# VietQRCash

> Source: https://docs.barcoder.ai/docs/standards/vietqrcash
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [VietQRCash — NAPAS](https://en.napas.com.vn/cash-withdrawal-service-via-vietqr-code-vietqrcash-184230829204909787.htm)

## Overview

**VietQRCash** is **Vietnam's cardless ATM cash-withdrawal service via VietQR code** — built on **NAPAS** (National Payment Corporation of Vietnam) infrastructure + **VietQR national QR-payment standard** <sup>[1][1], [2][2], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>. VietQRCash enables **customers to conduct ATM cash withdrawal without NAPAS cards** through **transactions done quickly, safely + securely by mobile banking applications**. The service launched as **part of NAPAS's broader VietQR ecosystem** alongside VIETQRPay (domestic transfers) + VIETQRGlobal (cross-border settlement) — defining Vietnam's QR-payment-infrastructure trinity.

The structural significance: NAPAS handles **15 million VietQR transactions daily** with **VND 40+ trillion ($1.54B) annual transaction value** — substantial scale. **Vietnamese street vendors going cashless with QR payments soaring 85%** illustrates Vietnam's rapid QR-payment adoption. **2025 NAPAS QR upgrade** standardised QR-based retail payment services + laid foundation for cross-border transactions. **December 2025 China-Vietnam cross-border QR launch** enables **Chinese tourists to scan VIETQRGlobal codes at Vietnamese acceptance points** (shopping malls, retail stores, tourist attractions, restaurants). **Early 2026 NAPAS + UnionPay International outbound payment connectivity** will enable **Vietnamese users to scan QR codes at UnionPay merchants in China** — completing bidirectional cross-border integration. VietQRCash specifically extends the QR-payment-rail to **cardless ATM cash access** — addressing markets where physical cash remains important alongside digital payments.

## History

**Background — Vietnamese payment landscape** <sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>:
- **State Bank of Vietnam (SBV)** — central bank.
- **NAPAS** (National Payment Corporation of Vietnam) — national payment-system operator.
- **Vietnam Banks Association (VBA)** — bank industry body.
- **VietQR** national QR-payment standard.

**VietQR launch by NAPAS + Vietnam Banks Association** <sup>[1][1]</sup>:
- Standardized QR for bank-to-bank transfers.

**VietQRCash launch** <sup>[2][2]</sup>:
- ATM cash withdrawal via VietQR code.

**NAPAS FastFund 247 with VietQR Code Service** <sup>[3][3]</sup>:
- Real-time interbank-fund transfers.

**Early 2025 — NAPAS QR upgrade** [[vneconomy]]:
- Standardised retail QR + foundation for cross-border.

**By 2025 — 15M daily transactions / VND 40T+ annual** [[vneconomy]]:
- Substantial scale.

**Vietnamese street-vendor QR adoption: +85%** [[vplus]]:
- Rapid grassroots adoption.

**December 2025 — China-Vietnam cross-border QR launch** <sup>[5][5]</sup>:
- VIETQRGlobal for Chinese tourists in Vietnam.

**Early 2026 — NAPAS × UnionPay outbound completion** <sup>[5][5]</sup>:
- Vietnamese users at UnionPay merchants in China.

## Technical specification

VietQRCash is **NAPAS-operated cardless ATM cash-withdrawal via VietQR code** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **NAPAS** (National Payment Corporation of Vietnam) |
| **Standard** | **VietQR** + **VietQRCash** + **VIETQRPay** + **VIETQRGlobal** trinity |
| **Currency** | VND (Vietnamese đồng) |
| **VietQR daily transactions** | 15 million |
| **Annual transaction value** | **VND 40+ trillion ($1.54B)** |
| **VietQRCash use** | Cardless ATM cash withdrawal |
| **Mobile banking app integration** | NAPAS member banks |
| **Cross-border** | China (Dec 2025), UnionPay outbound (early 2026) |

**VietQR ecosystem trinity** [[vneconomy]]:
- **VIETQRPay** — domestic transfers.
- **VIETQRGlobal** — cross-border settlement.
- **VietQRCash** — cardless ATM withdrawal.

## Use cases

**Cardless ATM cash withdrawal** <sup>[2][2]</sup>: Cardinal — VietQRCash's specific use.

**Mobile-banking-app initiated ATM access** <sup>[2][2]</sup>: No physical card required.

**Domestic transfers (VIETQRPay)** <sup>[1][1]</sup>: Bank-to-bank.

**Cross-border tourist payments (VIETQRGlobal)** <sup>[5][5]</sup>: Chinese tourists in VN.

**Outbound Vietnamese-user payments at UnionPay merchants** <sup>[5][5]</sup>: Early 2026.

**Street-vendor + small-merchant QR acceptance** [[vplus]]: +85% growth.

## Implementations & ecosystem

**Operator**: **NAPAS** (Vietnam national payment-system operator).

**Standard development**: **NAPAS + Vietnam Banks Association**.

**Regulator**: **State Bank of Vietnam (SBV)**.

**Major participating banks**: Vietcombank, BIDV, VietinBank, Agribank, Techcombank, MB Bank, ACB, others.

**International partners**: UnionPay International (China), Alipay (cross-border).

## Fun facts

- **15M daily VietQR transactions / VND 40T+ ($1.54B) annual**: Substantial scale.
- **Vietnamese street vendors +85% QR growth**: Rapid grassroots adoption.
- **VietQR trinity (VietQRPay + VIETQRGlobal + VietQRCash)**: Comprehensive QR-payment ecosystem.
- **Cardless ATM withdrawal innovation**: VietQRCash distinctive.
- **December 2025 China-Vietnam cross-border QR launch**: Major bilateral milestone.
- **Early 2026 NAPAS × UnionPay outbound completion**: Bidirectional integration.
- **NAPAS + Vietnam Banks Association partnership**: Industry-collaboration model.
- **Early 2025 NAPAS QR upgrade**: Standardised retail QR + cross-border foundation.

## Comparison

| Feature | VietQRCash / VietQR (VN) | [Thai QR](https://docs.barcoder.ai/docs/standards/thai-qr) / PromptPay (TH) | [QRIS](https://docs.barcoder.ai/docs/standards/qris) (ID) | [KHQR](https://docs.barcoder.ai/docs/standards/khqr) (KH) | UPI (IN) |
|---|---|---|---|---|---|
| Operator | NAPAS + VBA | BOT + banks | BI + ASPI | NBC | NPCI |
| Type | **National QR + cardless ATM (VietQRCash) + cross-border (VIETQRGlobal)** | National QR + ISO 20022 + EMVCo | National QR | National payment + QR | UPI national instant payment + QR |
| Daily transactions | **15M (VietQR)** | n/a | High | n/a | 540M+ (May 2025) |
| Annual value | **VND 40T+ ($1.54B)** | n/a | High | n/a | High |
| Cross-border | **CN (Dec 2025), UnionPay outbound (early 2026)** | 8+ links | Multi | KH-TH-LA-VN-MM | Multi |

## Status

**Active, expanding cross-border** <sup>[1][1], [2][2], [5][5]</sup>:
- **NAPAS operator**.
- **VietQR + VietQRCash + VIETQRPay + VIETQRGlobal trinity**.
- **15M daily VietQR transactions / VND 40T+ annual**.
- **December 2025 China cross-border QR launch**.
- **Early 2026 NAPAS × UnionPay outbound completion**.

## Sources

[1]: https://en.napas.com.vn/napas-fastfund-247-with-vietqr-code-service-184230612220807776.htm "NAPAS FastFund 247 with VietQR — NAPAS"
[2]: https://en.napas.com.vn/cash-withdrawal-service-via-vietqr-code-vietqrcash-184230829204909787.htm "VietQRCash — NAPAS"
[3]: https://en.napas.com.vn/napas-coordinated-with-banks-to-organize-the-event-vietqrcash-launching-ceremony-184230810160729473.htm "VietQRCash launching ceremony — NAPAS"
[vneconomy]: https://en.vneconomy.vn/opportunities-for-qr-payment-growth.htm "Opportunities for QR payment growth — VNEconomy"
[vplus]: https://en.vietnamplus.vn/vietnamese-street-vendors-go-cashless-as-qr-payments-surge-85-post334216.vnp "Vietnamese street vendors +85% — Vietnam Plus"
[5]: https://technode.global/2025/12/03/china-and-vietnam-launch-cross-border-qr-payment-program/ "China-Vietnam cross-border QR launch — TechNode"

- [1] [NAPAS FastFund 247 with VietQR — NAPAS][1]
- [2] [VietQRCash — NAPAS][2]
- [3] [VietQRCash launching ceremony — NAPAS][3]
- [vneconomy] [Opportunities for QR payment growth — VNEconomy][vneconomy]
- [vplus] [Vietnamese street vendors +85% — Vietnam Plus][vplus]
- [5] [China-Vietnam cross-border QR launch — TechNode][5]
- <sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup> `reports/countries/VN-vietnam.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **VN** — [VN-vietnam.md](https://docs.barcoder.ai/docs/payments/VN)