FAQs list for Cards

The country code is provided by merchant in authorization message sending to Vietcombank and the merchant must provide this information to cardholder doing transaction. For online transaction, this information can be found in merchant information session, terms and conditions or website information. The cardholder should check this information carefully before doing transaction to avoid any unexpected expense.

Overseas local currency transaction fee is the fee applied for VND transactions using Vietcombank international debit card at overseas merchants, rate including VAT is 1.1% on transaction amount.

For international debit cards: Overseas local currency transaction fee is applicable for VND transaction at merchant that having country code different from Vietnam, basing on the merchant country code in authorization message sent to Vietcombank.

Fee rate including VAT is 1.1% on transaction amount.

No, this fee is only applicable for VND transaction with country codes other than Vietnam

The Overseas local currency transaction fee is applicable for VND transaction with country codes other than Vietnam, basing on information sent to Vietcombank by the paying bank, not depending on the physical location.

Overseas local currency transaction fee is applicable for Vietcombank international credit cards and international debit cards, including card products for individual customers, SME customers and corporate customers. Vietcombank

has applied this fee to international credit cards from September 1, 2023 and to international debit cards from January 10, 2025.

When performing an account inquiry transaction on VCB's ATM, customers are required to pay a fee of 500 VND per account inquiry transaction and 500 VND per account statement/inquiry transaction. For more details on the fees for domestic payment cards at VCB, please refer to the updated fee schedule available here.

Transaction at the system	Maximum time to receive complaints from customers (from the transaction date)(*)		Maximum time to respond to the reconciliation result (from the customer's complaint date) (*)
	Domestic debit cards	International debit cards	Domestic debit cards		International debit cards
	ATM/POS	ATM/POS	ATM	POS	ATM/POS
Vietcombank	100	60	7	12	12
Other banks	100	60	7	15	50

(*) Working days 

Customers can perform cash withdrawals using QR code after using the Digibank service without having to carry the physical card.

Step 1: Select "Cash Withdrawal using QR Code" on the Vietcombank ATM.

Step 2: Log in to the VCB Digibank app, select "Cash Withdrawal using QR Code" under "Card Services" => "Other Card Services" => "Cash Withdrawal using QR Code".

Step 3: Place the camera on the QR code area on the ATM screen, and the QR code will be automatically scanned.

Step 4: On the screen, select the source card for cash withdrawal, enter the amount to be withdrawn, and confirm.

Step 5: Enter the PIN of the selected ATM card on the ATM screen.

Step 6: The system verifies the entered PIN, if it is correct, the ATM will withdraw cash and completes the transaction.