• Currently, according to the conditions NCB is applying, customers may obtain a housing loan through refinancing and reimbursement for the purchase of a house. The maximum loan term is 25 years by mortgaging the purchased house. The maximum loan amount can depend on the value of the collateral, the loan plan, and your current source of income.
• For consultation and further details, please contact NCB's nearest branch or transaction office nationwide or call (08) 38216216 for instructions.

• Currently, according to the conditions NCB is applying to business loan products, if your clothing business does not have a business license but has been in business for at least 12 months, NCB will agree to grant you a loan to supplement working capital for your clothing business.
• You can get a business loan with a maximum loan term of 60 months, and the maximum loan amount can depend on the value of the collateral, the loan plan, and your current source of income.
• For consultation and further details, please contact NCB's nearest branch or transaction office nationwide or call (08) 38216216 for instructions.

• Currently, according to the conditions NCB is applying to home loan products, you can mortgage real estate that is of your legal ownership or guaranteed by a third party (including your biological father, mother, and children).
• For consultation and further details, please contact NCB's nearest branch or transaction office nationwide or call (08) 38216216 for instructions.

• Currently, NCB offers a passbook loan product for savings accounts opened at NCB. You can obtain a loan and use your own savings account opened at NCB as collateral.
• For consultation and further details, please contact NCB's nearest branch or transaction office nationwide or call (08) 38216216 for instructions.

• Currently, according to the conditions NCB is applying, customers can transfer loans from other banks to NCB and receive attractive preferential loan packages.
• For consultation and further details, please contact NCB's nearest branch or transaction office nationwide or call (08) 38216216 for instructions.

• You will not lose money if you promptly notify (by phone or directly at the transaction counter) the nearest NCB branch.
• NCB is not responsible for any transactions that occur due to the misuse of the lost passbook prior to receiving the customer's report of said loss.

Yes. In this case, customers can carry out procedures to authorize relatives to come to the bank to settle the savings account in two ways:

• Method 1: The customer and their relatives visit NCB to complete authorization procedures under the guidance and witness of NCB officers.
• Method 2: The customer makes a power of attorney and obtains confirmation from a competent authority.

As per the ordinance on foreign exchange management in Vietnam, commercial banks are permitted to sell foreign exchange to personal customers who can substantiate the intended use, which may include funds transferred for educational purposes, medical treatment, or international travel, etc. The sale of foreign currency for the purpose of depositing money at the bank, however, is one of the prohibited transactions. Therefore, customers are advised to deposit savings using their existing foreign currency source in cash or deposit savings in VND at NCB, which offers competitive and attractive products.

When you need to withdraw your savings, you can visit any NCB transaction point in Hanoi to close your savings account. You need to bring your savings account passbook and ID card to withdraw money.

Mobile Banking Service is an online banking service provided through the NCB iziMobile application installed on mobile devices (smartphones, tablets running iOS or Android operating systems). As long as there is an Internet connection, customers can perform financial and non-financial transactions anytime, anywhere, with the highest level of safety and security.

With NCB iziMobile, Customers can perform financial and non-financial transactions, including:

• Financial transactions:
  • Internal transfers within NCB.
  • Interbank transfers.
  • 24/7 Instant transfers and QR code transfers.
  • Opening and closing traditional savings accounts, accumulated savings, additional deposit to cumulate savings, An Phu savings, and flexible principal withdrawal savings.
  • Top-up: phone/e-wallet/EVS securities.
  • Bill payments: electricity, water, ADSL, television cable, tuition payment, etc.
  • QR payments via VNpay.
  • Credit card payments.

• Non-financial transactions:
  • Opening a payment account via the eKYC online customer identification.
  • Card management: lock or unlock a card, register or cancel online transactions, manage card links, and register for credit card auto debit.
  • Account information inquiry: Balance, statement/transaction history of Payment accounts, Savings, Loans, and Cards.
  • Automatic bill payments registration.
  • Opening an account with customized/ lucky account number
  • NCB Branch/ATM/POS locations lookup
  • Exchange rates and interest information, promotional information, and product and service information of NCB.
  • Setting Profile pictures
  • Setting Fingerprint/Face ID
  • Setting Authentication methods
  • Setting notifications via NCB iziMobile
  • Setting card transaction limits and payment account transaction limits

• NCB iziMobile is deployed to provide clients with non-financial and financial services via a cutting-edge technological platform, offering new transactional experiences and enhancing convenience.
• Some notable features of NCB iziMobile:
  • Opening a payment account through the eKYC online customer identification without visiting a branch or transaction office.
  • Setting up and loging in to the application using a fingerprint or FaceID.
  • Setting up and authenticating transactions using fingerprint or FaceID.
  • The interface and placement of functions are researched and designed to best suit the habits of smartphone users.
  • Customers can personalize the application: Profile picture settings.

Customers can use NCB iziMobile on mobile devices (smartphones) running the following operating systems:

• iOS 13.0 or later;
• Android 7.0 or later;

• •  
• If the customer already has an Internet Banking username and password: Simply visit the app store and download NCB iziMobile, install the app, and activate it following the provided instructions. Then immediately log in by entering the username and password registered for Internet banking to perform available transactions.
• If the customer has not used Internet banking services: They can register to use Internet banking and NCB iziMobile at any nearest NCB branch or transaction office quickly and conveniently.
• If the customer does not have information at NCB: They can open an account and use IBMB services using eKYC online identification on the NCB iziMobile application.

NCB has implemented a security system and professional measures to ensure security when using NCB iziMobile:

• Authenticate with user and password or with fingerprint or FaceID.
• Confirm the code when activating and change the password for your initial login to use the service.
• Authenticate financial transactions with a one-time password (OTP).
• Transaction authentication using smart OTP, which is more secure than SMS OTP for large financial transactions.
• The system automatically locks the User after 5 consecutive incorrect password attempts.
• The system automatically logs out after 5 minutes of inactivity.

However, NCB also advises you to keep your username and password information confidential. If you discover or suspect that this information has been disclosed, promptly notify us via the 24/7 Customer Service Hotline at 18006166 to request a timely information lock, preventing any potential misuse.

• To ensure safety, once you've installed the app, the system will send an Activation Code to the registered phone number. Please enter this code according to the instructions to activate the service.
• Following activation, the system will prompt you to set a new Password for your initial login.
• You may change your Password according to the instructions on NCB iziMobile, then use the features provided on the application.

• Transaction limits on NCB iziMobile are determined based on the service package that our customer registers (standard package or premium package) and transaction type (Internal transfer, Interbank transfer, or 247 Quick Transfer).
• For detailed information on the transation limits for each service package, please refer to the website https://www.ncb-bank.vn.

NCB iziMobile's fee policy is reasonable and competitive:

• Free registration
• Maintenance fees: 6,600 VND per month for the standard package and 9,900 VND per month for the premium package.
• No charge for all transfer fees within and outside the NCB system.
• Free bill payments and top-ups.

• Yes, you can. You can use NCB iziMobile on different mobile devices (Smartphones).
• However, in order to safeguard your information, the system may request code authentication upon your initial login on an unfamiliar device.

You can still use NCB iziMobile services when abroad. However, if you use the SMS OTP authentication method, please remember to register for international roaming service for your phone number to receive OTPs to authenticate your transactions. If you use the Smart OTP authentication method, you can activate it in Vietnam and use it abroad without using the registered phone number.

You can still use NCB iziMobile. However, please register the change of your phone number at the nearest NCB branch or transaction office, because the system will still send notifications (if any) and OTPs to the phone number registered on the system.

• When any problem arises, you can immediately contact us via the 24/7 Customer Care Hotline at 18006166 for advice and guidance.
• You can also contact us by accessing the Support section on the NCB iziMobile application to connect the call (free of charge).

Yes, you can. To download and activate NCB iziMobile, go to the app store, complete the installation process, and activate it following the instructions. Then you can use the username (User) and Password you registered for Internet Banking to perform the available transactions.

According to NCB regulations, you are required to change your PIN for the first time before using your Home Debit card.

You can pay off your credit card balance in the following ways:

• Automatic debt deduction: You can register for the automatic debt deduction service from your account and register the debit amount as the minimum or maximum of the entire outstanding balance on your credit card statement.
• Cash remittance: You can visit any NCB transaction point to pay your credit card balance by depositing cash into your credit card.
• Bank transfer/Payment Order: You can conduct a bank transfer/payment order from any bank account to make debt payments to the credit card number opened at NCB.

No, you can use the card immediately after requesting activation from the CallCenter or staffs at NCB's transaction counter to activate it without having to change your PIN the first time.

Please contact 1800 6166/ (028) 38 216 216, or go to the nearest NCB counter for support.

You can visit any NCB transaction point for help to recover your retained card.

You need to lock your card immediately in one of the following ways:

• Lock the card on the iziMobile app (select Card Services > Select the card to lock > Select Lock card).
• Immediately contact Customer Service via the Hotline at 1800 6166/ (028) 38 216 216 or visit the nearest NCB transaction points for support.

In addition to being interest-free for up to 55 days, the NCB Visa credit card has the following attractive features and incentives:

• Maximum cashback of up to 5 million VND per month for valid spending transactions according to NCB regulations.
• Installments with a 0% interest rate. You will only pay a small fee to convert your spending transactions to installments of up to 24 months.
• Discounts on luxury resorts and dining at hotels and restaurants belonging to the Sun Group system.
• And many other attractive offers; please visit www.ncb-bank.vn and access the Hot Offers section for more details.

You can visit any NCB transaction point to request a PIN reissuance or use the PIN generation function right on the iziMobile app.