallet topup | According to VCB's regulations with each supplier | Not applicable | Not applicable | According to VCB's regulations for each supplier (up to 10 million VND) | According to VCB's regulations for each supplier (up to 20 million VND) (*) | According to VCB's regulations for each supplier (up to 500 million VND) | According to VCB's regulations for each supplier (up to 500 million VND) | ||||
| II | Foreign Remittance Group | |||||||||||
| 1.1 | Remittance abroad | 1 million | Not applicable | Not applicable | Not applicable | 200 million | 1 billion | 3 billion | 3 billion | |||
| III | Group of payment for goods and services | 5 million | 100 million | 1 billion | 1 billion | |||||||
| 1 | Topup | 5 million | 100 million | 1 billion | 1 billion | |||||||
| 1.1 | Prepaid Mobile phone Topup | 30,000 | Not applicable | 500,000 | 5 million | 500,000 | 20 million | 500,000 | 20 million | 500,000 | 20 million | |
| 1.2 | Agent Topup | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 50 million VND) | According to the supplier's regulations (up to 1 billion VND) | According to the supplier's regulations (up to 1 billion VND) | |||||
| 1.3 | Traffic account topup | Not regulated | Not applicable | 5 million | 5 million | 100 million | 100 million | 100 million | 100 million | 100 million | 100 million | |
| 2 | Payment for goods and services | Not regulated | Not applicable | 5 million | 100 million | 1 billion | 1 billion | |||||
| 2.1 | Bill payment | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 100 million VND) | According to the supplier's regulations (up to 1 billion VND) | According to the supplier's regulations (up to 1 billion VND) | |||||
| 2.2 | Shopping services: Flight tickets, movie tickets, hotel rooms, train tickets, bus tickets, taxis, flower bookings, insurance | Not regulated | Not applicable | |||||||||
| 3 | State budget collection | 5 million | 5 million | 100 million | 1.5 billion | Unlimited | ||||||
| 3.1 | State budget collection (payment of domestic tax, registration tax...) | Not regulated | Not applicable | Not applicable | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | |||
| 3.2 | Social insurance | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | |
| 3.3 | Seaport infrastructure fees | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | |
| 4 | Financial Services | Not regulated | Not applicable | 5 million | 100 million | 1.5 billion | 3 billion | |||||
| 4.1 | Deposit securities | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 100 million VND) | According to supplier regulations (up to 1.5 billion VND) | According to supplier regulations (up to 3 billion VND) | |||||
| 5 | QR Payments | 5 million | 5 million | 100 million | 100 million | 3 billion | ||||||
| 5.1 | QR Billing | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 100 million | 100 million | 3 billion | 3 billion |
| 5.2 | Cross-border QR payment (QR Outbound) | 5 million | 100 million | |||||||||
| 5.2.1 | CPM (Customer Presented Mode) - The customer generates a QR code for the Merchant to scan | In accordance with the regulations of each international payment scheme | Not applicable | Not applicable | 25 million (SMS OTP is not applicable) | 100 million (SMS OTP is not applicable) | Not applicable | Not applicable | ||||
| 5.2.2 | MPM (Merchant Presented Mode) - The merchant generates a QR code for the customer to scan | In accordance with the regulations of each international payment scheme | Not applicable | 5 million | 5 million | 25 million | 100 million | Not applicable | Not applicable | |||
| 5.3 | Other QR | Not regulated | Not applicable | 5 million | 5 million | 50 million | 100 million | 50 million | 100 million | 3 billion | 3 billion | |
| IV | OTHER SERVICE GROUPS | |||||||||||
| 1 | Credit Card Statement Payment | 50 million | 50 million | 100 million | Unlimited | Unlimited | ||||||
| 1.1 | Credit Card Statement Payment | Not regulated | Not applicable | Not applicable | Maximum equal to the outstanding balance/statement amount of the credit card | Not applicable | Not applicable | |||||
| 2 | Term deposits | |||||||||||
| 2.1 | Open a new savings account (for deposit products opened online) | 3 million | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | |||||
| 2.2 | Deposit more savings/Register for savings automatically | 1 million | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | |||||
| 2.3 | Partial withdrawal of savings/Settlement of savings | Not regulated | 50 million | 50 million | 50 million | 50 million | Up to the amount of savings | Not applicable | Not applicable | |||
| 3 | Credit | |||||||||||
| 3.1 | Payment/Settlement loan | Not regulated | Not applicable | Not applicable | Maximum equal to the total payable amount of the loan | Not applicable | Not applicable | |||||
Notes:
- (*) The total accumulated transaction value in the day of implementation of the transfer group using MPIN, FaceID, Fingerprint, SMS OTP, Smart OTP on 01 payment account will be calculated as 0 immediately after that payment account has a transaction successfully authenticated by Facepay + SMS OTP/Facepay + Smart OTP. Accordingly, the maximum transaction limit/day of PTXT SMS OTP can be up to 50 million VND/day, the maximum transaction limit/day of Smart OTP is 3 billion VND/day.
- In case the Customer has logged in to VCB Digibank with FaceID or fingerprint, this transaction will not be applied when making transactions during that login session.
- For futures and periodical transfers:
- All orders are required to authenticate with Facepay.
- On the date of ordering: The transaction amount will not be included in Digibank's transfer limit/day and the limit of authentication method determination.
- On the accounting date: The amount of successful transactions will be included in Digibank's transfer limit/day and the limit for determining the authentication method.
II. For Priority Customers
Unit: VND
| No | Service | Minimum limit/ transaction | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | Maximum limit/ transction | Maximum limit/day | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Authentication methods | All methods | MPIN | Fingerprint/ Face ID | SMS OTP/Smart OTP | Facepay + SMS OTP | Facepay + Smart OTP | |||||||
| I | Transfer Group | 10 million (Excluding Section 1.1) | 20 million (*) (Excluding Section 1.1) | 1.5 billion (Excluding Section 1.1) | 10 billion VND (Excluding Section 1.1) | ||||||||
| 1 | Transfer | ||||||||||||
| 1.1 | Transfer within VCB of the same account holder | 2.000 | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | ||||||
| 1.2 | Transfer money to other recipients at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.3 | Transfer money to a recipient at another bank | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.4 | Send gifts to other recipients VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 10 billion VND | ||
| 1.5 | Sending gifts to recipients at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.6 | Future transfers, periodic transfers | 2.000 | Not applicable | Not applicable | Not applicable | Not applicable | 10 billion VND | 10 billion VND | |||||
| 1.7 | Quick transfer of money to account | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 10 billion VND | ||
| 1.8 | Quick card transfers | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 499.999.999 | 1.5 billion | 499.999.999 | 10 billion VND | ||
| 1.9 | Transfer money to beneficiaries to receive cash at VCB | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.10 | Transfer money to a phone number | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.11 | Charity Transfers | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.12 | Cash transfer at VNPOST | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 1.13 | Make a payment request | 2.000 | Not applicable | 5 million | 5 million | 10 million | 20 million (*) | 500 million | 1.5 billion | 10 billion VND | 10 billion VND | ||
| 2 | E-wallet top-up | ||||||||||||
| 2.1 | E-wallet topup | According to VCB's regulations with each supplier | Not applicable | Not applicable | According to VCB's regulations for each supplier (up to 10 million VND) | According to VCB's regulations for each supplier (up to 20 million VND) (*) | According to VCB's regulations for each supplier (up to 500 million VND) | According to VCB's regulations for each supplier (up to 500 million VND) | |||||
| II | Foreign Remittance Group | ||||||||||||
| 1.1 | Remittance abroad | 1 million | Not applicable | Not applicable | Not applicable | 200 million | 1 billion | 10 billion VND | 10 billion VND | ||||
| III | Group of payment for goods and services | 5 million | 100 million | 1 billion | 1 billion | ||||||||
| 1 | Topup | 5 million | 100 million | 1 billion | 1 billion | ||||||||
| 1.1 | Prepaid Mobile phone Topup | 30,000 | Not applicable | 500,000 | 5 million | 500,000 | 20 million | 500,000 | 20 million | 500,000 | 20 million | ||
| 1.2 | Agent Topup | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 50 million VND) | According to the supplier's regulations (up to 1 billion VND) | According to the supplier's regulations (up to 1 billion VND) | ||||||
| 1.3 | Traffic account topup | Not regulated | Not applicable | 5 million | 5 million | 100 million | 100 million | 100 million | 100 million | 100 million | 100 million | ||
| 2 | Payment for goods and services | Not regulated | Not applicable | 5 million | 100 million | 1 billion | 1 billion | ||||||
| 2.1 | Bill payment | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 100 million VND) | According to the supplier's regulations (up to 1 billion VND) | According to the supplier's regulations (up to 1 billion VND) | ||||||
| 2.2 | Shopping services: Flight tickets, movie tickets, hotel rooms, train tickets, bus tickets, taxis, flower bookings, insurance | Not regulated | Not applicable | ||||||||||
| 3 | State budget collection | 5 million | 5 million | 100 million | 1.5 billion | Unlimited | |||||||
| 3.1 | State budget collection (payment of domestic tax, registration tax...) | Not regulated | Not applicable | Not applicable | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | ||||
| 3.2 | Social insurance | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | ||
| 3.3 | Seaport infrastructure fees | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 1.5 billion | 1.5 billion | Unlimited | ||
| 4 | Financial Services | Not regulated | Not applicable | 5 million | 100 million | 1.5 billion | 10 billion VND | ||||||
| 4.1 | Deposit securities | Not regulated | Not applicable | According to the supplier's regulations (up to 5 million VND) | According to the supplier's regulations (up to 100 million VND) | According to supplier regulations (up to 1.5 billion VND) | According to supplier regulations (up to 10 billion VND) | ||||||
| 5 | QR Payments | 5 million | 5 million | 100 million | 100 million | 3 billion | |||||||
| 5.1 | QR Billing | Not regulated | 5 million | 5 million | 5 million | 5 million | 100 million | 100 million | 100 million | 100 million | 3 billion | 3 billion | |
| 5.2 | Cross-border QR payment (QR Outbound) | 5 million | 100 million | ||||||||||
| 5.2.1 | CPM (Customer Presented Mode) - The customer generates a QR code for the Merchant to scan | In accordance with the regulations of each international payment scheme | Not applicable | Not applicable | 25 million (SMS OTP is not applicable) | 100 million (SMS OTP is not applicable) | Not applicable | Not applicable | |||||
| 5.2.2 | MPM (Merchant Presented Mode) - The merchant generates a QR code for the customer to scan | In accordance with the regulations of each international payment scheme | Not applicable | 5 million | 5 million | 25 million | 100 million | Not applicable | Not applicable | ||||
| 5.3 | Other QR | Not regulated | Not applicable | 5 million | 5 million | 50 million | 100 million | 50 million | 100 million | 3 billion | 3 billion | ||
| IV | OTHER SERVICE GROUPS | ||||||||||||
| 1 | Credit Card Statement Payment | 50 million | 50 million | 100 million | Unlimited | Unlimited | |||||||
| 1.1 | Credit Card Statement Payment | Not regulated | Not applicable | Not applicable | Maximum equal to the outstanding balance/statement amount of the credit card | Not applicable | Not applicable | ||||||
| 2 | Term deposits | ||||||||||||
| 2.1 | Open a new savings account (for deposit products opened online) | 3 million | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | ||||||
| 2.2 | Deposit more savings/Register for savings automatically | 1 million | Unlimited | Unlimited | Unlimited | Not applicable | Not applicable | ||||||
| 2.3 | Partial withdrawal of savings/Settlement of savings | Not regulated | 50 million | 50 million | 50 million | 50 million | Up to the amount of savings | Not applicable | Not applicable | ||||
| 3 | Credit | ||||||||||||
| 3.1 | Payment/Settlement loan | Not regulated | Not applicable | Not applicable | Maximum equal to the total payable amount of the loan | Not applicable | Not applicable | ||||||
Notes:
- (*) The total accumulated transaction value in the day of implementation of the transfer group using MPIN, FaceID, Fingerprint, SMS OTP, Smart OTP on 01 payment account will be calculated as 0 immediately after that payment account has a transaction successfully authenticated by Facepay + SMS OTP/Facepay + Smart OTP. Accordingly, the maximum transaction limit/day of PTXT SMS OTP can be up to 50 million VND/day, the maximum transaction limit/day of Smart OTP is 10 billion VND/day.
- In case the Customer has logged in to VCB Digibank with FaceID or fingerprint, this transaction will not be applied when making transactions during that login session.
- For futures and periodical transfers:
- All orders are required to authenticate with Facepay.
- On the date of ordering: The transaction amount will not be included in Digibank's transfer limit/day and the limit of authentication method determination.
- On the accounting date: The amount of successful transactions will be included in Digibank's transfer limit/day and the limit for determining the authentication method.