20/02/2024 11:22

What is the ATM card number under the law in Vietnam? What are the common types of bank cards in Vietnam?

INDEX OF THE ARTICLE

I have people ask me about ATM card number but I don't know what it is. Thus, please provide me information regarding this matter. Thanks! Mr. Phu Cuong (Dong Thap).

Hello, Lawnet would like to answer as follows

1. What is the ATM card number under the law in Vietnam?

ATM card number (or bank card number) is a series of 16 or 19 numbers displayed on the card surface, in which each group of numbers will indicate different information. Specifically, the ATM card number will have the following structure:

- First 4 digits: Is the code assigned by the State

- The next 2 digits: Is the bank code of the card issuer

- The next 4 digits: Is the CIF code to identify customer information records.

- The remaining digits: Are randomly assigned codes for customers.

Through ATM card numbers, banks can distinguish between ATM cards on the same system to manage customer transactions more clearly and effectively.

2. List of ATM card number prefixes in Vietnam

Below is a list of ATM card numbers in Vietnam issued by the State

No	Name of card issuer	ATM card number prefix (first 6 numbers)
1	Dong A Commercial Joint Stock Bank	970406
2	National Citizen Commercial Joint Stock Bank	970419
3	Global Petroleum Bank Ltd	970408
4	Bac A Commercial Joint Stock Bank	970409
5	Standard Chartered Bank Limited	970410
6	Saigon Thuong Tin Commercial Joint Stock Bank	970403
7	Saigon Joint Stock Commercial Bank for Industry and Trade	970400
8	Vietnam Public Commercial Joint Stock Bank	970412
9	Ocean Bank Limited	970414
10	Vietnam Technological and Commercial Joint Stock Bank	970407
11	Vietnam Joint Stock Commercial Bank for Industry and Trade	970415
12	Asia Commercial Joint Stock Bank	970416
13	Vietnam Bank for Investment and Development	970418
14	Vietnam Bank for Agriculture and Rural Development	970405
15	Vietnam Russia Joint Venture Bank	970421
16	Military Commercial Joint Stock Bank	970422
17	Tien Phong Commercial Joint Stock Bank	970423
18	Shinhan Vietnam One Member Limited Liability Bank	970424
19	An Binh Commercial Joint Stock Bank	970425
20	Maritime Commercial Joint Stock Bank	970426
21	Viet A Commercial Joint Stock Bank	970427
22	Nam A Commercial Joint Stock Bank	970428
23	Saigon Commercial Joint Stock Bank	970429
24	Petrolimex Petroleum Commercial Joint Stock Bank	970430
25	Vietnam Export-Import Commercial Joint Stock Bank	970431
26	Vietnam Prosperity Joint Stock Commercial Bank	970432
27	Vietnam Thuong Tin Commercial Joint Stock Bank	970433
28	Indovina Bank Ltd	970434
29	Southeast Asia Commercial Joint Stock Bank	970440
30	Joint Stock Commercial Bank for Foreign Trade of Vietnam	970436
31	Ho Chi Minh City Development Joint Stock Commercial Bank	970437
32	Bao Viet Commercial Joint Stock Bank	970438
33	Public Vietnam Bank Limited	970439
34	Mirae Asset Finance Company Limited (Vietnam)	970468
35	Vietnam International Commercial Joint Stock Bank	970441
36	Hong Leong Bank Vietnam Limited	970442
37	Saigon – Hanoi Commercial Joint Stock Bank	970443
38	Orient Commercial Joint Stock Bank	970448
39	MB SHINSEI Finance Company Limited	970470
40	Vietnam Cooperative Bank	970446
41	Kien Long Commercial Joint Stock Bank	970452
42	Lien Viet Postal Commercial Joint Stock Bank	970449
43	KEB HANA Bank - City Branch. Ho Chi Minh	970466
44	Woori Bank Vietnam One Member Limited Liability Bank	970457
45	Ban Viet Commercial Joint Stock Bank	970454
46	CIMB Vietnam One Member Limited Liability Bank	970459
47	Vietnam Construction Bank Ltd	970444
48	Industrial Bank of Korea - Ho Chi Minh Branch	970456
49	Kookmin Bank - City Branch. Ho Chi Minh	970463
50	UOB Vietnam Bank Limited	970458
51	KEB HANA Bank - Hanoi Branch	970467
52	Cement Joint Stock Finance Company	970460
53	Industrial Bank of Korea - Hanoi Branch	970455
54	Kookmin Bank - Hanoi Branch	970462
55	Electricity Finance Joint Stock Company	970469
56	COMMUNITY Finance Company Limited	970464
57	SINOPAC Bank - City Branch. Ho Chi Minh	970465

In there:

+ 9704 is the code assigned by the State

+ The last 2 numbers are the bank code

3. Common types of bank cards in Vietnam

According to Article 3 of Circular 19/2016/TT-NHNN, below is information about some common types of bank cards used in Vietnam.

(1) Credit card

Credit card means a card that authorizes its holder to conduct card transactions within the credit limit granted under the agreement with the card issuer.

(2) Debit card

Debit card means a card that authorizes its holder to conduct card transactions within the amount of money available and overdraft limit (if any) on the payment deposit account of the cardholder opened at a card issuer.

(3) Prepaid card

Prepaid card means a card that authorize its holder to conduct card transactions within the value limit deposited to the card corresponding to the amount of money already prepaid by its holder to the card issuer.

Prepaid cards include: Personalized prepaid card (identifying the cardholder) and anonymous prepaid card (not identifying the cardholder).

(4) Co-branded card

Co-branded card means a card that bears both brand names of a card issuer and an association organization.

The most popular co-branded cards in Vietnam include Visa cards, MasterCard cards,...

Best regards!

- This English translation is for reference purposes only and not a definitive translation of the original Vietnamese texts;
- Articles may be compiled from a variety of sources;
- Applicable Terms may have expired at the time you are reading;
- If you have any questions about the copyright of the article, please contact us via email banquyen@lawnet.vn

Do Minh Hieu

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