User guide (Personal)

VCB – iB@nking USER GUIDE FOR INDIVIUAL

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(FOR INDIVIUAL)


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Content

How to access VCB-iB@nking: www.vietcombank.com.vn ....................................................................................... 3

Login VCB-iB@nking .................................................................................................................................................. 4

Home/ Navigation: ........................................................................................................................................................ 5

Inquiry account ............................................................................................................................................................. 6

Payment ...................................................................................................................................................................... 12

Card management ....................................................................................................................................................... 24

Fixed Deposits ............................................................................................................................................................ 30

Close an account ......................................................................................................................................................... 30

Service registration ..................................................................................................................................................... 31

Support ........................................................................................................................................................................ 33


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How to access VCB-iB@nking: www.vietcombank.com.vn


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Login VCB-iB@nking

Login

To login, you need your means of authorization:

Username

Password

Number: enter characters displayed on the login screen

Forgot password

Please go to any transaction counters of VCB branches

Note

For more information and futher assistance, please contact VCC

(Vietcombank Contact Center): 1900545413 or 04.38243524/

04.38245716 or any Vietcombank branches.


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Home/ Navigation:

Navigation

A – Inquiry area

Inquiry account and card you are using

B – Payments

Implement transactions and manage them.

C – Content

Display the corresponding information for each type of transaction

D – Fixed Deposits

Implement fixed deposits transactions through payment an account

and close an account when necessary.

E – Service registration

You can register extra services provided by VCB.

F – Support:

You use this menu to change password, view user guide or print this

page.


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Inquiry account

Account list

Display your account list, include in:

Saving account

Fixed deposit account

Demand deposit account

Loan account


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Inquiry account

Transaction detail

Select your account to view account detail

Account statement

Choose period time of statement: From date …. To date…..

Note: VCB-iB@nking only provides transaction details for

maximum 03 months. If you would like to get information over

03 months ago, please contact Vietcombank branches.


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Inquiry card

Card list

Display your card list, include in:

Credit card

Debit card

Card Information

Select a card in card list to view card information.

To view other card information, please select other card in list

and click on View button.


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Inquiry card

Card statement:

Display information of transactions which are on selected statement

Please select a card number, a statement period and click on

View button.

To view other card number, or other statement period, please

select in list again and click on View button.

Card transactions:

Display information of transactions which were settled and will be on the

next statement period

Please select a card number and click on View button.

To view information of other transaction, please select other card

in list again and click on View button

Pending transactions:

Display information of transactions which have not been settled yet.

Those are waiting for process of system and will be hold in card limit

temporarily.


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Your first step on the VCB-iB@nking

1. OTP registration

Please choose OTP registration menu to registry a telephone number to

receive OTP sent by Vietcombank

Choose a number receiving OTP

Enter security number and click on Confirm button for a

system sending OTP to number register

Enter OTP, check agreement box, and click on Accept button to

complete the registration


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Your first step on the VCB-iB@nking

2. Set transaction limit

Please select Change transfer quota menu to set the maximum amount

that could be transferred daily.

Select a transfer limit

Check boxes to agree to our Terms and Conditions.

Press Confirm button to set quota.

Choose OTP method, enter security number and click on

Confirm button for a system sending OTP to number register

Enter OTP and click on Accept button to complete the

registration


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Payment

1. Functions

Payment transactions: Select transaction type

Transfer

Card statement payment

Card transfer

Billing payment

Financial service

Topup payment

Tax payment


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Payment

2. Transfer

Transfer to another Vietcombank account

Please select Make a transfer menu and select Transfer to

another VCB account transfer type

Fill in the transfer form and press Confirm button


Accept button for a system sending OTP to number register

Enter OTP, and click on Transfer button to complete the

transaction

Note:

o Debit account: you are not allowed to transfer from joint

accounts

o Credit account: you are not allowed to transfer to the

following accounts

FI accounts

Accounts in foreign currency

Accounts of non-resident foreigners

o You will receive transaction bill on screen and sent via

email.


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Payment

Transfer to another Vietnamese bank’s account

Please select Make a transfer menu and select Transfer to

another Vietnamese bank’s account transfer type

Fill in the transfer form and press Confirm button. Please

choose your bank and branch you want to transfer through 04

criterias

o Bank type

o Bank name

o Province/ City

o Branch name

Base on your information filled, VCB will process it

automatically (post in VCB and send order information to the

beneficiary bank)




transaction

Note:

o Cut-off time: 15h30

Transactions are created before 15:30, Vietcombank

will process the order during the day


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After this time, Vietcombank will debit your

account. The next working day, VCB will be sent

your order information to the beneficiary bank

o Access menu Transfer status for:

You will receive transaction bill on screen.

Check status of your orders


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Payment

Print electronic invoices

You can print Electronic invoice of orders at Transfer status

menu

The program only supports you print these invoices for 10 days

after VCB processed orders successfully.

If you would like to get invoices over 10 days ago, please contact

Vietcombank branches.

Electronic invoices

For transfer invoices: you can print invoices having full

information.

For Local tax payments: beside Transfer slip, you also can print

Deposit slip


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Payment

Transfer status

To check transfer status, you access Transfer status menu

Successful: the order approved and VCB processed

successfull.

Pending: VCB is processing the order.

Rejected: the order is rejected

Error: The program hasn’t updated your order. Please

contact VCC (Vietcombank Contact Center): 1900545413 or

Vietcombank branches

Note:

o You can only view orders created within 10 days.

o You had better to keep billing payment in the case of

verifying with Vietcombank


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Payment

3. Card transfer

Please select Card transfer menu to transfer money to another card

of linked bank

Fill in the card transfer form and press Accept button




transaction

Note:

o Debit account: you are not allowed to transfer from joint

accounts

o Beneficiary card number: apply for the card of the

Bank as stipulated in each period


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Payment

4. Card statement payment

Please select Card statement payment menu to pay expenditures on

your credit cards

Amount

Min amount: the amount should be paid before due date. If not,

you will be charged late payment fee

Statement balance: the amount is displayed on your monthly

Card account statement

Outstanding balance: the amount includes Current Balance and

Pending Statement Balance.

Others: the amount you enter

Payment amount regulations

Total payment amount in 01 statement period on any transaction

channels has to not exceed 500 million VND

Payment amount must not exceed Outstanding balance

In case your refund amount is greater than your billed amount,

you can go to our counters to request the refund.


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Payment

Payment process

Fill in that form and press Confirm button




transaction

Note:

o Cut-off time

Transactions are created before 17:00, Vietcombank will

process the order during the day

After this time, Vietcombank will process the order

during the next working day

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Payment

5. Billing payment

6. Financial service

Please select Billing payment menu to pay the bill payment of

companies in co-operation with Vietcombank





transaction

Please select Financial service menu to pay the bill payment

of companies in co-operation with Vietcombank (Financial,

Assurance, Stock companies …)





transaction


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Payment

7. Local tax payment

Tax payment

For your company: Pay taxes of yourself (The program

automatically display tax number)

For others: You also can pay taxes of other companies

Payment screen

1 - Tax information: is displayed automatically, such as:

company name, Taxation department, correspondent account

(the tax information is provided by Taxation Department).

2 – Tax information: is displayed automatically. If having

no information, please fill in tax information wich you still

would like to pay.

3 – Extra taxes information

You can compensate other taxes beside taxes provided by

Taxation Department

Payment process

Fill in tax form and select tax types needed to pay

Implement this payment as same as Transfer function


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Payment

8. Topup payment

Please select Topup payment menu to implement the topup

payment of companies in co-operation with Vietcombank

(OnePay, VTC, VietPay…)





transaction


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Card management

1. Credit card

Credit card management: please select sevices

Change card limit

Lock card

Unlock card

Register for Internet usage

Unregister for Internet usage

Changing credit daily limit level


Select new daily limit level, check agreement box, and click on


Enter OTP, and click on Confirm button to complete the

transaction

Note:

o If the spending daily limit/withdraw cash in on that you have

chosen more than the current remaining credit limit of the card,

you will only be used within the rest of your card limit.


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Card management

Lock credit card

Please pick “Credit card -> Lock card” menu

Tick box to agree to our Terms and Conditions and press Accept

button to complete lock card

Unlock credit card

Please select card number locked, tick agreement box and press

“Confirm”




transaction

Note:

o Allowing unlock card by the customer locked on VCB-

iB@king only or temporary requested lock card at

branches/VCC


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Payment

Register online card payment

Please select card number, tick agreement box and press

“Confirm”




transaction

Note:

o Only made with Visa, MasterCard, JCB is active.

Lock online card payment

Please select card number need to be lock, tick agreement box

and press “Confirm”




transaction

Note:

o Only made for card registration used on the Internet.


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Card management

2. Debit card

Debit card management: please select services

Lock card

Unlock card

Change account

Lock debit card

Please pick “Debit card -> Lock card” menu

Tick box to agree to our Terms and Conditions and press Accept

button to complete lock card.


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Card management

Unlock debit card

Please select card number locked, tick agreement box and press

“Confirm”



Enter OTP, and press Confirm to complete the transaction

Note:

o Allowing unlock card by the customer locked on VCB-

iB@king only or temporary requested lock card at

branches/VCC.

Change demand deposit account

Please select card number and select another demand deposit

account

Tick agreement box and press “Confirm”



Enter OTP, and press Confirm to complete the transaction

Note:

o Only allow changes account for the Primary A/C and

changes in the accounts of the same 1 CIF, Type TK USD /

VND


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Fixed Deposits

Open an account

Please select Open an account menu to transfer money from

demand deposit account to fixed deposit account on the new open


The order will be checked to display information of

transaction



Enter OTP, and click on Open an account button to

complete the transaction

Note:


email.




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Fixed Deposits

Close an account

Please choose Close an account menu to transfer original

balance and accrual interest to demand deposit


The order will be checked to display information of

transaction



Enter OTP, and click on Open an account button to

complete the transaction

Note:


email.




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Service registration

1. SMS Banking

Registration

Please register for VCB SMS-Banking at an ATM or the nearest counter!

Change account

Transactions allow you to change the default account associated with the

phone in SMS Banking

Please pick “SMS Banking -> Change account” menu

Choose another account, check box to agree to our Terms and Conditions

and press Accept button to complete change

Change phone number

Please pick “SMS Banking -> Change phone number” menu

Enter new phone number, enter security number and click on Accept

button for a system sending OTP to number register

Enter OTP and current password

Check box to agree to our Terms and Conditions and press Accept button

to complete change


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Stop temporarily

Please pick “SMS Banking -> Stop temporarily” menu


to complete stop temporarily

Re-registration

Please pick “SMS Banking -> Re-registration” menu


to complete re-registration

2. Phone Banking

Registration

Please register for VCB Phone-Banking at the nearest counter!


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3. Statements via email

Support

You need to choose account types and language received via your email

Account types you would like to receive statements

Demand deposit

Saving account

Loan account

Languages

Vietnamese

English

Note

In case of changing email, you need to register statements via new email

again

Change password

Please select Change password menu

Enter current password and new password

Enter security number and click on Submit button to complete

change


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For more information and futher assistance, please contact VCC (Vietcombank Contact Center): 1900545413 or

04.38243524/ 04.38245716 or any Vietcombank branches.

Thank you for using services of Vietcombank!

User guide (Personal)

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