Circular No. 37/2026/TT-NHNN of the State Bank of Vietnam amends and supplements certain provisions of Circular No. 04/2025/TT-NHNN on the retention period for banking sector files and records. It specifies the transfer of files and records related to credit institutions and foreign bank branches upon dissolution, bankruptcy, or cessation of operations, and adds groups of files and records that need to be retained in payment and anti-money laundering areas.
적용 범위
Credit institutions, foreign bank branches, payment service providers, the State Bank of Vietnam, the Deposit Insurance Corporation of Vietnam, credit information organizations, and other relevant entities and individuals.
핵심 사항
- Credit institutions and foreign bank branches must transfer files and records regarding the opening and use of payment accounts and e-wallets to the State Bank of Vietnam before the expiration date of their operations or the decision to revoke their licenses.
- The minimum retention period for the aforementioned files and records at the State Bank of Vietnam is five years from the date of receipt.
- Add item number 62.a 'Customer account transaction files' to Section III - Group of files and records in the payment area.
- Amend and supplement the Retention Period Table for Banking Sector Files and Records, specifically items numbered 62 and 255-265.
- Reduce the retention period for files and records in the anti-money laundering area from ten years to five years.
🌐 이 문서의 사회적 영향
- Positive impact: Ensures effective storage and management of files and records, contributing to enhanced anti-money laundering efforts.
- Negative impact: May impose burdens on credit institutions and foreign bank branches in terms of data management and storage.
❓ 자주 묻는 질문
What should credit institutions do when ceasing operations?
Credit institutions and foreign bank branches must transfer files and records regarding the opening and use of payment accounts and e-wallets to the State Bank of Vietnam before the expiration date of their operations or the decision to revoke their licenses.
What is the retention period for the files and records?
The minimum retention period is five years for files and records concerning the opening and use of payment accounts and e-wallets. The retention period for files and records in the anti-money laundering area ranges from ten years to five years.
What responsibilities do credit institutions have regarding electronic data?
Credit institutions must retain electronic data alongside paper files and ensure a minimum retention period of five years.
Which files need to be retained in the payment area?
Credit institutions must retain files on opening and closing customer payment accounts and e-wallets, and customer account transaction files.
What is the retention period for files and records in the anti-money laundering area?
The retention period for files and records in the anti-money laundering area ranges from ten years to five years.
전문
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STATE BANK OF VIETNAM VIETNAM
Number: 37/2026/TT-NHNN
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SOCIALIST REPUBLIC OF VIETNAM Independence - Freedom - Happiness
Hanoi, July 20, 2026 |
CIRCULAR
Amending and supplementing certain provisions of Circular No. 04/2025/TT-NHNN
dated May 15, 2025 on the retention period for records and documents
in the banking sector
Pursuant to the Law on Archives No. 33/2024/QH15;
Pursuant to the Law on the State Bank of Vietnam No. 46/2010/QH12;
Pursuant to the Law on Credit Institutions No. 32/2024/QH15, amended and supplemented by Law No. 96/2025/QH15;
Pursuant to Decree No. 26/2025/NĐ-CP of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam, amended and supplemented by Decree No. 198/2026/NĐ-CP of the Government;
At the proposal of the Director of the Office of the State Bank of Vietnam;
The Governor of the State Bank of Vietnam promulgates this Circular amending and supplementing certain provisions of Circular No. 04/2025/TT-NHNN dated May 15, 2025 of the State Bank of Vietnam on the retention period for records and documents in the banking sector.
Article 1. Supplementing points c and d after point b, Clause 3, Article 3 as follows:
“c) In cases where credit institutions, foreign bank branches, and payment service providers cease operations, go bankrupt, or terminate activities, records and documents regarding the opening and use of settlement accounts, e-wallets, and information, records, documents, and reports as prescribed by laws on anti-money laundering must be transferred to the State Bank of Vietnam in the form of records, documents, and electronic data.
Credit institutions, foreign bank branches, and payment service providers shall complete the transfer before the expiration date of their operating license or before the effective date of the State Bank of Vietnam's decision to revoke the license.
The minimum retention period for these records and data at the State Bank of Vietnam from the date of receipt of the transfer from credit institutions, foreign bank branches, and payment service providers is five years.
d) The provision of information as stipulated in point c of this clause to state agencies and other organizations must ensure compliance with laws on information confidentiality and personal data protection.”
Article 2. Amending and supplementing the Table of Retention Periods for Records and Documents in the Banking Sector
1. Amending and supplementing item number 62 and adding item number 62.a "Customer Account Transaction Records" after item number 62 in Section III - Group of Records and Documents in the Payment Field issued together with Circular No. 04/2025/TT-NHNN with the content prescribed in Appendix I issued together with this Circular.
2. Replacing the content from item number 255 to item number 265 in Section XI - Group of Records and Documents in the Anti-Money Laundering Field issued together with Circular No. 04/2025/TT-NHNN with the content prescribed in Appendix II issued together with this Circular.
Article 3. Implementation Provisions
This Circular takes effect from July 19, 2026.
Article 4. Organization of Implementation
Heads of units under the State Bank of Vietnam, credit institutions, foreign bank branches, Deposit Insurance Corporation of Vietnam, payment service providers, credit information organizations, and related organizations and individuals are responsible for implementing this Circular./.
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Place of Receipt: - As in Article 4; - SBV Leadership; - Government Office; - Ministry of Justice (for verification); - Official Gazette; - Ministry of Information and Communications; - NHNN's electronic portal; - To be filed: VP, PC, VP4 (3b). |
GOVERNOR |
Appendix I
/TT-BCT dated /2026/TT-NHNN July 20, 2026
of the Governor of the State Bank of Vietnam amending and supplementing certain provisions of Circular No. 04/2025/TT-NHNN on the retention period for records and documents
in the banking sector)
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Serial number |
Name of file and record group |
Retention period |
Remarks |
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III. Records and Documents in the Payment Field |
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62 |
Customer Account Opening and Closing Records for Settlement Accounts and E-Wallets |
10 years |
- Including paper records and electronic data. - Retention period starts from the year the settlement account or e-wallet is closed. |
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62.a |
Customer Settlement Account and E-Wallet Transaction Records (Transaction Documents, Payment Orders, Receipt and Payment Documents) |
10 years |
- Including paper records and electronic data; - Retention period calculated from the end of the accounting year. |
Seal Registration Certificate
/TT-BCT dated /2026/TT-NHNN July 20, 2026
of the Governor of the State Bank of Vietnam amending and supplementing certain provisions of Circular No. 04/2025/TT-NHNN on the retention period for records and documents
in the banking sector
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Serial number |
Name of file and record group |
Retention period |
Remarks |
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XI. Records and Documents in the Anti-Money Laundering Field |
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255. |
Suspicious Transaction Reports and Related Records for Anti-Money Laundering, Counter-Terrorist Financing, and Counter-Proliferation of Weapons of Mass Destruction Analysis, Transfer, and Storage by the State Bank of Vietnam. |
10 years |
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256 |
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257 |
System Design Records and Documents for Anti-Money Laundering. |
10 years |
From the year the system ceases operation or is completely replaced |
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258. |
Data Preservation Procedures and Techniques for Anti-Money Laundering. |
10 years |
From the year it expires |
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259. |
Risk Assessment Reports on Money Laundering, Terrorist Financing, and Proliferation of Weapons of Mass Destruction. |
10 years |
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260. |
Internal Control and Audit Reports on Anti-Money Laundering, Terrorist Financing, and Proliferation of Weapons of Mass Destruction. |
10 years |
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261. |
Internal Regulations on Anti-Money Laundering, Terrorist Financing, and Proliferation of Weapons of Mass Destruction. |
10 years |
From the year it expires |
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262. |
Customer Identification Information, Transaction Records. |
5 years |
From the year the transaction ends or the account is closed./Termination of Business Relationship |
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263. |
Results of Analysis and Evaluation of Reporting Entities on Customers and Transactions for Anti-Money Laundering Purposes. |
5 years |
From the year the transaction ends, the account is closed, or the business relationship is terminated. |
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264. |
Other Information, Records, and Documents Related to Customers and Transactions. |
5 years |
From the year the transaction ends, the account is closed, or the business relationship is terminated. |
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265. |
Large Value Transaction Reports, Suspicious Transaction Reports, Electronic Fund Transfer Reports, and accompanying information, records, and documents reported by reporting entities. |
5 years |
From the year the transaction ends, the account is closed, or the business relationship is terminated. |
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