# BIDV (BIDV SmartBanking X)

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

Specifications:
- [BIDV — official](https://bidv.com.vn/)

## Overview

**BIDV (BIDV SmartBanking X)** is **Vietnam's largest commercial bank by assets** + **State Bank of Vietnam SBV ~80.99% controlling** + **BIDV SmartBanking 22M+ users** + **4.2M new customers 2025** + **>16M digital customers mid-2025** + **>7M transactions per day** + **95.3% transactions on digital channels +2% vs same period 2024** + **Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices'** <sup>[1][1], [2][2], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>. **2025 baseline**: BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels +2% vs same period 2024; **BIDV SmartBanking has expanded its service scope to three customer groups: individuals, business households, and children** distinctive Vietnamese mobile banking customer segmentation; **BIDV SmartBanking X 10-year milestone of pioneering digitalization journey** distinctive Vietnamese mobile banking decade-of-innovation milestone.

**Distinctive BIDV positioning**:
- **Vietnam's largest commercial bank by assets** (Bank for Investment and Development of Vietnam; HOSE: BID; State Bank of Vietnam SBV ~80.99% controlling)
- **State Bank of Vietnam SBV ~80.99% controlling** distinctive Vietnamese state-owned commercial banking ownership
- **BIDV SmartBanking 22M+ users** distinctive Vietnamese mobile banking user scale
- **4.2M new customers 2025** distinctive Vietnamese mobile banking annual customer acquisition
- **>16M digital customers mid-2025** distinctive Vietnamese digital banking penetration
- **>7M transactions per day** distinctive Vietnamese mobile banking daily transaction volume
- **95.3% transactions on digital channels +2% vs same period 2024** distinctive Vietnamese digital banking transaction migration
- **Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices'** distinctive Vietnamese mobile banking device compatibility record
- **BIDV SmartBanking has expanded its service scope to three customer groups: individuals, business households, and children** distinctive Vietnamese mobile banking customer segmentation
- **Apr 26 1957 BIDV founding** distinctive Vietnamese state-owned commercial banking heritage

## History

**Apr 26 1957 — Bank for Investment and Development of Vietnam founded** as Vietnamese state-owned commercial bank for investment + development of Vietnam.

**Jan 24 2014 — BIDV HOSE IPO under ticker BID** distinctive Vietnamese commercial banking listing.

**2015 — BIDV SmartBanking mobile banking app launch** distinctive Vietnamese mobile banking strategy.

**2025 — BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels +2% vs same period 2024 + BIDV SmartBanking X 10-year milestone of pioneering digitalization journey + BIDV SmartBanking has expanded its service scope to three customer groups: individuals, business households, and children** <sup>[1][1], [2][2], [3][3]</sup>.

**Sep 27 2025 — BIDV SmartBanking version X awarded by Vietnam Record Organization for 'digital banking app supporting financial transactions on most devices'**.

## Ownership & operator

**Operating entity**: **Bank for Investment and Development of Vietnam** (HOSE: BID; Vietnam's largest commercial bank by assets; State Bank of Vietnam SBV ~80.99% controlling).

**Major shareholders**: **State Bank of Vietnam SBV (Vietnamese central bank) ~80.99% controlling + KEB Hana Bank (Korean parent ~15% strategic investor since Jul 11 2019 ~$881M acquisition) + Vietnamese retail + institutional + foreign investors**.

**Regulators**: **SBV (State Bank of Vietnam) + national regulators across 8 countries**.

## Technical integration

BIDV SmartBanking mobile banking app (iOS + Android; 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels) + bidv.com.vn online + BIDV branch network across Vietnam + Laos + Cambodia + Myanmar + Russia + Taiwan + Czech Republic + UK + BIDV Visa + Mastercard cards; VietQR + NAPAS; **BIDV SmartBanking has expanded its service scope to three customer groups: individuals, business households, and children** distinctive Vietnamese mobile banking customer segmentation + **BIDV SmartBanking X 10-year milestone of pioneering digitalization journey** distinctive Vietnamese mobile banking decade-of-innovation milestone + **Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices'** distinctive Vietnamese mobile banking device compatibility record.

## Users & growth

**2025**: BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels +2% vs same period 2024.

## Use cases

Vietnamese + international (Laos + Cambodia + Myanmar + Russia + Taiwan + Czech Republic + UK) retail + private + SME + commercial + corporate + business households + children banking via BIDV SmartBanking mobile + bidv.com.vn online + BIDV branch network across 8 countries + Visa/Mastercard cards; VietQR + NAPAS.

## Implementations & partners

**Operator**: Bank for Investment and Development of Vietnam (HOSE: BID; Vietnam's largest commercial bank by assets; State Bank of Vietnam SBV ~80.99% controlling); State Bank of Vietnam SBV (Vietnamese central bank) ~80.99% controlling + KEB Hana Bank (Korean parent ~15% strategic investor since Jul 11 2019 ~$881M acquisition) + Vietnamese retail + institutional + foreign investors.

**KEB Hana Bank strategic alliance partnership**: **KEB Hana Bank (Korean parent ~15% strategic investor since Jul 11 2019 ~$881M acquisition)** distinctive Korean-Vietnamese commercial banking strategic alliance.

**Major Vietnamese banking competitors**: [Techcombank](https://docs.barcoder.ai/docs/wallets/techcombank) (Vietnam's largest private commercial bank by assets; T-Connect ecosystem; Masan Group + Vingroup partnership; HOSE: TCB) + [VPBank (Vietnam Prosperity Bank)](https://docs.barcoder.ai/docs/wallets/vpbank) (Vietnam Prosperity Joint Stock Commercial Bank; HOSE: VPB; VPBank NEO 10M+ users + 600M annual transactions; SMBC ~15% strategic investor) + [MB Bank (Military Commercial Joint Stock Bank)](https://docs.barcoder.ai/docs/wallets/mb-bank) (Vietnamese military-affiliated bank; HOSE: MBB; MB Bank App Vietnamese mobile banking) + [ACB (Asia Commercial Bank)](https://docs.barcoder.ai/docs/wallets/acb-vietnam) (Asia Commercial Bank; HOSE: ACB; Vietnamese private commercial bank) + [Vietcombank (VCB Digibank)](https://docs.barcoder.ai/docs/wallets/vietcombank) (Vietnam's #1 state-owned commercial bank by market cap; HOSE: VCB; VCB Digibank) + [VietinBank / VietinBank iPay](https://docs.barcoder.ai/docs/wallets/vietinbank) (Vietnam's third-largest state-owned commercial bank; HOSE: CTG; VietinBank iPay) + [TPBank (Tien Phong Bank) / TPBank Mobile + LiveBank 24/7](https://docs.barcoder.ai/docs/wallets/tpbank) (Vietnamese digital-first private bank; HOSE: TPB; TPBank LiveBank 24/7 self-service branches) + [SHB SAHA](https://docs.barcoder.ai/docs/wallets/shb-bank) (Saigon-Hanoi Commercial Joint Stock Bank; HOSE: SHB; SHB SAHA next-gen digital banking platform launch 2025) + [HDBank](https://docs.barcoder.ai/docs/wallets/hdbank) (Ho Chi Minh City Development Joint Stock Commercial Bank; HOSE: HDB; Vietnamese commercial bank; H1 2025 pre-tax profit VND10.1T US$382.6M +23.3% YoY) + [Sacombank / Sacombank Pay](https://docs.barcoder.ai/docs/wallets/sacombank) (Sacombank; HOSE: STB; Vietnamese commercial bank).

**Regulators**: SBV + national regulators across 8 countries.

## Fun facts

- **Vietnam's largest commercial bank by assets** (Bank for Investment and Development of Vietnam; HOSE: BID; State Bank of Vietnam SBV ~80.99% controlling).
- **State Bank of Vietnam SBV ~80.99% controlling** distinctive Vietnamese state-owned commercial banking ownership.
- **BIDV SmartBanking 22M+ users** distinctive Vietnamese mobile banking user scale.
- **4.2M new customers 2025** distinctive Vietnamese mobile banking annual customer acquisition.
- **>16M digital customers mid-2025** distinctive Vietnamese digital banking penetration.
- **>7M transactions per day** distinctive Vietnamese mobile banking daily transaction volume.
- **95.3% transactions on digital channels +2% vs same period 2024** distinctive Vietnamese digital banking transaction migration.
- **Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices'** distinctive Vietnamese mobile banking device compatibility record.
- **BIDV SmartBanking has expanded its service scope to three customer groups: individuals, business households, and children** distinctive Vietnamese mobile banking customer segmentation.
- **Apr 26 1957 BIDV founding** distinctive Vietnamese state-owned commercial banking heritage.

## Comparison

| Feature | BIDV | [Techcombank](https://docs.barcoder.ai/docs/wallets/techcombank) (Techcombank rival; Vietnam's largest private commercial bank by assets) | [Vietcombank (VCB Digibank)](https://docs.barcoder.ai/docs/wallets/vietcombank) (Vietcombank rival; Vietnam's #1 state-owned commercial bank by market cap) | [VietinBank / VietinBank iPay](https://docs.barcoder.ai/docs/wallets/vietinbank) (VietinBank rival; Vietnam's third-largest state-owned commercial bank) | [VPBank (Vietnam Prosperity Bank)](https://docs.barcoder.ai/docs/wallets/vpbank) (VPBank rival; VPBank NEO 10M+ users + 600M annual transactions) |
|---|---|---|---|---|---|
| Operator | **Bank for Investment and Development of Vietnam (HOSE: BID; Vietnam's largest commercial bank by assets; State Bank of Vietnam SBV ~80.99% controlling)** | Techcombank (HOSE: TCB; Masan Group + Vingroup partnership) | Vietcombank (HOSE: VCB; state-owned) | VietinBank (HOSE: CTG; state-owned) | Vietnam Prosperity Joint Stock Commercial Bank (HOSE: VPB; SMBC ~15% strategic investor since Mar 2023) |
| Type | **Vietnam's largest commercial bank by assets + State Bank of Vietnam SBV ~80.99% controlling + BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels +2% vs 2024 + Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices' + service scope to individuals + business households + children** | Vietnam's largest private commercial bank by assets + T-Connect ecosystem + Masan Group + Vingroup partnership | Vietnam's #1 state-owned commercial bank by market cap + VCB Digibank | Vietnam's third-largest state-owned commercial bank + VietinBank iPay | VPBank NEO 10M+ users + 600M annual transactions + Jul 2021 all-in-one digital banking platform launch + SMBC ~15% strategic investor ~$1.5B investment |
| Country | VN + LA + KH + MM + RU + TW + CZ + GB | VN | VN | VN | VN |
| Distinctive | **Apr 26 1957 BIDV founding (Vietnamese state-owned commercial banking heritage); Jan 24 2014 BIDV HOSE IPO under ticker BID; 2015 BIDV SmartBanking mobile banking app launch; Jul 11 2019 KEB Hana Bank ~15% strategic investor ~$881M acquisition; 2025 BIDV SmartBanking 22M+ users + 4.2M new customers + Sep 27 2025 Vietnam Record Organization 'digital banking app supporting financial transactions on most devices' + service scope to individuals + business households + children + BIDV SmartBanking X 10-year milestone** | 1993 Techcombank founding; T-Connect ecosystem distinctive | 1963 Vietcombank founding as state-owned Vietnamese commercial bank | 1988 VietinBank founding as Industrial and Commercial Bank of Vietnam | 1993 VPBank founding; 2017 VPBank HOSE IPO; Jul 2021 VPBank NEO all-in-one digital banking platform launch; Mar 27 2023 SMBC ~15% strategic investor ~$1.5B investment |

## Status

**Active, Vietnam's largest commercial bank by assets + State Bank of Vietnam SBV ~80.99% controlling + BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >16M digital customers mid-2025 + >7M transactions per day + 95.3% transactions on digital channels** <sup>[1][1], [2][2], [3][3]</sup>:
- **Bank for Investment and Development of Vietnam (HOSE: BID; Vietnam's largest commercial bank by assets; State Bank of Vietnam SBV ~80.99% controlling)** since Apr 26 1957 BIDV founding + Jan 24 2014 BIDV HOSE IPO under ticker BID + 2015 BIDV SmartBanking mobile banking app launch + Jul 11 2019 KEB Hana Bank ~15% strategic investor ~$881M acquisition + Sep 27 2025 BIDV SmartBanking version X awarded by Vietnam Record Organization for 'digital banking app supporting financial transactions on most devices'.
- **BIDV SmartBanking 22M+ users + 4.2M new customers 2025 + >7M transactions per day**.
- **95.3% transactions on digital channels +2% vs same period 2024**.
- **SBV + national regulators across 8 countries**.

## Sources

[1]: https://bidvinfo.com.vn/en/bidv-smartbanking-version-x---a-record-breaking-milestone-in-vietnam-10013235.html "BIDV Smartbanking Version X - A Record-Breaking Milestone in Vietnam — BIDV"
[2]: https://www.vietnam.vn/en/bidv-smartbanking-x-ket-tinh-cua-mot-thap-ky-chuyen-minh "BIDV SmartBanking X: The culmination of a decade of transformation — Vietnam.vn"
[3]: https://www.vietnam.vn/en/bidv-smartbanking-phien-ban-x-dau-an-tien-phong-cung-loat-tinh-nang-moi-doc-dao "BIDV SmartBanking version X - a pioneering mark with a series of unique new features — Vietnam.vn"
[vn-cro]: https://docs.barcoder.ai/docs/payments/VN

- [1] [BIDV Smartbanking Version X - A Record-Breaking Milestone in Vietnam — BIDV][1]
- [2] [BIDV SmartBanking X: The culmination of a decade of transformation — Vietnam.vn][2]
- [3] [BIDV SmartBanking version X - a pioneering mark with a series of unique new features — Vietnam.vn][3]
- <sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup> In-corpus: `reports/countries/VN-vietnam.md`

## Source

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