# ACB (Asia Commercial Bank)

> Source: https://docs.barcoder.ai/docs/wallets/acb-vietnam
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [ACB — official](https://acb.com.vn/)

## Overview

**ACB (Asia Commercial Bank Vietnam)** is **one of Vietnam's largest private commercial banks by assets** + **ACB ONE distinctive Vietnamese banking app** <sup>[1][1], [2][2], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>. **2025 baseline**: ACB ONE + ACB ONE Biz Vietnamese banking apps; ACB Vietnamese private commercial bank "Ngân hàng của mọi nhà" ("Bank for every household").

**Distinctive ACB positioning** <sup>[1][1], [2][2], [3][3]</sup>:
- **One of Vietnam's largest private commercial banks by assets**
- **ACB ONE distinctive Vietnamese banking app** + ACB ONE Biz Vietnamese business banking app
- **"Ngân hàng của mọi nhà" ("Bank for every household")** distinctive Vietnamese banking positioning
- **1993 ACB founding** as one of Vietnam's earliest private commercial banks (post-Vietnamese banking commercialization)
- **2006 ACB HOSE IPO**

## History

**Jun 4 1993 — Asia Commercial Bank founded** in Ho Chi Minh City, Vietnam → distinctive Vietnamese private commercial banking heritage.

**2006 — ACB IPO on HOSE (Ho Chi Minh Stock Exchange)**.

**2015 — ACB ONE mobile banking app launches**.

**2025 — ACB ONE + ACB ONE Biz Vietnamese banking apps** <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **Asia Commercial Joint Stock Bank (ACB; HOSE: ACB)**.

**Major shareholders**: **Vietnamese founding shareholders + Vietnamese institutional + Vietnamese retail public float + foreign institutional**.

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

## Technical integration

ACB ONE mobile banking app (iOS + Android) + ACB ONE Biz business banking app + acb.com.vn online + ACB cards (Visa + Mastercard + NAPAS) + ACB Vietnamese branch network; VietQR + NAPAS 247; ACB retail + private + corporate + SME + investment banking; **"Ngân hàng của mọi nhà"** distinctive Vietnamese banking positioning.

## Users & growth

**2025**: ACB ONE + ACB ONE Biz Vietnamese banking apps; one of Vietnam's largest private commercial banks by assets.

## Use cases

Vietnamese retail + private + corporate + SME + investment banking via ACB ONE + ACB ONE Biz + acb.com.vn online + cards + branches; VietQR + NAPAS 247.

## Implementations & partners

**Operator**: Asia Commercial Joint Stock Bank (ACB; HOSE: ACB).

**Major Vietnamese banking competitors**: [Vietcombank (VCB Digibank)](https://docs.barcoder.ai/docs/wallets/vietcombank) (Vietnam #1 state-controlled) + [BIDV (BIDV SmartBanking X)](https://docs.barcoder.ai/docs/wallets/bidv) (Vietnam #2 by assets state-controlled) + [VietinBank / VietinBank iPay](https://docs.barcoder.ai/docs/wallets/vietinbank) (Vietnam Big 4 state-controlled; MUFG ~19.7% strategic) + [VPBank (Vietnam Prosperity Bank)](https://docs.barcoder.ai/docs/wallets/vpbank) (Vietnam #1 private commercial bank; SMBC 15% strategic) + [Techcombank](https://docs.barcoder.ai/docs/wallets/techcombank) (Vietnam #2 private + Masan partnership) + [MB Bank (Military Commercial Joint Stock Bank)](https://docs.barcoder.ai/docs/wallets/mb-bank) (Vietnam Military Bank).

**Regulator**: SBV.

## Fun facts

- **One of Vietnam's largest private commercial banks by assets**.
- **ACB ONE distinctive Vietnamese banking app** + ACB ONE Biz Vietnamese business banking app.
- **"Ngân hàng của mọi nhà" ("Bank for every household")** distinctive Vietnamese banking positioning.
- **Jun 4 1993 ACB founding** in Ho Chi Minh City, Vietnam (one of Vietnam's earliest private commercial banks post-Vietnamese banking commercialization).
- **2006 ACB HOSE IPO**.

## Comparison

| Feature | ACB (Asia Commercial Bank) / ACB ONE | [Vietcombank (VCB Digibank)](https://docs.barcoder.ai/docs/wallets/vietcombank) (Vietnam #1 state-controlled rival) | [VPBank (Vietnam Prosperity Bank)](https://docs.barcoder.ai/docs/wallets/vpbank) (Vietnam #1 private commercial bank rival; SMBC 15% strategic) | [Techcombank](https://docs.barcoder.ai/docs/wallets/techcombank) (Vietnam #2 private + Masan partnership rival) | [VietinBank / VietinBank iPay](https://docs.barcoder.ai/docs/wallets/vietinbank) (Vietnam Big 4 + MUFG ~19.7% strategic rival) |
|---|---|---|---|---|---|
| Operator | **ACB (HOSE: ACB)** | Vietcombank (HOSE: VCB) | VPBank (HOSE: VPB) | Techcombank (HOSE: TCB) | VietinBank (HOSE: CTG) |
| Type | **One of Vietnam's largest private commercial banks by assets + ACB ONE + ACB ONE Biz + "Ngân hàng của mọi nhà"** | Vietnam #1 state-controlled by assets | Vietnam #1 private commercial bank + SMBC 15% strategic + FE Credit consumer finance | Vietnam #2 private + Masan partnership | Vietnam Big 4 state-controlled + VietinBank iPay 2,000+ partners + 150+ features + MUFG ~19.7% strategic |
| Country | VN | VN + 5+ countries | VN | VN | VN + 2 countries |
| Distinctive | **Jun 4 1993 ACB founding in Ho Chi Minh City (one of Vietnam's earliest private commercial banks); 2006 HOSE IPO; 2015 ACB ONE mobile app launch** | 1963 Vietcombank founding as Vietnam's foreign trade bank | 1993 VPBank founding; Mar 2023 SMBC USD 1.5B 15% strategic | 1993 Techcombank founding | Jul 26 1988 Vietnam Bank for Industry and Trade founding |

## Status

**Active, one of Vietnam's largest private commercial banks by assets** <sup>[1][1], [2][2], [3][3]</sup>:
- **ACB (HOSE: ACB)** since Jun 4 1993 Asia Commercial Bank founding in Ho Chi Minh City + 2006 HOSE IPO.
- **ACB ONE + ACB ONE Biz Vietnamese banking apps**.
- **SBV regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Asia_Commercial_Bank "Asia Commercial Bank — Wikipedia"
[2]: https://acb.com.vn/en "Asia Commercial Joint Stock Bank — official"
[3]: https://innotech-vn.com/acb-bank-mobile-app-development-case-study/ "ACB Bank — Mobile app development case study — Innotech"
[vn-cro]: https://docs.barcoder.ai/docs/payments/VN

- [1] [Asia Commercial Bank — Wikipedia][1]
- [2] [Asia Commercial Joint Stock Bank — official][2]
- [3] [ACB Bank — Mobile app development case study — Innotech][3]
- <sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup> In-corpus: `reports/countries/VN-vietnam.md`

## Source

Biography extracted from [acb-vietnam.md](https://docs.barcoder.ai/source/wallets/acb-vietnam). See `matrix.md` for standards-support matrix if present.