# Vietnam (VND) Transaction Data Requirements

The following transaction-level fields apply to all VND payments to Vietnam via NAPAS and the traditional interbank rail.

| Field  | Description  | Required | Type | Constraints  |
|  --- | --- | --- | --- | --- |
| `purposeCode` | Purpose of payment | Required | ENUM | 4–5 chars. See [valid values](#purpose-of-payment-codes) below |
| `sourceOfCash` | Source of funds | Required | ENUM | See [valid values](#source-of-cash-codes) below |
| `receiverRelationship` | Relationship to the debtor | Required | ENUM | See [valid values](#beneficiary-relationship-codes) below; valid values depend on whether the beneficiary is a business or an individual |


## Purpose of payment codes

| Code | Description |
|  --- | --- |
| `ACSC` | Accounting services |
| `ALLW` | Allowance |
| `AMSC` | Advertising, market research, and public opinion polling services |
| `BONU` | Bonus payment |
| `CISC` | Construction and installation services |
| `COMM` | Commission |
| `DEPT` | Deposit |
| `DOFI` | Deposits with or from offshore financial institutions |
| `EDUC` | Education |
| `EDSC` | Education services |
| `ENGS` | Architectural, engineering, and other technical services |
| `FAMI` | Family maintenance |
| `FEES` | Payment of fees |
| `GDDS` | Purchase or sale of goods |
| `GDSV` | Purchase or sale of goods and services |
| `GIFT` | Allowance (gift) |
| `GSPM` | Goods for processing and manufacturing services |
| `GSST` | Goods and services by short-term workers |
| `GSTR` | Goods and services by travellers |
| `HLTC` | Home health care |
| `INTE` | Interest |
| `INTC` | Intra-company payment |
| `INVS` | Investment and securities |
| `IVPT` | Invoice payment |
| `LESC` | Legal services |
| `MACH` | Payment for machinery and transport equipment |
| `MDCS` | Medical services |
| `MFGD` | Payment for manufactured goods |
| `MMFA` | Payment for miscellaneous manufactured articles |
| `MP2P` | Mobile P2P payment |
| `MRSC` | Maintenance and repair services |
| `OTHR` | Others |
| `PAYR` | Payroll |
| `PSFR` | Passenger fare |
| `REAB` | Real estate abroad |
| `RELG` | Rental lease, general |
| `SALA` | Salary payment |
| `SCVE` | Purchase or sale of services |
| `STDY` | Study |
| `SUPP` | Supplier payment |
| `TRAD` | Trade services |
| `VIAC` | Visa application charges |


## Source of cash codes

| Code | Description |
|  --- | --- |
| `ALMY` | Alimony |
| `CASH` | Cash proceeds |
| `COMP` | Compensation |
| `EMIN` | Employee income |
| `GIFT` | Gift |
| `INHE` | Inheritance |
| `INLQ` | Insurance premium liquidation |
| `PACA` | Paid-up capital |
| `REDM` | Redemption |
| `REPY` | Retirement policy |
| `REST` | Real estate sale |
| `RETA` | Retained earnings |
| `SALE` | Sale of goods |
| `SEAQ` | Sale or acquisition of a corporation |
| `SELF` | Self-employment income |
| `SVGS` | Savings |
| `WINS` | Winnings |


## Beneficiary relationship codes

Valid `receiverRelationship` values depend on whether the beneficiary is a business or an individual.

### Business beneficiaries

| Code | Description |
|  --- | --- |
| `BRAN` | Branch/Representative office |
| `CUST` | Customer |
| `FRAN` | Franchisee/Franchisor |
| `HOLD` | Holding company |
| `PART` | Business partner |
| `SUBS` | Subsidiary company |
| `SUPP` | Supplier |


### Individual beneficiaries

| Code | Description |
|  --- | --- |
| `CHIL` | Child |
| `CUST` | Customer |
| `EMPL` | Employee |
| `EXSP` | Ex-spouse |
| `FREN` | Friend |
| `OTHR` | Other |
| `PARE` | Parent |
| `PART` | Business partner |
| `RELA` | Relation |
| `SELF` | Self |
| `SIBL` | Sibling/brother/sister |
| `SPOU` | Covering spouse/partner |
| `VEND` | Vendor |


## Payment limits

| Limit | Amount (VND) |
|  --- | --- |
| Minimum per transaction | 50,000 |
| Maximum per transaction | 499,999,999 |
| Maximum per day, per beneficiary | 24,000,000,000 |


Compliance limit
A transaction is held for review if it would cause the sender or beneficiary to exceed the daily per-beneficiary limit of VND 24,000,000,000.

## Payment rails and settlement times

VND payouts settle over one of two rails, depending on the beneficiary bank (see [Supported bank codes](#supported-bank-codes)):

| Rail | Availability | Settlement time |
|  --- | --- | --- |
| NAPAS | 24/7 | Within 30 minutes |
| Traditional interbank rail | Vietnam business days | T+0 (same Vietnam business day) for transactions received before 4:00 PM (GMT+7); T+1 for transactions received after 4:00 PM (GMT+7) |


## Supported bank codes

All listed banks support B2B, B2B2B, B2C, B2B2C, C2B2B, and C2B2C payments. The issuer code identifies the beneficiary bank for routing. Banks marked **Traditional** settle over the traditional interbank rail and follow its cut-off times; all other banks settle over NAPAS.

| Bank name | Other name | Issuer code | Rail |
|  --- | --- | --- | --- |
| NHTMCP Saigon Tai Loc | SAI GON TREASURE COMMERCIAL JOINT STOCK BANK (Sacombank) | 840001 | NAPAS |
| NHTMCP Cong Thuong Vietnam | VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE (Vietinbank) | 840002 | NAPAS |
| NHTMCP Saigon Cong Thuong | SAIGON BANK FOR INDUSTRY AND TRADE (Saigonbank) | 840003 | NAPAS |
| NHTMCP An Binh | AN BINH COMMERCIAL JOINT STOCK BANK (ABBank) | 840004 | NAPAS |
| NHTMCP Dai Duong | OCEAN COMMERCIAL ONE MEMBER LIMITED LIABILITY BANK (OceanBank) | 840005 | NAPAS |
| NHTMCP Dong Nam A | SOUTHEAST ASIA COMMERCIAL JOINT STOCK BANK (SeABank) | 840006 | NAPAS |
| NHTMCP Dai Chung Vietnam | VIETNAM PUBLIC JOINT-STOCK COMMERCIAL BANK (PVcomBank) | 840007 | NAPAS |
| NHTMCP Xang Dau Petrolimex | PETROLIMEX GROUP COMMERCIAL JOINT STOCK BANK (PG Bank) | 840008 | NAPAS |
| NHTMCP Dau Khi Toan Cau | GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK (GP Bank) | 840009 | NAPAS |
| NHTMCP Dong A | DONGA BANK (Dong A Bank) | 840010 | NAPAS |
| NHTMCP Dau Tu va Phat Trien Vietnam | JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM (BIDV Bank) | 840011 | NAPAS |
| NHTMCP Kien Long | KIEN LONG COMMERCIAL JOINT STOCK BANK (KienLongBank) | 840012 | NAPAS |
| NH Nong Nghiep va Phat Trien Nong Thon Vietnam | VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT (Agribank) | 840013 | NAPAS |
| NHTMCP Ban Viet | VIET CAPITAL COMMERCIAL JOINT STOCK BANK (Vietcapital Bank) | 840014 | NAPAS |
| NH Vietnam Thuong Tin | VIET NAM THUONG TIN JOINT-STOCK COMMERCIAL BANK (VietBank) | 840015 | NAPAS |
| NH Lien Doanh Viet Nga | VIETNAM - RUSSIA JOINT-VENTURE BANK (VRBank) | 840016 | NAPAS |
| NHTMCP Ngoai Thuong Vietnam | JOINT-STOCK COMMERCIAL BANK FOR FOREIGN TRADE OF VIETNAM (VCB) | 840017 | NAPAS |
| NHTMCP A Chau | ASIA COMMERCIAL BANK (ACB) | 840018 | NAPAS |
| NHTMCP Xuat Nhap Khau Vietnam | VIETNAM EXPORT IMPORT COMMERCIAL JOINT-STOCK BANK (Eximbank) | 840019 | NAPAS |
| NHTMCP Tien Phong | TIENPHONG COMMERCIAL JOINT STOCK BANK (TPBank) | 840020 | NAPAS |
| NHTMCP Sai Gon Ha Noi | HANOI COMMERCIAL JOINT STOCK BANK (SHB) | 840021 | NAPAS |
| NHTMCP Phat Trien Thanh Pho HCM | HOCHIMINH CITY DEVELOPMENT JOINT STOCK COMMERCIAL BANK (HDBank) | 840022 | NAPAS |
| NHTMCP Quan Doi | MILITARY COMMERCIAL JOINT STOCK BANK (MBBank) | 840023 | NAPAS |
| NHTMCP Vietnam Thinh Vuong | VIETNAM PROSPERITY JOINT-STOCK COMMERCIAL BANK (VPBank) | 840024 | NAPAS |
| NHTMCP Quoc Te Vietnam | VIETNAM INTERNATIONAL JOINT-STOCK COMMERCIAL BANK (VIB) | 840025 | NAPAS |
| NHTMCP Ky Thuong Vietnam | VIET NAM TECHNOLOGICAL AND COMMERCIAL JOINT-STOCK BANK (Techcombank) | 840026 | NAPAS |
| NHTMCP Phuong Dong | ORIENT COMMERCIAL JOINT STOCK BANK (OCB) | 840027 | NAPAS |
| NHTMCP Quoc Dan | NATIONAL CITIZEN COMMERCIAL JOINT STOCK BANK (NCB) | 840028 | NAPAS |
| NHTNHH MTV Hongleong Vietnam | HONG LEONG BANK VIETNAM LIMITED (HLBVN) | 840029 | NAPAS |
| NHTMCP Lộc Phát Việt Nam | Fortune Vietnam Joint Stock Commercial Bank | 840030 | NAPAS |
| NHTMCP Bac A | Bac A Commercial Joint Stock Bank (BacABank) | 840031 | NAPAS |
| NHTMCP Bao Viet | BAOVIET JOINT STOCK COMMERCIAL BANK (BVB) | 840032 | NAPAS |
| NHTNHH MTV Shinhan Vietnam | SHINHAN BANK VIETNAM LTD (ShinhanVN) | 840033 | NAPAS |
| NHTNHH MTV Public Vietnam | PUBLIC BANK VIETNAM LIMITED (Public Bank VN) | 840034 | NAPAS |
| NHTMCP Saigon | Sai Gon Joint Stock Commercial Bank (SCB) | 840035 | NAPAS |
| Vietnam Maritime Commercial Stock Bank | VIETNAM MARITIME COMMERCIAL JOINT STOCK BANK (Maritime Bank) | 840038 | NAPAS |
| Nam A Commercial Join Stock Bank | NAM A COMMERCIAL JOINT STOCK BANK (NamABank) | 840040 | NAPAS |
| NH Phat Trien VN | VDB | 840044 | Traditional |
| Viet A Bank | VIET A JOINT-STOCK COMMERCIAL BANK (VAB) | 840046 | NAPAS |
| NH Xay Dung VN | CBBank | 840047 | NAPAS |
| Ngân hàng TNHH Indovina | INDOVINA BANK LTD (IVB) | 840049 | NAPAS |
| Woori Bank Vietnam | WOORI BANK VIETNAM LIMITED (WooriBank) | 840051 | NAPAS |
| Standard Chartered Bank Viet Nam Limited | Standard Chartered Bank | 840064 | Traditional |
| United Overseas Bank Viet Nam | UOB Bank | 840066 | NAPAS |
| CIMB Vietnam | CIMB Vietnam | 840120 | Traditional |
| Ngân hàng Đầu tư và Phát triển Campuchia - CN Hà Nội | Bank for Investment and Development of Cambodia | 840121 | NAPAS |
| Ngân hàng BNP Paribas - CN Ha Noi | BNP Paribas Bank - Ha Noi Branch | 840122 | NAPAS |
| Ngân hàng số CAKE (VP BANK) | CAKE by VP BANK | 840123 | NAPAS |
| Ngân hàng Cathay United - CN Ho Chi Minh | CATHAY UNITED BANK - HO CHI MINH CITY BRANCH | 840124 | NAPAS |
| Ngân hàng TNHH MTV DBS - CN HCM | DBS BANK LTD. - HO CHI MINH CITY BRANCH | 840125 | NAPAS |
| Ngân hàng Công nghiệp Hàn Quốc (CN HCM) | INDUSTRIAL BANK OF KOREA - HOCHIMINH CITY BRANCH | 840127 | NAPAS |