# Vietcombank (VCB Digibank)

> Source: https://docs.barcoder.ai/docs/wallets/vietcombank
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Vietcombank — official](https://www.vietcombank.com.vn/)

## Overview

**Vietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam)** is **Vietnam's largest capitalized bank** + **one of "Big Four" Vietnamese state banks** (alongside BIDV + VietinBank + Agribank) <sup>[1][1], [2][2], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>. **2025 baseline**: **VCB Digibank app 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score**.

**Distinctive VCB Digibank positioning** <sup>[2][2], [3][3]</sup>:
- **Vietnam's largest capitalized bank**
- **One of "Big Four" Vietnamese state banks** (Vietcombank + BIDV + VietinBank + Agribank)
- **VCB Digibank**: 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score
- **AI-powered mobile banking service** — distinctive Vietnam banking AI leadership (drives growth in digital transactions + rise in customer satisfaction)
- **2024 upgraded mobile app**: Customizable interfaces + AI-powered financial management tools + **FacePay** (secure biometric facial-recognition payments) + integration with nearly 2,000 partners

## History

**April 1, 1963 — Vietcombank founded** as Bank for Foreign Trade of Vietnam by State Bank of Vietnam — distinctive Vietnam state-bank heritage.

**1990 — Vietcombank reorganized** as a state-owned commercial bank (equitized to joint-stock via 2007-2008 IPO).

**2002 — Vietcombank Internet Banking launches**.

**2007 — Vietcombank partial privatization IPO** on HOSE (HOSE: VCB; State Bank of Vietnam retains majority).

**2024 — Vietcombank upgraded mobile app**: Customizable interfaces + AI-powered financial management tools + FacePay biometric payments + ~2,000 partners integration.

**2025 — VCB Digibank 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score** <sup>[2][2]</sup>; mobile banking users grew 50%+ <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Joint Stock Commercial Bank for Foreign Trade of Vietnam — Vietcombank** (HOSE: VCB).

**Major shareholders**: **State Bank of Vietnam (SBV; Vietnamese government via SBV; majority shareholder >74%) + Mizuho Bank (Japan; ~15% strategic shareholder via Mizuho Financial Group Mar 2011 acquisition) + various Vietnamese institutional + HOSE public float**.

**Regulators**: **SBV (State Bank of Vietnam)** + per-country.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | VCB Digibank app (iOS + Android; primary VN retail-banking mobile channel; 13M+ active users + 7M+ daily transactions) + VCB DigiBiz (business mobile banking) + VCB Online Banking + Vietcombank cards (Visa + Mastercard + JCB + NAPAS) + Vietcombank branch network + FacePay biometric facial-recognition payments |
| **Identifiers** | Phone + email + card number + Vietnamese ID + face biometric (FacePay) |
| **VN rail** | **[VietQR](https://docs.barcoder.ai/docs/standards/vietqr)** (NAPAS VietQR national QR + NAPAS national instant payment) |
| **License** | Bank (Vietcombank full Vietnamese banking license; Vietnam's largest capitalized bank; Vietnam Big-4 state bank) |
| **Sub-products** | Vietcombank Account + Vietcombank Cards + Vietcombank Credit + Vietcombank Mortgages + Vietcombank Investments + Vietcombank Insurance + Vietcombank Securities + Vietcombank for Business + VCB Digibank + VCB DigiBiz + FacePay (biometric facial-recognition payments) + 2,000+ partner integrations |
| **Distinctive 2024 upgraded mobile app**: Customizable interfaces + AI-powered financial management tools + FacePay + 2,000+ partner integrations |
| **Mizuho Bank Japan ~15% strategic shareholder** distinctive Japan-VN banking partnership |

## Users & growth

**2025 baseline** <sup>[2][2], [3][3]</sup>:
- **VCB Digibank app**: 13M+ active users + 7M+ daily transactions
- **95% customer satisfaction score**
- **Vietnam's largest capitalized bank**
- **One of Big-4 Vietnamese state banks** (alongside BIDV + VietinBank + Agribank)
- **Mobile banking users grew 50%+** (Vietcombank growth)

## Use cases

Vietnamese + multi-country retail + corporate + investment + insurance + securities banking via VCB Digibank + VCB DigiBiz + VCB Online + cards (Visa + Mastercard + JCB + NAPAS) + branches + FacePay biometric facial-recognition payments; VietQR NAPAS national QR + NAPAS national instant payment; AI-powered financial management tools + 2,000+ partner integrations; multi-country (VN + US + HK + LA).

## Implementations & partners

**Operator**: **Joint Stock Commercial Bank for Foreign Trade of Vietnam — Vietcombank** (HOSE: VCB).

**Major shareholders**: **State Bank of Vietnam (SBV; Vietnamese government via SBV; majority shareholder >74%) + Mizuho Bank (Japan; ~15% strategic shareholder via Mizuho Financial Group Mar 2011 acquisition) + Vietnamese institutional + HOSE public float**.

**Major Vietnamese banking + fintech competitors**:
- **BIDV** (Bank for Investment and Development of Vietnam; Vietnamese Big-4 state bank)
- **VietinBank** (Vietnamese Big-4 state bank; Mizuho minority stake + MUFG minority stake)
- **Agribank** (Vietnam Bank for Agriculture and Rural Development; Vietnamese Big-4 state bank)
- **Techcombank** + **MB Bank** + **VPBank** + **ACB** + **Sacombank** + **TPBank** (Vietnamese private banks)
- **[MoMo (Vietnam)](https://docs.barcoder.ai/docs/wallets/momo-vietnam)** (Batch 22 covered; Vietnamese super-app wallet leader)
- **[ZaloPay](https://docs.barcoder.ai/docs/wallets/zalopay)** (Batch 22 covered; VNG / Zion Group Vietnam payments)
- **[VNPay](https://docs.barcoder.ai/docs/wallets/vnpay)** (Batch 22 covered; Vietnam payment processor)

**Vietcombank Mizuho relationship**: **Mizuho Bank (Japan) ~15% strategic shareholder via Mizuho Financial Group Mar 2011 acquisition** — distinctive Japan-VN banking partnership.

**Regulator**: **SBV (State Bank of Vietnam) + per-country**.

## Fun facts

- **Vietnam's largest capitalized bank**.
- **One of "Big Four" Vietnamese state banks** (Vietcombank + BIDV + VietinBank + Agribank).
- **VCB Digibank 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score**.
- **April 1, 1963 founding as Bank for Foreign Trade of Vietnam** by State Bank of Vietnam.
- **1990 reorganized** as joint stock commercial bank.
- **2007 partial privatization IPO** on HOSE (State Bank of Vietnam retains majority >74%).
- **March 2011 Mizuho Bank Japan ~15% strategic shareholder acquisition** — distinctive Japan-VN banking partnership.
- **2024 upgraded mobile app**: AI-powered financial management tools + FacePay biometric facial-recognition payments + 2,000+ partner integrations.
- **Mobile banking users grew 50%+** (Vietcombank growth).
- **Multi-country presence**: VN + US + HK + LA.

## Comparison

| Feature | Vietcombank (VCB Digibank) | BIDV (Vietnamese Big-4 state bank rival) | VietinBank (Vietnamese Big-4 state bank rival; Mizuho + MUFG minority stakes) | [MoMo (Vietnam)](https://docs.barcoder.ai/docs/wallets/momo-vietnam) (Batch 22; Vietnamese super-app wallet leader) | [ZaloPay](https://docs.barcoder.ai/docs/wallets/zalopay) (Batch 22; VNG / Zion Group Vietnam payments) |
|---|---|---|---|---|---|
| Operator | **Joint Stock Commercial Bank for Foreign Trade of Vietnam — Vietcombank (HOSE: VCB; State Bank of Vietnam SBV Vietnamese government majority shareholder >74% + Mizuho Bank Japan ~15% strategic shareholder + Vietnamese institutional + HOSE public float)** | Bank for Investment and Development of Vietnam (HOSE: BID; SBV majority) | VietinBank (HOSE: CTG; SBV majority + Mizuho + MUFG minority stakes) | MoMo (M_Service; VN super-app wallet) | ZaloPay (VNG / Zion Group VN payments) |
| Type | **Vietnam's largest capitalized bank + Vietnam Big-4 state bank + VCB Digibank 13M+ active users + 7M+ daily transactions + 95% customer satisfaction + FacePay biometric + AI-powered financial management tools + 2,000+ partners** | Vietnamese Big-4 state bank | Vietnamese Big-4 state bank + Mizuho + MUFG minority stakes (distinctive JP-VN strategic ownership) | Vietnamese super-app wallet leader | Vietnamese payments super-app |
| Country | VN + 3+ other countries | VN | VN | Vietnam | Vietnam |
| Users | **VCB Digibank 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score; Vietnam's largest capitalized bank** | Vietnamese Big-4 major | Vietnamese Big-4 major | Vietnamese super-app major | Vietnamese payments major |
| Distinctive | **Apr 1 1963 founding as Bank for Foreign Trade of Vietnam by State Bank of Vietnam; 1990 reorganized as joint stock commercial bank; 2007 partial privatization IPO on HOSE (SBV retains majority >74%); Mar 2011 Mizuho Bank Japan ~15% strategic shareholder acquisition (distinctive Japan-VN banking partnership); 2024 upgraded mobile app with AI-powered financial management tools + FacePay biometric facial-recognition payments + 2,000+ partner integrations; mobile banking users grew 50%+; Vietnam's largest capitalized bank; Big-4 Vietnamese state bank** | Vietnamese Big-4 state bank | Vietnamese Big-4 state bank with distinctive Mizuho + MUFG minority stakes | VN super-app wallet leader | VNG / Zion Group VN payments |

## Status

**Active, Vietnam's largest capitalized bank + Vietnam Big-4 state bank** <sup>[1][1], [2][2]</sup>:
- **Vietcombank** (HOSE: VCB) since April 1, 1963 (founded as Bank for Foreign Trade of Vietnam by State Bank of Vietnam); 1990 reorganized as joint stock commercial bank; 2007 partial privatization IPO.
- **VCB Digibank 13M+ active users + 7M+ daily transactions + 95% customer satisfaction score**.
- **2024 upgraded mobile app**: AI-powered financial management + FacePay biometric facial-recognition payments + 2,000+ partner integrations.
- **State Bank of Vietnam majority shareholder >74%** + **Mizuho Bank Japan ~15% strategic shareholder** distinctive Japan-VN banking partnership.
- **SBV + per-country regulated**.

## Sources

[1]: https://www.vietcombank.com.vn/ "Vietcombank — official"
[2]: https://www.theasianbanker.com/updates-and-articles/vietcombank-s-ai-powered-mobile-banking-service-drives-growth-in-digital-transactions-rise-in-customer-satisfaction-score-2025 "Vietcombank's AI-powered mobile banking service drives growth in digital transactions — Asian Banker 2025"
[3]: https://www.theasianbanker.com/press-releases/vietcombank-grew-mobile-banking-users-by-more-than-50 "Vietcombank grew mobile banking users by more than 50% — Asian Banker"
[4]: https://bankingfrontiers.com/a-pioneer-in-mobile-banking-vietcombank/ "A pioneer in mobile banking — Vietcombank — Banking Frontiers"
[vn-cro]: https://docs.barcoder.ai/docs/payments/VN

- [1] [Vietcombank — official][1]
- [2] [Vietcombank's AI-powered mobile banking service drives growth — Asian Banker 2025][2]
- [3] [Vietcombank grew mobile banking users by more than 50% — Asian Banker][3]
- [4] [A pioneer in mobile banking — Vietcombank — Banking Frontiers][4]
- <sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup> In-corpus: `reports/countries/VN-vietnam.md`

## Source

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