Decree No. 18/2026/TT-NHNN Amending and Supplementing Certain Provisions of Decree No. 17/2015/TT-NHNN on the System of Bank Codes Used in Banking Operations, which has been amended and supplemented by Decree No. 18/2023/TT-NHNN and Decree No. 11/2025/TT-NHNN

REGULATING THE USE OF BANKING CODES IN OPERATIONS, BANKING BUSINESS, WHICH HAS BEEN AMENDED AND ENRICHED BY CIRCULAR NO. 18/2023/TT-NHNN AND CIRCULAR NO. 11/2025/TT-NHNN

BASED ON THE LAW OF VIETNAM STATE BANK No. 46/2010/QH12;

BASED ON THE LAW OF CREDIT INSTITUTIONS No. 32/2024/QH15, WHICH HAS BEEN AMENDED AND ENRICHED BY LAW No. 96/2025/QH15;

BASED ON DECREE No. 26/2025/NĐ-CP REGULATING THE FUNCTION, MISSION, POWERS, AND ORGANIZATIONAL STRUCTURE OF VIETNAM STATE BANK;

ACCORDING TO THE PROPOSAL OF THE DIRECTOR OF THE INFORMATION TECHNOLOGY CIRCULAR;

THE GOVERNOR OF THE VIETNAM STATE BANK ISSUES THIS CIRCULAR AMENDING AND ENRICHING SEVERAL ARTICLES OF CIRCULAR NO. 17/2015/TT-NHNN REGULATING THE USE OF BANKING CODES IN OPERATIONS, BANKING BUSINESS, WHICH HAS BEEN AMENDED AND ENRICHED BY CIRCULAR NO. 18/2023/TT-NHNN AND CIRCULAR NO. 11/2025/TT-NHNN.

ARTICLE 1.

AMENDS AND ENRICHES POINT b OF CLAUSE 1, ARTICLE 2

"b) Credit institutions, their subordinate units, foreign branches of commercial banks (hereinafter referred to as foreign branches), foreign bank offices in Vietnam, representative offices of foreign credit institutions, and other foreign entities engaged in banking activities (hereinafter referred to as foreign representative offices); central state treasury and local treasuries;"

ARTICLE 2. ABOLISHES CLAUSE 7 OF ARTICLE 3

ARTICLE 3.

AMENDS AND ENRICHES ARTICLE 9 ARTICLE 9. PROCEDURE AND PROCESS FOR ISSUING BANK CODE

1. For units under the State Bank, when there is a need to issue a bank code, the unit shall submit a written request for issuance of a bank code in accordance with Appendix No. 01 attached to this Circular through the State Bank's Document Management and Administrative System to the Information Technology Department for issuance. 2. Credit institutions, their subordinate units, foreign branches, foreign bank offices, representative offices of foreign credit institutions, within ten working days from the date of receipt of the establishment and operation license (new establishment, merger, consolidation, division, or separation) or operating license or approval document for sufficient conditions to establish, the unit under the State Bank may be assigned a liaison officer to process the issuance of licenses or approval documents and submit information to the Information Technology Department in accordance with technical guidelines provided by the Information Technology Department.

“3. For central state treasuries and local treasuries, when there is a need to issue a bank code, the treasury shall submit an online request for issuance of a bank code on the National Public Service Portal in accordance with Appendix No. 01 attached to this Circular.

4. For other organizations engaged in reporting and exchanging electronic data related to the State Bank, when there is a need to issue a bank code, the unit shall submit an online request for issuance of a bank code on the National Public Service Portal in accordance with Appendix No. 01 attached to this Circular.

5. PROCESS FOR ISSUING BANK CODE:

a) Within three working days from receipt of information, the Information Technology Department shall issue the bank code according to the requests under paragraphs 1 and 2 of this Article and publicly announce the bank code and banking information on the State Bank's Electronic Information Portal in accordance with the provisions of Article 6 of this Circular.

b) Within three working days from receipt of a valid request as stipulated in paragraph 3 and 4 of this Article, the Information Technology Department shall issue the bank code, provide the result to the requesting unit on the National Public Service Portal in accordance with Appendix No. 05 attached to this Circular, simultaneously publicly announcing the bank code and banking information on the State Bank's Electronic Information Portal in accordance with the provisions of Article 6 of this Circular.

c) In case of refusal to issue a bank code, the Information Technology Department shall notify the reasons for refusal to the requesting unit according to the communication method used by the unit to submit the request for issuance.

a) Within three working days from receipt of the information, the Information Technology Bureau shall issue a bank code in accordance with Clauses 1 and 2 of this Article and publicly announce the bank code and banking information on the Electronic Information Portal of the National Bank as provided for in Article 6 of this Circular.

b) Within three working days from receipt of a valid request as provided for in Clause 3 and 4 of this Article, the Information Technology Bureau shall issue a bank code, provide the result to the requesting unit through the National E-Government Service as per Annex No. 05 attached hereto, simultaneously publicly announcing the bank code and banking information on the Electronic Information Portal of the National Bank in accordance with the provisions of Article 6 of this Circular.

c) In case of refusal to issue a bank code, the Information Technology Bureau shall notify the reasons for refusal to the requesting unit through the method used by the unit to submit the request for issuance of the code.

Article 4. Amendment and Addition to Article 10

“Article 10. Procedure and Process for Cancellation of Bank Codes

1. For units under the State Bank, within a period of five working days from the date of cessation of operations, the Personnel Organization Department shall submit a document requesting cancellation of bank codes in accordance with Appendix No. 02 attached to this Circular to the Information Technology Department through the State Bank's Document Management and Administrative System.

2. For credit institutions and foreign branches of banks within a period of five working days from the date of receipt of a decision revoking the license or decisions of merger, consolidation, the unit under the State Bank shall be assigned as the lead to handle the cancellation of licenses, mergers, consolidations, notify the Information Technology Department according to the technical guidelines provided by the Information Technology Department.

For subordinate units of credit institutions, foreign branches of commercial banks, and overseas representative offices of commercial banks within a period of five working days from the date of cessation of operations as reported in the report submitted by the credit institution to the State Bank or from the date when the approval document for establishment ceases to be effective or from the date such subordinate units, foreign branches of commercial banks automatically cease operations and are dissolved, the unit under the State Bank shall be assigned as the lead to handle the cessation of operations or receive reports on the cessation of operations of the subordinate units, foreign branches of commercial banks, notify the Information Technology Department according to the technical guidelines provided by the Information Technology Department.

3. For central and local state treasuries, within a period of ten working days from the date of receipt of the decision terminating operations or when no longer engaged in business activities, transfer electronic data through the State Bank, the state treasury shall implement online cancellation of bank codes on the National Public Service Platform according to Appendix No. 02 attached to this Circular.

4. For other organizations with reporting and electronic data exchange activities related to the State Bank, when there is a need to cancel bank codes, the unit shall submit an online request for cancellation of bank codes on the National Public Service Platform in accordance with Appendix No. 02 attached to this Circular.

5. Processing of Cancellation of Bank Codes:

a) Within three working days from receipt of information, the Information Technology Department shall cancel the bank code according to the information provided under Clauses 1 and 2 hereof and publicly announce the status of the bank code and bank information on the State Bank's Electronic Information Portal in accordance with Article 6 of this Circular.

b) Within three working days from receipt of a valid request under Clause 3 or 4 hereof, the Information Technology Department shall cancel the bank code, provide results to the requesting unit through the National Public Service Platform according to Appendix No. 06 attached to this Circular and simultaneously publicly announce the status of the bank code and bank information on the State Bank's Electronic Information Portal in accordance with Article 6 of this Circular.

c) In case of refusal to cancel the bank code, the Information Technology Department shall notify the requesting unit of the reasons for refusal using the communication method used by the requesting unit to submit the cancellation request.”.

Article 5. Amend and add Article 11a

“Article 11a. Submission of Draft Documents in Cases Involving National Public Services Facing Obstacles

Where a national public service encounters obstacles that prevent its operation, the relevant entities shall submit draft documents prescribed at Clauses 3, 4 of Article 9, Clauses 3, 4 of Article 10, and Clauses 4, 5 of Article 11 of this Circular to the postal service for delivery to the State Bank of Vietnam or directly to the One-Stop Service Window of the State Bank of Vietnam. The process of receiving draft documents shall be carried out in accordance with the Model One of the State Bank of Vietnam. The results of processing shall be sent to the entity that submitted the request and publicly disclosed on the State Bank of Vietnam's Electronic Information Portal as prescribed in Article 6 of this Circular.”

Article 6. Amend and add Clause 1b of Article 12

"1b. The Department of Supervision, Management of Credit Institutions, Regional Branches of the State Bank of Vietnam is responsible for providing information to the Information Technology Bureau as prescribed at Clauses 2 of Articles 9 and 10 of this Circular.”

Article 7. Replace and repeal certain phrases, clauses, articles, and appendices

1.Replace the phrase “State Bank of Vietnam E-Government Portal” with “State Bank of Vietnam Electronic Information Portal” in Clause 6 of Article 11.

2.Replace the phrase “State Bank of Vietnam E-Government Portal” with “National Public Services Portal” at Clauses 2, 3, 4, and 5 of Article 11.

3.Replace Appendix No. 01 with Appendix No. 01 attached to this Circular.

4.Replace the phrase “foreign-owned bank” with “foreign subsidiary bank” in Article 11.

5.Repeal Clause 4, Clauses 5, 6, and 8 of Article 1 of Circular 18/2023/TT; Clauses 2 and 4 of Article 2 of Circular 11/2025/TT-NHNN.

Article 8. Transitional Provisions

1.This Circular takes effect on May 19, 2026.

2.Repeal Clauses 4, 5, 6, and 8 of Article 1 of Circular 18/2023/TT; Clauses 2 and 4 of Article 2 of Circular 11/2025/TT-NHNN.

Article 9. Transitional Provisions

1. Requests submitted by organizations on the State Bank of Vietnam E-Government Portal prior to the effectiveness of this Circular shall continue to be processed by the Information Technology Bureau in accordance with Circular 17/2015/TT-NHNN.

2. In cases where credit institutions, affiliated units of credit institutions, foreign branches, and foreign representative offices have been granted operating licenses or approval documents from the State Bank of Vietnam prior to the effectiveness of this Circular and have not yet received a bank code, they shall submit an online application for a bank code on the National Public Services Portal using Appendix No. 01 attached to this Circular.

Article 10.Responsibilities for Implementation

Heads of units under the State Bank of Vietnam, Treasury Departments, credit institutions, foreign branches of banks, and other organizations responsible for reporting and exchanging electronic data related to the State Bank of Vietnam shall be responsible for implementing this Circular./.

 

 

Appendix No. 01

APPLICATION FOR BANK CODE

(Issued in accordance with Circular …../2026/TT-NHNN dated ………/2026 of the Governor of the State Bank of Vietnam)

Name of the requesting entity)

 

(REPUBLIC OF SOCIALIST REPUBLIC OF VIETNAM Independence - Freedom - Happiness

APPLICATION FOR BANK CODE

 

To: Information Technology Bureau, State Bank of Vietnam

In accordance with the Circular issued by the Governor of the State Bank of Vietnam on the system of bank codes for use in banking operations and transactions.

 

(Name of requesting entity)

…requests the Information Technology Bureau to issue a bank code for the following entities:1. First Entity:

Name of unit (as stipulated in the authorization document):…

Trading name (in English, abbreviated if applicable):…

Address:…

Phone number: …

Email address :…

Type of entity (head office, subsidiary):…

Authorization/license/document approval from the State Bank of Vietnam No. …dated …(for entities requiring an authorization).

Business registration number (if applicable):…

Request for a bank code to be used in business operations according to guidelines in Document No…..of the State Bank of Vietnam.

2. Second Entity

(if applicable): (Similar content as Section 1)

Sincerely thanking you.

........................................................................................................................

LEGAL REPRESENTATIVE

(Signature, name, and seal)

(Signed, with full name and seal)