BIDV SmartBanking - Mobile banking app

***MODERN INTERFACE - NEW UTILITIES - ELEVATING EXPERIENCE WITH SMARTBANKING NEXT GENERATION***

With the aim of enhancing customer experience, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) introduces the new generation digital banking service SmartBanking with a modern interface and new utilities that allow customers to seamlessly conduct financial transactions and digital services across BIDV's digital banking channels.

Features of BIDV Smart Banking

- Account inquiries (current accounts, savings accounts including accumulated savings account "Growing with love", loan accounts)

- Online products registration (loans, cards)

- Search for ATMs/branches

- Look up exchange rates, interest rates

- Internal fund transfer:

+ Transfer within the same holder's accounts

+ Transfer from other holder's accounts 

+ Transfer from other holder's accounts to domestic debit card number

- 24/7 Fast interbank money transfer

- Domestic money transfer

- Transfer to charitable funds

- QR Pay

- Periodic bill payment/View, Delete periodic payment order, debt release history inquiry.

- Online payment: phone topup, buy scratch card code, pay electricity bills, water bills, airfare, train tickets, television fee, telecommunications fee, recharge e-wallet, pay golf services, logistics, etc.

- Online deposit/withdrawal

- Card services: include the following services:

+ Information inquiry of Domestic debit card/International debit card/Credit card

+ Lock/unlock Domestic debit card/International debit card/Credit card

+ Lock/unlock Online payment and transactions in which International debit card/Credit card is not presented

+ Change the account linked to Domestic debit card

+ Re-activate PIN of Domestic debit card/International debit card/Credit card (from 00am to 4.00am and 10.00pm-0.00am daily, do not activate PIN for Domestic debit card)

+ Credit card balance payment: Allows customers to pay their own credit card balance, including primary and supplementary cards.

- Advanced features:

+ Air ticket booking via VNPAY,

+ Online shopping via VNSHOP

+ Investment management, entertainment+ Chat with users of BIDV Smart Banking.

- Virtual assistant: Allow customers to make following transactions: Transfer money to installed beneficiary, perform payment (electricity, water, telecom, television, e-wallet, etc.) to the saved transaction templates, recharge for phone number saved in phone's contact list via voice.

Registration procedures（mobile bank）

- Option 1: For customers who do not have any current account at BIDV:  please visit your nearest BIDV branch/transaction office for registration. Application: Valid ID card/passport

- Option 2: For customers who have current accounts at BIDV: Please register online at https://ebank.bidv.com.vn/DKNHDT/

- Option 3: Register via Hotline 1900 9247

- Option 4: For customers who have current accounts at BIDV, please register via Bankplus app using their Viettel mobile number (applied to customers who have used or not used Bankplus).

- Option 5: For customers who have current accounts at BIDV: Send text message to 8149 using the syntax: DKBSMS xxx yyy

In which: xxx is the current account number used as fee payment account; yyy is one of the telecommunication networks: VIETTEL, VINAPHONE, MOBIFONE, GMOBILE, VIETNAMOBILE

- Assistance hotline: BIDV's Customer Care Center Hotline: 1900 9247

FAQs

1. What is BIDV Smart Banking?

- BIDV Smart Banking is a smart mobile banking service that allows individual customers to conduct financial, non-financial  transactions and other advanced features provided by BIDV.

- The service is available to all customers using Android, iOS, and Windows-powered smart phones.

2. What is BIDV Smart Banking username? How is BIDV Smart Banking authenticated?

- The username of BIDV Smart Banking is the mobile number registered with the Bank. The username may be the same as the number receiving OTP

- BIDV Smart Banking applies two-factor authentication:

+ The first factor is Username and Password

+ The second factor is the one-time password (OTP)

3. How can I register to use BIDV Smart Banking?

You can register for BIDV Smart Banking service in the following three ways: 

- Register for BIDV Smart Banking at any BIDV branches/transaction offices.

- Register online via app: Customers who have used BIDV Online or Bankplus services, have active status at BIDV and have successfully downloaded the application can register for BIDV Smart Banking on the application by verifying secured information of BIDV Online/Bankplus services, including: Username/registered phone number; BIDV Online Password/ Bankplus PIN; and one-time password (OTP) sent to the customer's registered phone number.

- Register online via website at https://ebank.bidv.com.vn/DKNHDT/. Within 24 hours after submitting online registration, BIDV's Customer Care Center will contact customers for information verification and service activation.

4. Can I use my username and password to log in to BIDV Smart Banking application on different devices?

You can log in to BIDV Smart Banking application on different devices. To ensure safety and security, each time you log in on a device other than the previous login device, the system will send OTP message to your phone number registered to receive OTP. You enter this OTP code to complete login on another device.

# UNIFIED MULTI-CHANNEL EXPERIENCE

- MULTI-CHANNEL INTEGRATION solution, using only 01 login ID (registered phone number) and 01 password across various platforms and devices: web, mobile, smartwatch, and smart keyboard.

- ONLINE REGISTRATION for new services through eKYC (Electronic identification).

- Using biometric technology for continuous logins across mobile platforms.

# CUSTOMIZABLE EXPERIENCE AND INTERFACE CUSTOMIZATION:

- User-friendly and personalized interface with customizable background images, avatars in the application.

- Choose to prioritize functions according to preferences.

# ADVANCED CARD SERVICES:

- Experience new services: CASH WITHDRAWAL AT ATM VIA QR CODE.

- Top-up physical medical cards directly on the application.

# DIVERSE FINANCIAL SERVICE ECOSYSTEM FOR PAYMENTS AND SHOPPING:

Experience modern, fast, and easy financial conveniences with:

- Money transfers, scheduled transfers, online savings, online loan applications and repayments

- Various online bill payment services with over 1000 different providers/types of services.

- Online flight/hotel bookings, online shopping, online reconciliation requests...

# ENHANCED SECURITY:

The new generation SmartBanking meets the security regulations of the State Bank of Vietnam with: Secure logins, transaction security, and especially Smart OTP – high-value transaction authentication method. The application allows customers to secure their accounts through features like Log in from another device/Forgot password eKYC verification. Additionally, with Cross Login technology, when customers log in on the web browser, the system will automatically send a notification to the mobile app to await customer confirmation before allowing successful login.

# FEE POLICIES:

- Starting from 01/01/2022, BIDV waives all transaction fees for transfers within and outside the system, service maintenance fees, default account management fees, OTT message fees, issuance fees, and lifelong annual fees for non-physical cards issued on SmartBanking.

Headquarters: BIDV Tower, 194 Tran Quang Khai, Hoan Kiem, Hanoi.