This Circular amends and supplements certain articles of Circular No. 22/2015/TT-NHNN concerning the issuance and use of checks, focusing on the registration procedure for white check templates, cash payment when the phrase "into account" is not recorded on the check, and changing certain terms.
适用范围
Commercial banks, policy banks, cooperative banks, branches of foreign banks, people's credit funds, microfinance organizations
要点
- The bank supplying checks must register the white check template with the State Bank (Department of Payment) before printing and providing it to customers (Article 10).
- Within a period of three working days, the State Bank confirms the registration of the white check template by the organization supplying checks (Article 10).
- If the check does not record the phrase "into account," the issuer may make cash payment at designated locations as requested by the payee, except where prohibited by law (Article 21).
- The holder of the check must write their full name and personal identification number or valid passport number on the back of the check when withdrawing cash (Article 21).
- Replace the term "temporary lock" with "seal," and replace "ID card number" with "personal identification number or passport number" in relevant appendices (Article 3).
🌐 本文件的社会影响
- Strengthen management of white check templates to ensure the legality and safety of check issuance and use activities.
- Continue to allow cash payment in certain specific cases, facilitating the lives of individuals and businesses.
- Change terminology to align with current financial and banking regulations.
❓ 常见问题
What must a bank supplying checks do before printing and providing them to customers?
Must register the white check template with the State Bank (Department of Payment) in accordance with regulations.
How long does it take to process the registration application for a white check template?
Within three working days from receipt of a complete valid application.
Under what circumstances can the issuer make cash payment?
When the phrase "into account" is not recorded on the check and requested by the payee, except where prohibited by law.
What must the holder do with the check when withdrawing cash?
Must write their full name and personal identification number or valid passport number on the back of the check.
Which terms are changed in this Circular?
Replace "temporary lock" with "seal," and replace "ID card number" with "personal identification number or passport number."
全文
THE STATE BANK OF VIETNAM
REPUBLIC OF SOCIALIST REPUBLIC OF VIET NAM INDEPENDENCE - LIBERTY - PROSPERITYc
No: 20 /2026/TT-NHNN Hanoi, date 19 month 5 year 2026
CIRCULAR
Amending and Supplementing Certain Articles of Circular No. 22/2015/TT-NHNN
Regulating the Issuance and Use of Checks
Based on the Law on State Bank of Vietnam No. 46/2010/QH12;
Based on the Law on Credit Institutions No. 32/2024/QH15, amended and supplemented by Law No. 96/2025/QH15; Based on the Law on Transferable Securities No. 49/2005/QH11
Based on Decree No. 52/2024/NĐ-CP of the Government on Non-Cash Payment Based on Decree No. 26/2025/NĐ-CP of the Government Regulating Functions, Tasks, Powers and Organizational Structure of the State Bank of Vietnam;
In accordance with the proposal by the Director of the Payment Department;;
THE STATE BANK OF VIETNAM ISSUES THIS CIRCULAR;
amending and supplementing certain articles of Circular No. 22/2015/TT-NHNN
regulating the issuance and use of checks Article 1. Amend and Supplement Article 10 “Article 10. Registration Procedure for White Check Templates.
1. Commercial banks, policy banks, cooperative banks, foreign branches before printing white checks for supply to customers must register the white check templates with the State Bank of Vietnam (Payment Department). The organization supplying checks shall submit one set of registration documents for white check templates in any of the following forms:
a) Submit online through the National E-Government Portal;
b) Send via postal service;
c) Submit directly at the One-Stop Service Counter of the State Bank of Vietnam.
2. The registration documents for white check templates with the State Bank of Vietnam (Payment Department), include:
a) Application for Registration of White Check Templates as per Appendix 08 attached to Circular No. 22/2015/TT-NHNN;
b) Design sample of the white check, including: size, color, detailed elements of the white check;
c) Copy of the business license and operation permit of the organization supplying checks:
The copy of the business license and operation permit of the organization supplying checks must be certified in accordance with the law. In case it is not a certified copy or issued from the original register, the organization supplying checks shall present the original for verification when submitting the application.
The State Bank of Vietnam (Payment Department) shall proactively utilize information available on the specialized database to replace part of the registration documents in processing administrative procedures. In case such information cannot be accessed or is incomplete and inaccurate, the State Bank of Vietnam (Payment Department) requests the organization supplying checks to supplement the registration documents for administrative procedure processing.
3. Within three working days from receipt of a complete set of valid application documents, the State Bank of Vietnam (Payment Department) shall issue a written confirmation regarding the registration of white check templates by the organization supplying checks. In case of refusal, the State Bank of Vietnam (Payment Department) shall respond in writing and specify the reasons.
The State Bank of Vietnam (Payment Department) shall provide the results of administrative procedure processing to the organization supplying checks electronically through the National E-Government Portal online form. In case the organization supplying checks requests it, the results may be sent by paper via postal service or directly at the One-Stop Service Counter of the State Bank of Vietnam.
4. Where documents are submitted online through the National E-Government Portal, electronic documents shall use digital signatures and specialized digital seals to ensure security in accordance with the law on electronic transactions and administrative procedures conducted in an electronic environment.
In case the National E-Government Portal system encounters technical issues or errors preventing receipt, exchange of electronic information, provision of results, the filling out, submission, reception, provision of results, exchange, feedback of information shall be carried out via postal service or directly at the One-Stop Service Counter of the State Bank of Vietnam.
Electronic documents in the application are scanned copies from the original document, in PDF format.”.
In the event that the National E-Government Portal system encounters an incident or error preventing the reception, exchange of electronic information, issuance of results, the submission, sending, receipt, issuance of results, exchange, and feedback of information shall be conducted through postal services or directly at the Single Window Department of the State Bank.
Electronic documents in the electronic file are scanned copies from the original, the main document (in PDF format).
Article 2. Amendment and Supplement to Point b of Clause 1, Article 21
"b) In the case where a cheque does not contain the phrase 'deposit into account', the issuer may make payment in cash at the locations specified in Clause 20 of this Circular upon the request of the payee, except where the law provides that such payment shall not be made in cash.
The person receiving cash must write their full name, personal identification number or valid passport number on the back of the cheque;"
Article 3. Amendment and Supplement to Phrases at Point b of Clause 2 and Clause 4, Appendix Attached to Circular No. 22/2015/NHNN
1. Replace the phrase "temporary lock" with the phrase "seal".
2. Replace the phrase "ID card number" with the phrase "personal identification number or passport number" in Appendices 01b, 03, 04, 05, 06 and 07.
Article 4. Implementation Responsibility
The heads of units under the State Bank, commercial banks, foreign bank branches, policy banks, cooperative banks, credit cooperatives, microfinance funds shall be responsible for organizing the implementation of this Circular.
Article 5. Enforcement Clause
This Circular shall come into force on July 4, 2026.
Article 6. Transitional Provisions
Organizations supplying cheques that have already printed white cheques for supply to customers may continue to use the printed white cheques until there is a need to change the white cheque template.
原始文件（PDF）
关系图
点击文件即可打开。红色边框＝改变效力的关系。