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making flexible, safe and convenient cashless payments for you

Easy payment

Easy payment at points of sale in Vietnam with Banknet, Smartlink and VNBC.

Simple cash withdrawal

Withdrawal nationwide with extremely low fees

Prompt card issuance

Within 15 minutes after receiving all customers’ documents

Card users

Vietnamese / Foreign individuals aged 18 and over 65, working or settling residing in Vietnam

Special benefits


  • For the first time in Vietnam, customers enjoy free insurance when withdrawing cash at ATMs worldwide;
  • High card safety: card loss does not mean money loss when cardholders notify ACB in due time


  • PROMPT card issuance: within 15 minutes after receiving all customers’ documents;
  • Simple cash withdrawal at over 8,000 ATMs in Vietnam with Banknet, Smartlink and VNBC 
  • Easy payment at points of sale with Banknet, Smartlink and VNBC 
  • Convenient payment of goods and services via the Internet or phone calls;
  • Paying the bills for power supply, water supply, telephone and cell phone services, insurance premiums, cable TV services,... or making fund transfers from card to card, and from card to account … via Customer Service Center 247 of ACB;
  • Customers can deposit money at any time at any ACB branch, or via Home Banking and Mobile Banking, and make automatic deduction from personal accounts at ACB or via Contact Center 247.
  • Customers can make inquiries on card balance via ACB Online service or by SMS texts on cell phones.
  • Round-the-clock consultation and assistance from Contact Center 247


  • Visa cardholders entitled to full enjoyment of ACB interest rates on balance in cards;
  • No required minimum card balance (customers entitled to spend the whole amount in cards)


  • Withdrawing cash at ATM of ACB or Banknet, Smartlink, VNBC's logo nationwide;
  • Accepting payments for goods and services at points of sales of Banknet, Smartlink, VNBC's logo nationwide;
  • Making online payments on websites 
  • Managing card transactions at any time, from anywhere; paying bills of power supply, water supply, telephone services …with services from Contact Center 247, ACB Online, SMS banking…;
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Contact ACB branches to know about criteria and required documents

  • ACB branches nationwide
  • Bankcard Customer service: (08) 38 222 022
  • Bankcard Customer service in Hanoi: (04) 35 667 918
  • Contact Center 24/7: 1900 54 54 86 - (08) 38 247 247 - 1800 57 77 75

Required documents

Application form (download here)

Personal documents (ID/ PPassport, Residence book...)


Submit documents to ACB branches

Submit application form and required documents to ACB branches.

Receive card & PIN

Receive card & PIN at ACB branches 

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