• Vietnamese organizations established and operating in accordance with the laws of Vietnam.
• Foreign organizations established and operating in accordance with the laws of the country in which the organization is established.

• Customers can deposit cash or debit from their payment account to transfer money to the recipient, whether or not they have an NCB account
•  Recipients can receive money at any transaction point of NCB or any local bank after the customer completes the money transfer procedures.

• Safe and fast.
• Simple procedure.
• No transfer fee between NCB accounts in the same province/city.
• No transfer limit.

Outgoing money transfers:

• If the sender does not have an NCB account, they can deposit cash at NCB to transfer the money to the recipient (using the deposit slip with payment order).
•  If the sender already has an NCB account, they can use a payment order.

 On the deposit slip or payment order, the sender must provide complete and accurate information about the recipient, including:

• Full name, account number, and bank information of the recipient (if the recipient has an account at the receiving bank).
• Full name, ID card/Passport number, address of the recipient, and bank information of the recipient (if the recipient does not have an account at the receiving bank).

Incoming money transfers:

• If the recipient does not have an NCB account, they can receive the money with a valid ID card or passport and a letter of authorization (in case of receiving on behalf of the recipient).
•  If the recipient already has an NCB account, upon receiving a notice from the transferring bank, NCB will credit the deposit account of the recipient.