MOBILE BANKING Service

1. What is Mobile Banking service?    

Mobile Banking is an online banking service through the Bank’s application on mobile phone devices, which allows customers to make bank’s transactions at anywhere with a smartphone or tablet having internet connection.

 

2. What are the conditions to use IVB Mobile Banking?

Until now, IVB has only applied Mobile Banking service for individuals’ customers. To use IVB Mobile Banking services, Customers need:

  1. Having current account at IVB
  2. Having a smartphone/tablet with internet connection (via GPRS/3G/Wifi) and using operation systems such as: IOS, Android, Windows Phone.
  3. Registering IVB Mobile Banking
  4. Installing IVB Mobile Banking application on Smartphone/Tablet

 

3. What are the main features of IVB Mobile Banking?

IVB Mobile Banking allows customers performing as below transactions:

  1. Information inquiry: current account, saving account, loan account
  2. Transaction report
  3. Fund transfer:
  • Normal fund transfer
      • Internal fund transfer
        • Internal fund transfer to account number
        • Internal fund transfer by QR Code
        • Internal fund transfer to ID/Passport number
      • External fund transfer
        • External fund transfer to account number
        • External fund transfer to ID/Passport number
  • NAPAS instant fund transfer 24/7
      • Interbank fund transfer to card number
      • Interbank fund transfer to account number
  1. Open / Close online deposit account / Change renewal method
  2. On / Off cards, On/ Off online payment function of IVB cards
  3. Credit card payments
  4. Bill payments: Electric bills, water bills, telecommunication, television, tuition fees, flight tickets, public services
  5. QR code payments
  6. Top up
  7. Card code purchase
  8. Air tickets, movie tickets purchase
  9. Hotel room booking
  10. Utilities (look-up information, news)
  11. Log in via Fingerprint / Face ID
  12. Transaction authentication via Fingerprint / Face ID, OTP Token, Soft OTP
  13. Online shopping via Vnshop
  14. Prepaid card Topup
  15. View transaction information and cards’ statements: Visa debit, Visa credit
  16. Bank information (Account balances notices and IVB’s promotions, preferential programs)

 

4. Where can I register IVB Mobile Banking?

Customers can register IVB Mobile Banking at any IVB Branches/ Transaction Offices or online register on IVB Internet Banking. For further information, please contact our Customer Service center 1900 588 879.

 

5. My username and Password are number only or alphabet characters? And how many characters in my Password?   

IVB Mobile Banking’s username is your mobile phone number registered at IVB. Customer’s password must contain at least 8 characters including both numbers and alphabet characters.

 

6. Can I register IVB Mobile Banking by 2 different phone numbers?

Currently, Customers can only use 01 Username which is your phone number registered at the Bank for IVB Mobile Banking service.

 

7. How many options can I use to log into IVB Mobile Banking app?

Currently, customers can log into IVB Mobile Banking application by password, however customers also can use fingerprint / Face ID to log-in on the devices that supporting fingerprint / Face ID function.

 

8. How can I download and install IVB Mobile Banking app to my mobile device?

After registering IVB Mobile Banking successfully, Customers will receive confirmation SMS from IVB which includes the instruction to download IVB Mobile Banking app.

After checking mobile device’s Internet connection (3G/GPRS/Wifi), depends on Customers’ mobile devices, Customers can download IVB Mobile Banking app by:

  • For Android devices: Access Google Play, search for “IVB Mobile Banking”, download and install application to the device.
  • For iOS devices (iPhone): Access App Store, search for “IVB Mobile Banking”, download and install application to the device.
  • For Windows Phone devices: Access Windows Store, search for “IVB Mobile Banking”, download and install application to the device.

 

9. What should I do in case I forgot my password?

Please contact Customer Service center 1900 588 879 to request for password resetting

 

10. What should I do in case IVB Mobile Banking service is locked?

Please contact the nearest IVB’s Branches/Transaction Offices to be supported

 

11. What should I do if I lost my phone?

In case of losing your phone, to ensure Customers’ account information security, you need to temporarily lock IVB Mobile Banking account by:

(1) Contact the nearest IVB’s Branches/ Transaction Offices.

(2) Contact IVB’s 24/7 Customer Service center (Hotline: 1900 588 879).

 

12. I successfully logged-into IVB Mobile Banking, however due to some reasons I do not perform for a period, what will happen?

For security reason, Customers’ username will automatically log-out after 5 minutes if there is no action performed on your mobile device. To continue using service, please log in and perform the transaction again.

 

13. What should I do when I want to stop using IVB Mobile Banking service?

Please contact IVB’s nearest Branches/ Transaction Offices to request for “Terminating of IVB Mobile Banking Service”.

 

14. In case I changed my mobile number, can I still use IVB Mobile Banking?

In case you change your mobile number, please contact IVB’s nearest Transaction Offices to update your new mobile number for service remaining.

 

15. Can I use IVB Mobile Banking while I am traveling overseas?

You can use IVB Mobile Banking at anywhere with a smartphone or tablet has accessed to the internet and already registered overseas roaming services.

 

16. What is the maximum transaction amount per day can I use to transfer via IVB Mobile Banking?

Recently, the total transaction amount that customers can use is based on authentication methods such as:

Authentication method

Maximum transaction limit / time

Transaction limit / day

OTP SMS

100,000,000 VND

100,000,000 VND

OTP Token (basic token key)

100,000,000 VND

100,000,000 VND

OTP Token (advanced token key)

500,000,000 VND

1,500,000,000 VND

Soft OTP

500,000,000 VND

1,500,000,000 VND

Fingerprint / Face ID

1,000,000 VND

Share limit with OTP SMS

 

17. Can I pay partially for my bills (ADSL, Telecommunication, Landline) many times on IVB Mobile Banking?

No, customers cannot pay partially for a bill, customers need to pay full value of the invoice.

 

18. What is the fee for IVB Mobile Banking service?

The service fee is VND 7,700/month (VAT included), applied for Customer who already registered IVB Mobile Banking. (This fee may be changed according to IVB’s fee regulations in each period)

 

19. My account is a foreign account, how does IVB charge for service fee?

In this case, the service fee will be charged in foreign currency using exchange rate at the time fee generated.

 

20. After successfully booking air tickets, how can I pay for it?

Customers can choose to pay immediately or pay later after booking finished. With following payment methods, Customers can use as details:

Method 1: Customers input the Payment Code into the payment code board at Ticket Booking function then pay

Method 2:  Customers select Flight booking history of the Ticket Booking function then pay

Method 3:  Customers input Payment Code at Bill Payment function then pay

Method 4:  Customers select the transaction in Bank Information and press Payment button.

 

21. How can I get the electronic invoice of successful payment transactions (flight ticket, movie ticket, hotel room) on IVB Mobile Banking?

You can get electronic invoice by choosing Export Bill at the successful transaction screen, input requested information, and press Confirm button.

 

22. Can I make transaction authenticated by fingerprint / Face ID on IVB Mobile Banking?

Currently, IVB Mobile Banking application supports customer to use fingerprint / Face ID to make transaction with the transaction limits based on IVB’s regulations in each period.  

 

23. What is Soft OTP authentication method?

Soft OTP is an authentication method allowing customers to actively get OTP transaction authentication code which is automatically displayed on application in order to verify online transactions (instead of inputting OTP code through SMS message or OTP Token device), with outstanding features:

    • Safe & secure due is generated by independent authentication system
    • Do not need to input OTP code, shorten transaction time
    • Do not depend on telecommunication’s message

 

24. What should I do if I want to transfer from OTP SMS to Soft OTP authentication method?

After successfully log into IVB Mobile Banking application, select Settings tab => choose Authentication method function => swipe the button at the end of the label “Authenticated by Soft OTP”. Please refers to IVB Mobile Banking service user guide HERE  for more details.

 

25. Which cases does the Soft OTP authentication method need to reactivate?

Case 1: Users log in accounts of IVB Mobile Banking on other devices

Case 2: Users delete and reinstall IVB Mobile Banking application on using devices

Case 3: On the same mobile phone devices, previously another account successfully logged in  

 

26. Can Soft OTP authentication method be used on different mobile devices at the same time?

Soft OTP authentication method is only available on the last activated mobile phone device. After successfully activating on new device, the previous Soft OTP and PIN code will be automatically cancelled on old device. If customers want to reuse Soft OTP on old devices, customers must reactivate it again, so customers should restrict to log in on other devices.

 

27. Can I make transactions with Soft OTP authentication method overseas?

You absolutely can make Soft OTP transactions overseas; and make sure you have successfully activated Soft OTP.

 

28. When authenticating transactions by Soft OTP, application notices Incorrect Soft OTP code, what should I do?

Please contact Customer Service Center 1900 588 879 or the IVB’s nearest Branches/Transaction Offices for assistance. During that time, if you want to make payments, please use other authentication methods by canceling Soft OTP authentication method.

 

29. What should I do if Soft OTP authentication method is locked?

Please contact Customer Service Center 1900 588 879 or the IVB’s nearest transaction offices for assistance. During the time Soft OTP authentication method is locked, IVB Mobile Banking application will be automatically turned back to the previous authentication method so that customers can continue making transactions.

 

30. Besides IVB Mobile Banking application, Can Soft OTP authentication method be used on other transaction channels?

Currently, Soft OTP authentication method is only applied on IVB Mobile Banking application

 

31. Do I have to pay to use Soft OTP?

Soft OTP is free of charge to customers.