What is Vietcombank SWIFT code?

Vietcombank SWIFT code is BFTVVNVX. The CITAD routing code is 970436. For international wire transfers to a Vietcombank account, provide the sender with BFTVVNVX, your account number, branch name, and full name as it appears on the account.

What is NAPAS in Vietnam?

NAPAS (National Payment Corporation of Vietnam) operates Vietnam's retail interbank payment system. It enables instant transfers between different Vietnamese banks for amounts typically up to 500 million VND. NAPAS is what powers the real-time bank transfer function in Vietnamese banking apps and internet banking systems.

Can I receive international transfers to my MoMo wallet in Vietnam?

Yes. MoMo, Vietnam's largest e-wallet, accepts international transfers via partner services including WorldRemit, Western Union, Remitly, and MoneyGram. The sender uses the recipient's Vietnamese phone number. Monthly receiving limit is 200 million VND. Funds arrive within minutes in most cases.

Vietnam Bank Code Lookup — CITAD, NAPAS & SWIFT Codes | AbokiCalculator

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🇻🇳 VIETNAM BANK CODE LOOKUP

Bank Code Lookup

Vietnam Bank Code Lookup
CITAD, NAPAS & SWIFT

Find CITAD routing codes, NAPAS codes, and SWIFT codes for all SBV-licensed Vietnamese banks. 21 banks including all major state and commercial institutions.

CITAD Code Finder 21 SBV-licensed banks | Digital wallet data included

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CITAD Routing Code

Mã CITAD =

CITAD Code

NAPAS Code

SWIFT / BIC Code

Est. / Bank Type

ℹ️ For international wire transfers to Vietnam, give your sender the SWIFT code + account number + bank name + branch. CITAD and NAPAS codes are for domestic Vietnam transfers only.

What to give your sender for an international wire to Vietnam

Your full name as it appears on the account (in Vietnamese or English)
Bank name:
SWIFT code:
Your account number
Branch name and city
CITAD code (sometimes requested):
Note: large transfers (above ~300M VND) may require SBV reporting documentation

Bank not found This code is not in our database. Verify with the State Bank of Vietnam at sbv.gov.vn.

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Vietnam's Payment Systems: CITAD, NAPAS, and SWIFT Explained

Vietnam operates three distinct payment systems for moving money — each suited to a different type, amount, and urgency of transfer. Understanding which system handles your transfer determines what codes to provide.

CITAD

Chuyển tiền điện tử liên ngân hàng. Vietnam's RTGS (real-time gross settlement) system for large domestic transfers. Operated by the State Bank of Vietnam (SBV). Handles high-value and time-critical interbank transfers.

High-value | Same-day | SBV-operated

NAPAS

National Payment Corporation of Vietnam. Operates the retail interbank payment system for everyday transfers between Vietnamese bank accounts. Powers the "interbank transfer" feature in all Vietnamese banking apps.

Retail | Near-instant | Up to 500M VND

SWIFT

For international wire transfers TO and FROM Vietnam. Uses the SWIFT BIC (8-11 character code). Required for all overseas wires — CITAD and NAPAS codes are not recognised outside Vietnam.

International | 1-3 business days

What Is a CITAD Code in Vietnam?

A CITAD code (Mã CITAD) is a 6-digit numeric identifier assigned by the State Bank of Vietnam to each licensed bank for participation in the CITAD interbank electronic transfer system. CITAD (Chuyển tiền điện tử liên ngân hàng) is Vietnam's RTGS infrastructure, handling high-value and same-day domestic interbank settlements.

All Vietnamese CITAD codes start with 970, followed by three digits identifying the specific bank. For example, Vietcombank's CITAD code is 970436, BIDV is 970418, and VietinBank is 970415. The 970 prefix is consistent across all SBV-licensed banks.

CITAD vs NAPAS: In most Vietnamese banking apps, when you do an "interbank transfer" (chuyển khoản liên ngân hàng), the system uses the NAPAS network for amounts up to 500 million VND. For larger amounts, or when routing requires RTGS settlement, CITAD is used. As a recipient, you rarely need to specify which system — your bank handles the routing automatically.

How to Receive an International Wire Transfer to a Vietnamese Bank

International wires to Vietnam use SWIFT. To receive an international wire into your Vietnamese bank account, give your sender all of the following:

Your full name exactly as it appears on your account (Vietnamese name in full, or Romanised version)
Bank name in English (e.g. Vietcombank, BIDV, VietinBank)
SWIFT/BIC code (e.g. BFTVVNVX for Vietcombank)
Branch name where your account is held
Your account number
CITAD code if the sender's form requests a routing number

How international wires reach Vietnamese banks

International Wire Flow to Vietnam

Sender
(Abroad)

→

SWIFT
Network

→

Correspondent
Bank

→

Vietnam
Bank

→

Your VND
Account

SBV requires reporting for large transfers. Currency conversion from foreign currency to VND handled by receiving bank at prevailing SBV rate.

Important — SBV reporting requirements: Transfers above approximately 300 million VND (roughly $12,000 USD) may trigger SBV documentation requirements at the receiving bank. Recipients may be asked to provide proof of the transfer's purpose (remittance, business payment, export proceeds). Large recurring transfers attract additional scrutiny. This is standard banking compliance — not a problem if the transfer is legitimate.

What Is NAPAS?

NAPAS (Công ty Cổ phần Thanh toán Quốc gia Việt Nam — National Payment Corporation of Vietnam) was established in 2014 to operate Vietnam's interbank retail payment infrastructure. Every time you use Vietnamese internet banking to transfer money to a different bank, the transaction routes through NAPAS.

Per-transaction limit: 500 million VND (approximately $20,000 USD)
Settlement: Near-instant during banking hours (24/7 for card payments)
Cost: Typically 1,100–5,500 VND per transaction (very low)
Coverage: All SBV-licensed commercial banks, most fintech platforms

Note for recipients: When someone sends you money via Vietnamese internet banking, they select your bank from a list and enter your account number — they do not need to know the NAPAS or CITAD code. The codes are used by the banking systems internally for routing.

Digital Banking in Vietnam — MoMo, ViettelPay, ZaloPay

Vietnam has one of Southeast Asia's most dynamic fintech ecosystems, with over 40 million e-wallet accounts. For diaspora sending remittances, digital wallets offer an instant alternative to bank wires for amounts within the wallet limits.

MoMo is Vietnam's largest e-wallet with over 31 million users and accepts international remittances through approved partner services. ViettelPay is backed by Vietnam's largest telco. ZaloPay and ShopeePay are popular for domestic payments but do not currently accept international inbound transfers.

Wallet	Intl Receive	Monthly Limit	Providers	Notes
MoMo	✓ Yes	200M VND	WorldRemit, Western Union, Remitly, MoneyGram	Largest e-wallet in Vietnam. Phone number as recipient ID.
ViettelPay	✓ Yes	100M VND	Western Union, Ria Money Transfer	Linked to Viettel telco. Available to non-Viettel subscribers.
ZaloPay	✗ No	N/A	None	Domestic payments only. Part of Zalo social platform.
ShopeePay	✗ No	N/A	None	E-commerce payments only. No international receive.

Common Mistakes to Avoid

Using CITAD code for international transfers

The CITAD code (e.g. 970436) is not recognised by foreign banks and is useless for international wires. Always provide the SWIFT code (e.g. BFTVVNVX) to overseas senders. If an overseas bank's wire form asks for a "routing number" for Vietnam, enter the SWIFT code — Vietnam does not use routing numbers in the US sense.

Account number format errors

Vietnamese bank account numbers vary by bank — Vietcombank uses 13 digits, BIDV uses 14, VietinBank uses 11. There is no national standard like Nigeria's NUBAN. Always confirm the account number length and format directly with your bank before giving it to a sender.

Name mismatch for large transfers

For international wires above the SBV reporting threshold, the name on the wire must exactly match the bank account holder name. For Vietnamese names, confirm whether to use the full Vietnamese name (e.g. Nguyễn Văn An) or the Romanised version that appears on the account.

Frequently Asked Questions

A CITAD code (Mã CITAD) is a 6-digit numeric code assigned by the State Bank of Vietnam to each licensed bank for participation in the domestic RTGS (real-time gross settlement) interbank payment system. All Vietnamese CITAD codes begin with 970. They are used for domestic large-value transfers within Vietnam. For international wires, the SWIFT code is used instead.

Vietcombank SWIFT code is BFTVVNVX. The CITAD code is 970436. Vietcombank (Bank for Foreign Trade of Vietnam) is Vietnam's most internationally connected bank and the most commonly used for foreign currency inward remittances. For international wires, provide BFTVVNVX, your account number, and your full name as it appears on the account.

For bank wire: give your sender your bank SWIFT code, account number, branch name, and full name. For e-wallet: if using MoMo, the sender can use WorldRemit, Remitly, or MoneyGram with just your phone number. Funds arrive in VND. For amounts above approximately 300 million VND, your bank may require documentation (purpose of remittance). Vietcombank and BIDV are the most internationally-experienced for inbound wires.

NAPAS (National Payment Corporation of Vietnam) operates Vietnam's retail interbank payment network. When you do an internet banking transfer to a different bank in Vietnam, it routes through NAPAS. NAPAS allows near-instant transfers of up to 500 million VND between any two Vietnamese bank accounts. NAPAS codes are the same as CITAD codes for each bank. NAPAS also operates Vietnam's domestic debit card switching system (Napas card).

Yes. MoMo accepts international remittances via approved services including WorldRemit, Western Union, Remitly, and MoneyGram. The sender uses your Vietnamese phone number. Monthly receive limit is 200 million VND (approximately $8,000 USD). Funds arrive in VND to your MoMo wallet within minutes. You can then withdraw to your linked bank account. ViettelPay also accepts international transfers via Western Union and Ria.

Standard SWIFT wire transfers to Vietnamese banks typically take 1-3 business days from the USA, Australia, or Europe. Same-day or next-day arrivals are possible with express wire services. Techcombank and VPBank are known for processing international wires faster than state-owned banks in some corridors. MoMo delivery via WorldRemit or Remitly is usually instant or within hours.

For transfers above approximately 300 million VND (around $12,000 USD), Vietnamese banks may request: (1) purpose of remittance declaration, (2) relationship proof between sender and recipient (for personal remittances), (3) commercial invoice or contract (for business payments). Requirements vary by bank and transfer size. SBV requires banks to report large international transfers as part of anti-money laundering compliance. Bring your ID and the wire transfer details when visiting the bank.

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Vietnam Bank Code Lookup