Online transactions will be more secured with face authentication

Hassle-free online transactions with face authentication

Pursuant to Decision no. 2345/QĐ-NHNN by the State Bank of Vietnam, ACB has launched biometric face authentication method to improve the security of accounts and online transactions and enable customers to be worry-free with online transfers at high value.

Besides, in accordance with Circular 17, 18/2024/TT-NHNN of the State Bank of Vietnam, effective from January 1st, 2025, all of your online transactions will be banned if you have not completed matching identification documents and biometric information with the bank. Therefore, ACB encourages you register for face authentication with a valid chip-based citizen ID card/ ID card before January 1st, 2025.

Benefits from Face authentication

ENSURE ACCOUNT OWNERSHIP

By comparing biometric data generated from a photo collected through customer’s smart phone with the one on the database of the Ministry of Public Security.

ENHANCE ACCOUNT PROTECTION

Prevent criminals gaining control over customers’ smart phones remotely and then steal money.

INCREASE TRANSACTION LIMIT

No disruptions in case of online transfers and payments at high value.

How is Face authentication different from FaceID?

Face authentication registered on ACB ONE app IS NOT FaceID used for accessing ACB ONE on iOS devices.

Cases requiring face authentication

Customers need to take face photo on ACB ONE app to authenticate transactions in the following cases:

- Transfers, payments or e-wallet top-ups more than VND 10 million per transaction;

- Transactions exceeding the total daily transaction value of VND 20 million;

- When logging in to the ACB ONE app for the first time, or when logging in to the ACB ONE app on a new device other than last time.

Customers who have logged in the latest versions (from 3.26.0) of ACB ONE app on the current device in June 2024 and have not changed the device will not need to carry out the face authentication for account authentication on the current device from July 01, 2024. If customers update to 3.26.0 or newer version of ACB ONE after July 01, 2024, face registration and authentication are required for the first log in.

How to register face authentication

What should be prepared:

- Smart phone that has ACB ONE version 3.26.0 or later installed and is enable to read NFC tags.

- Valid chip-based I.D. card

- Sufficient light and recognizability of the face (no facial mask, no sun-glasses, open eyes and straight head).

- Take off ID card holder and clean the chip surface.

- Take off the phone case and tempered glass (if too thick).

- When the phone displays the notice "NFC feature is not ready" or chip failed after 5 times of scanning, please restart the phone.

Step 1:

Select “More” and “Face authentication”

Step 2:

Tick on the box to agree to terms and conditions and select “Register”

Step 3:

Read instructions on how to take face photo and select “Start”

Step 1:

Select “More” and “Face authentication”

Step 2:

Tick on the box to agree to terms and conditions and select “Register”

Step 3:

Read instructions on how to take face photo and select “Start”

Step 4:

Select “Capture” icon to take face photo following instructions

Step 5:

Read instructions on how to scan chip-based ID card and select “Start”

Step 6:

Start to scan the chip-based ID card following instructions

Step 7:

Check information and select “Confirm”

Step 8:

How to authenticate transaction with face authentication

Case 1: Customers make online transactions on ACB ONE.

Step 1:

Select “Transfer”, “QR code” or “Payment”

Step 2:

Enter transactional information, select “Continue”

Step 3:

Check the information and select "Confirm"

Step 1:

Select “Transfer”, “QR code” or “Payment”

Step 2:

Enter transactional information, select “Continue”

Step 3:

Check the information and select "Confirm"

Step 4:

Enter Safekey PIN

Step 5:

Select “Capture” icon to take face photo following instructions

Step 6:

Select “Enter OTP – Confirm”

Step 7:

Receive successful result

Case 2: Customers make online transactions on other channels other than ACB ONE.

Step 1:

Select notification on new transaction

Step 2:

Enter Safekey PIN

Step 3:

Select “Capture” icon to take face photo following instructions

Step 1:

Select notification on new transaction

Step 2:

Enter Safekey PIN

Step 3:

Select “Capture” icon to take face photo following instructions

Step 4:

Copy OTP code and paste it to other channels

How to authenticate your account when 1st login to ACB ONE app on a new device

Step 1:

Step 2:

Enter information and select “Log in”

Step 3:

Select “Account authentication”

Step 1:

Step 2:

Enter information and select “Log in”

Step 3:

Select “Account authentication”

Step 4:

Enter Safekey PIN

Step 5:

Select “Capture” icon to take face photo following instructions

Step 6:

Select “Enter OTP – Confirm”

Step 7:

Switch to the home screen and complete

Notes about Information security

Customers only register face authentication with chip-embedded I.D. Card on ACB ONE app.

- DO NOT provide biometric data through any unofficial website or application.

- DO NOT open links sent through SMS/social media from unofficial sources or follow instructions from phone scams.

- DO NOT enter username, password and SMS/Safekey OTP on strange websites, except for ACB’s official website at https://online.acb.com.vn or https://business.acb.com.vn.

- DO NOT install unreliable applications.

+ Android: Do not download files through Apk, do not allow Accessibility for applications.

+ iOS: Do not download files through TestFlight, do not install MDM (Mobile Device Management) software.

See tips (3 dos and 3 don’ts) to protect account here.

Contact

Should you have any inquiries or need support, please contact nearby ACB’s offices or call our 24/7 Contact Center at 1900 54 54 86 - (028) 38 247 247.

Kindly register at the ACB branch/ transaction office if any of the following apply to you:

- Device does not have NFC function

- Do not have a chip-based citizen ID card/ ID card

- Customers are not Vietnamese citizens

24/7 Hotline

Search suggestions

Online transactions will be more secured with face authentication

Hassle-free online transactions with face authentication

Benefits from Face authentication

ENSURE ACCOUNT OWNERSHIP

ENHANCE ACCOUNT PROTECTION

INCREASE TRANSACTION LIMIT

How is Face authentication different from FaceID?

Cases requiring face authentication

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Notes about Information security

Contact