# SHB SAHA

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

Specifications:
- [SHB — official](https://www.shb.com.vn/)

## Overview

**SHB SAHA** is Saigon-Hanoi Commercial Joint Stock Bank's next-generation digital banking platform + **5M+ individual and corporate customers** + **SHB SAHA upgraded version of SHB Mobile combining advanced technologies** <sup>[1][1], [2][2], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>. **2025 baseline**: SHB SAHA next-gen digital banking platform launch + SHB serves more than 5M individual and corporate customers; **SHB SAHA upgraded version of SHB Mobile combining advanced technologies, user-friendly interface and suite of smart features**; **From Mar 1 2026 SHB will cease providing mobile banking services on devices that do not meet security standards** distinctive Vietnamese banking security enforcement.

**Distinctive SHB SAHA positioning**:
- **SHB SAHA next-gen digital banking platform launched 2025** Vietnamese mobile-first banking innovation
- **SHB serves more than 5M individual and corporate customers**
- **SHB SAHA upgraded version of SHB Mobile combining advanced technologies, user-friendly interface and suite of smart features**
- **From Mar 1 2026 SHB will cease providing mobile banking services on devices that do not meet security standards** distinctive Vietnamese banking security enforcement
- **1993 Saigon-Hanoi Commercial Joint Stock Bank founding** as Vietnamese private commercial bank
- **2009 SHB IPO on HOSE (Ho Chi Minh City Stock Exchange)**
- **SHB SAHA VietQR + NAPAS full support** + Vietnamese mobile banking ecosystem

## History

**1993 — Saigon-Hanoi Commercial Joint Stock Bank founded** as Vietnamese private commercial bank.

**2009 — SHB IPO on HOSE (Ho Chi Minh City Stock Exchange)**.

**2025 — SHB SAHA next-gen digital banking platform launches** as Vietnamese mobile-first banking innovation (upgraded version of SHB Mobile) <sup>[1][1], [2][2]</sup>.

**Mar 1 2026 — SHB will cease providing mobile banking services on devices that do not meet security standards** distinctive Vietnamese banking security enforcement <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Saigon-Hanoi Commercial Joint Stock Bank** (HOSE: SHB; Vietnamese private commercial bank).

**Major shareholders**: **Do Quang Hien Chairman family heritage + Vietnamese retail + institutional + foreign investors + Krungsri (Bank of Ayudhya) ~50% stake in SHB Finance acquisition 2023 distinctive Vietnamese-Thai banking partnership**.

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

## Technical integration

SHB SAHA mobile banking app (iOS + Android; next-gen digital banking platform; upgraded version of SHB Mobile) + shb.com.vn online + SHB branch network Vietnam + Laos + Cambodia + SHB Visa + Mastercard cards; VietQR + NAPAS; **SHB SAHA upgraded version of SHB Mobile combining advanced technologies, user-friendly interface and suite of smart features**; **From Mar 1 2026 SHB will cease providing mobile banking services on devices that do not meet security standards** distinctive Vietnamese banking security enforcement.

## Users & growth

SHB serves more than 5M individual and corporate customers (2025).

## Use cases

Vietnamese retail + private + SME + commercial banking via SHB SAHA mobile + shb.com.vn online + SHB branch network Vietnam + Laos + Cambodia + Visa/Mastercard cards; VietQR + NAPAS; **SHB SAHA upgraded version of SHB Mobile combining advanced technologies, user-friendly interface and suite of smart features**.

## Implementations & partners

**Operator**: Saigon-Hanoi Commercial Joint Stock Bank (HOSE: SHB; Vietnamese private commercial bank); Do Quang Hien Chairman family heritage + Vietnamese retail + institutional + foreign investors.

**Vietnamese-Thai banking partnership**: **Krungsri (Bank of Ayudhya; MUFG Japanese parent ~76%) ~50% stake in SHB Finance acquisition 2023** distinctive Vietnamese-Thai banking partnership.

**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) + [BIDV (BIDV SmartBanking X)](https://docs.barcoder.ai/docs/wallets/bidv) (Vietnam's largest bank by assets; HOSE: BID; BIDV SmartBanking) + [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) + [HDBank](https://docs.barcoder.ai/docs/wallets/hdbank) (Ho Chi Minh City Development Joint Stock Commercial Bank; HOSE: HDB; Vietnamese commercial bank).

**Regulator**: SBV.

## Fun facts

- **SHB SAHA next-gen digital banking platform launched 2025** Vietnamese mobile-first banking innovation.
- **SHB serves more than 5M individual and corporate customers**.
- **SHB SAHA upgraded version of SHB Mobile combining advanced technologies, user-friendly interface and suite of smart features**.
- **From Mar 1 2026 SHB will cease providing mobile banking services on devices that do not meet security standards** distinctive Vietnamese banking security enforcement.
- **1993 Saigon-Hanoi Commercial Joint Stock Bank founding** as Vietnamese private commercial bank.
- **2009 SHB IPO on HOSE**.
- **Krungsri (Bank of Ayudhya; MUFG Japanese parent ~76%) ~50% stake in SHB Finance acquisition 2023** distinctive Vietnamese-Thai banking partnership.

## Comparison

| Feature | SHB SAHA | [VPBank (Vietnam Prosperity Bank)](https://docs.barcoder.ai/docs/wallets/vpbank) (Vietnam Prosperity Joint Stock Commercial Bank rival; VPBank NEO 10M+ users) | [Techcombank](https://docs.barcoder.ai/docs/wallets/techcombank) (Vietnam's largest private commercial bank by assets rival; T-Connect) | [MB Bank (Military Commercial Joint Stock Bank)](https://docs.barcoder.ai/docs/wallets/mb-bank) (Vietnamese military-affiliated bank rival; MB Bank App) | [TPBank (Tien Phong Bank) / TPBank Mobile + LiveBank 24/7](https://docs.barcoder.ai/docs/wallets/tpbank) (Vietnamese digital-first private bank rival; TPBank LiveBank) |
|---|---|---|---|---|---|
| Operator | **Saigon-Hanoi Commercial Joint Stock Bank (HOSE: SHB; Vietnamese private commercial bank)** | Vietnam Prosperity Joint Stock Commercial Bank (HOSE: VPB; SMBC ~15% strategic investor since Mar 2023) | Techcombank (HOSE: TCB; Masan Group + Vingroup partnership) | MBBank / Military Commercial Joint Stock Bank (HOSE: MBB; Vietnamese military-affiliated) | TPBank / Tien Phong Commercial Joint Stock Bank (HOSE: TPB) |
| Type | **SHB SAHA next-gen digital banking platform launched 2025 + SHB serves more than 5M individual and corporate customers + SHB SAHA upgraded version of SHB Mobile + From Mar 1 2026 SHB will cease providing mobile banking on devices that do not meet security standards + Krungsri ~50% stake in SHB Finance acquisition 2023** | VPBank NEO 10M+ users + 600M annual transactions + Jul 2021 all-in-one digital banking platform launch + SMBC ~15% strategic investor ~$1.5B investment | Vietnam's largest private commercial bank by assets + T-Connect ecosystem + Masan Group + Vingroup partnership | Vietnamese military-affiliated bank + MB Bank App Vietnamese mobile banking | Vietnamese digital-first private bank + TPBank LiveBank 24/7 self-service branches |
| Country | VN + LA + KH | VN | VN | VN | VN |
| Distinctive | **1993 Saigon-Hanoi Commercial Joint Stock Bank founding; 2009 SHB IPO on HOSE; 2025 SHB SAHA next-gen digital banking platform launch; Mar 1 2026 SHB will cease mobile banking on devices that do not meet security standards; Krungsri ~50% stake in SHB Finance acquisition 2023** | 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 | 1993 Techcombank founding; T-Connect ecosystem distinctive | 1994 MB Bank founding by Vietnamese military | 2008 TPBank founding; TPBank LiveBank 24/7 self-service branches distinctive Vietnamese digital banking innovation |

## Status

**Active, SHB SAHA next-gen digital banking platform launched 2025 + SHB serves more than 5M individual and corporate customers** <sup>[1][1], [2][2], [3][3]</sup>:
- **Saigon-Hanoi Commercial Joint Stock Bank (HOSE: SHB; Vietnamese private commercial bank)** since 1993 SHB founding + 2009 SHB IPO on HOSE + 2025 SHB SAHA next-gen digital banking platform launch.
- **SHB serves more than 5M individual and corporate customers**.
- **From Mar 1 2026 SHB will cease providing mobile banking services on devices that do not meet security standards**.
- **SBV regulated**.

## Sources

[1]: https://vietnamnews.vn/Economy/1719815/shb-launches-next-gen-digital-banking-app-shb-saha.html "SHB launches next-gen digital banking app SHB SAHA — Vietnam News"
[2]: https://w.media/how-saigon-hanoi-bank-is-undergoing-digital-transformation/ "How Saigon Hanoi Bank is undergoing Digital Transformation — w.media"
[3]: https://www.vietnam.vn/en/shb-tang-cuong-bao-mat-ngung-mobile-banking-tren-thiet-bi-rui-ro "SHB strengthens security, suspends Mobile Banking on risky devices — Vietnam.vn"
[vn-cro]: https://docs.barcoder.ai/docs/payments/VN

- [1] [SHB launches next-gen digital banking app SHB SAHA — Vietnam News][1]
- [2] [How Saigon Hanoi Bank is undergoing Digital Transformation — w.media][2]
- [3] [SHB strengthens security, suspends Mobile Banking on risky devices — 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 [shb-bank.md](https://docs.barcoder.ai/source/wallets/shb-bank). See `matrix.md` for standards-support matrix if present.