Can I use my SHBVN credit card immediately after I receive it?
Q&A
Where customer can find answers about banking with Shinhan Bank Vietnam, (Card, Loan,..)
Credit card
Customer need to activate the card before using
How should I do with my old credit card when I completed to activate new card?
Totally destroy the card both card number, chip and magnetic stripe.
Why do I apply Shinhan credit card?
How can I apply for Shinhan Credit Card?
Thanks for choosing us. You can apply Shinhan credit card at:
- Mobile banking SOL app: complete your full application in 30 minutes. Please take a glance here before starting.
Note: Only applicable to customers with Vietnamese nationality
- Our site: https://shinhan.com.vn/vi/credit-card-application. We will contact you within 48 hours after you complete registration.
- Shinhan branches nationwide. Find Shinhan branch here
Note: Application channel 1 and 2 currently apply to Consumer card. For Corporate card, please visit Shinhan Branches.
I am 18 years old. Can I apply Consumer Shinhan credit card?
You can apply Shinhan credit card under supplementary card. According to regulation of State Bank of Viet Nam, citizen must be from 20 years old at the application time
Debit card
How do I apply for this SMS notification service?
Register SMS service at counter
What kind of transactions will trigger SMS alert?
There are many kinds of SMS notification: card transactions, statement, payment, renewal…
Do I have to pay for this SMS Notification service?
Yes, SMS fee: VND11,000/month/member
Is this service available 24 hours?
Yes
What is the minimum transaction amount I have to make in order to receive this SMS transaction alert?
Regardless of the transaction amount, when customer makes any transaction on the card, there will be the SMS transaction alert
Loan
Can I fully repay the outstanding loan before final due date? Can I request such prepayment at any Bank’s Branch/Transactional Office?
- Customers can pay before the due date (more than the repayment schedule) or pay before the due date with the corresponding prepayment fee as agreed in the Credit Contract.
- Loan repayment can in principle be recorded at any Shinhan branch.
- However, in order to facilitate customer care and property mortgage, the Customer needs to notify the branch in charge of the loan for the best support.
How will my credit history be affected when the loan is overdue?
- In case the customer's loan at a bank is overdue and the debt group is changed, this debt group will be reported to CIC (National Credit Data Center).
- Here, the highest (worst) debt group will be applied by CIC to customers at banks where customers have outstanding loans.
Does bank offer any banking service to help me easily manage my loans?
Customers who install the Sol application will receive a monthly push-up notification of the amount to be paid periodically before the payment due date. Besides, customers can easily look up their loan repayment schedule and payment history on this application.
What is the maximum amount that I can borrow?
Loan limits are determined by product: up to 70% of the value of the mortgaged property, and the total monthly repayments (principal + interest) of all outstanding loans and credit cards of the customer does not exceed 70% of the average monthly income of the customer.
What is the maximum loan tenor that I can apply for?
The maximum loan period is 30 years, and is limited by the age of the borrower and the mortgagor (18 -70 years old at the time of loan application and Maximum 70 years old at the end of the loan term)
Update your Information
Vietnamese
If my personal documents (1) expired, when do I need to update my mandatory customer information?
You need to submit your Chip-based Citizen ID card/New ID card at a branch counter or via SOL banking by December 2024.
It is recommended to update your information as soon as possible.
I have a loan product at the Bank but do not have demand to make withdrawal/transfer transactions on my demand account. Do I still need to update my mandatory customer information if my personal documents expired?
If you do not update your personal documents, the withdrawal/transfer transactions from your account will be restricted.
However, we recommend you to update your information to ensure smooth execution of your transactions.
I have an account that I opened for salary transfers in the past but no longer use it, and visiting a branch is difficult. Do I still need to update my mandatory customer information?
No, if you are not using the account or SOL banking, you do not need to update information immediately.
However, the Bank will temporarily suspend account transaction, withdrawal from demand account and/or card transaction when your personal documents expired. You can resume unrestricted banking transactions after completing the customer information update through a branch or SOL banking (in case customer has Chip-based Citizen ID card or New ID card).
How can I check if my mandatory customer information has already been registered? How can I know the date when I can perform unrestricted banking transactions?
Customer could look up the registered information via SOL banking or contact Call Center (1900 1577) for more information.
Besides, the Bank will notify customers 30 days* before to the expiry date of personal document to promptly update information via SMS, eDM, App Push, and other methods.
*Based on the expiration date of the ID card customer have registered with the Bank.
The ID information in the message I received does not match the Chip-based ID I currently have.
Please contact the Call Center (1900 1577) or nearest branch,
we will check the currently registered information and guide you through the necessary procedures.
I have received a new Chip-based ID card. By when do I need to update my ID information?
Customer should come to nearest Branches/TOs to update information or using SOL banking (in case customer has Chip-based Citizen ID card/ New ID card) as soon as possible.
Customers who have completed their mandatory customer information registration can conduct unrestricted banking transactions until the expiration date of the existing Chip-based ID.
I am unable to update my mandatory customer information through SOL banking. Do I need to visit a branch?
In case you could not update personal information via SOL banking, you must visit nearest branch to update information.
I cannot register my mandatory customer information through a branch or SOL banking due to personal circumstances. Can a family member or authorized person submit my Chip-based ID card and update my information on my behalf?
No, it is not possible.
In case you could not update personal information via SOL banking, you must visit directly to the nearest branch to present your personal documents to verify the authenticity of your ID and complete the identity verification process.
I am currently staying abroad, not in Vietnam. By when can I continue making transactions via SOL banking?
- If you have completed the mandatory customer information update, you can conduct unrestricted banking transactions until the expiration date of your current ID.
- If you have not completed update mandatory customer information: SOL banking transactions may be restricted from 01st January 2025 when you could not update information due to lost or no ID card/ Chip-based Citizen ID card.
Once you reissue your new ID card and complete the information update, you will be able to resume unrestricted banking transactions until the expiry date of personal documents.
I have registered an Authorized person at the Bank to make payment and withdrawal transactions on my behalf at the branch counter. In order to make banking transactions without restrictions, (1) what information needs to be updated? And; (2) who will need
(1)In order to make banking transaction at branch counter, customer’s personal documents must be updated in case of expiration.
(2)Both the account holder and the authorized person must update their mandatory customer information to enable withdrawal/transfer transactions.
If account holder’s personal documents expired but only the authorized person updates information, payment and withdrawal transactions will not be possible starting from 01st January 2025.
Mandatory customer Info. update status | People who are allowed to make transactions at Branches/TOs | |
Account Holder | Authorized Person | |
| O | X | Account Holder |
| O | O | Account Holder or Authorized Person |
| X | O | None |
*Note: O – Not expired and X - Expired
I have a Vietnamese ID and a passport from another country. I am currently unable to extend the passport or residence documents of my registered nationality. Can I change my nationality to Vietnamese and submit a chip-based ID card?
If you hold more than one nationality, please contact the call center (1900 1577) or visit a branch.
We will check your currently registered information and guide you through the necessary procedures.
Foreigners
If my personal documents(1) expired, by when do I need to update my mandatory customer information?
You need to submit the original valid passport and residence documents at the branch counter by December 2024. It is recommended to update your information as soon as possible.
(1) Personal documents: Valid Passport and Residence documents
I have loan product but do not make withdrawal/transfer transactions with my demand account. Do I still need to update my mandatory customer information when my personal documents expired?
If you do not update your valid personal documents, the withdrawal/transfer transactions from your account will be restricted. However, we recommend you to update your information to ensure smooth execution of your transactions.
I have an account that was opened during my previous stay in Vietnam. However, I am not using that account and staying abroad currently. Do I still need to update my mandatory customer information?
- If you are not currently using the account or SOL Mobile banking, you do not need to update customer information.
- You could continue using banking services without restriction after:
- You come back Vietnam and completes your personal documents at Branches/TOs; and/or
- You complete biometric registration via SOL Mobile banking (in case you are using SOL Mobile banking)
How can I check if my mandatory customer information has already been registered? How can I know the date when I can perform unrestricted banking transactions?
Customer could look up the registered information via SOL Mobile banking or call Contact Center (1900 1577) for more information.
Besides, the Bank will notify customers 30 days* before to the expiry date of personal document to promptly update information via SMS, eDM, App Push, and other methods.
*Based on the expiration date of the Passport and Residence documents customer have registered with the Bank.
The validity information of my passport or residence documents does not match the information in the message I received.
Please contact the Call Center (1900 1577) or nearest branch, we will check the currently registered information and guide you through the necessary procedures.
I have been issued a new passport. By when do I need to update my passport information?
You should come to nearest branch/TO to update personal documents as soon as possible.
When visiting the branch, you must submit your new passport with residence documents.
After completing update your personal documents, you could conduct unrestricted banking transaction until the expiry date of your current passport or residence documents.
I cannot register my mandatory customer information through a branch or SOL Mobile banking due to personal circumstances. Can my family or a third party submit my passport & necessary documents to update my information on my behalf?
No, it is not possible.
You must visit the branch to present your personal documents to verify the authenticity of your Passport and residence documents and complete the identity verification process
I am currently staying abroad, not in Vietnam. Until when can I make transfer transactions through SOL Mobile banking?
- The update personal documents must be processed at branch. If your personal documents expired and you are unable to enter Vietnam to update, SOL Mobile banking transactions will be restricted from 01st January 2025.
- Biometric could be registered via SOL Mobile banking. We recommend you should update your personal documents before 01st January 2025 to avoid transaction restrictions.
Can I visit a Shinhan Bank branch in Korea or overseas to update my customer information?
Shinhan Bank in Korea or overseas, and Shinhan Bank Vietnam are all subsidiaries of Shinhan Financial Group.
Therefore, the above organizations are considered as third parties and Shinhan Bank Vietnam has no policy on this issue. Therefore, customers need to update their personal information at Shinhan Bank Vietnam.
I have an account that was opened during my long-term stay in Vietnam and currently the residence documents are expired. I am now living in Korea/ abroad and I will enter Vietnam for short-term purposes (Business trip, Tourism, Family visit, etc.) If I e
If you have entered for short-term purposes, the entry stamp on the passport will serve as a valid proof of residence (residence documents).
Therefore, you can extend the validity of residence documents by visiting the branch and submitting your passport; and register biometric (in case customer has not registered biometric yet)
However, if the residence documents expires, transactions via SOL banking might be restricted.
After returning to Vietnam and completing the update of customer information at the branch, you will be able to resume banking transactions.
I have a Certificate of Visa Exemption, which is valid for 5 years. Can I conduct unrestricted banking transactions during this 5-year validity period?
No, the validity of the certificate is 5 years, but this does not mean that the allowed duration of stay in Vietnam is also 5 years.
Generally, you can stay for a maximum of 180 days according to the latest entry stamp on your passport, and you can conduct unrestricted banking transactions within this period.
If you re-enter Vietnam and the duration of stay is extended, you must visit the branch to request an update information.
Do I need to install SOL Mobile banking to register mandatory customer information?
- To update personal documents: You must visit the branch to submit a valid passport and Residence documents in Vietnam;
- To register biometric: You must install SOL Mobile banking.
In case you have not registered SOL Mobile banking, you should come to branch and submit personal documents to request register Internet Banking and install SOL mobile banking. After that, you must complete the selfie verification using front camera and passport photo verification via SOL banking to register biometric.
I hold two nationalities, and I am currently unable to extend the passport or residence documents of my registered nationality. Can I switch to using the passport or residency documents of my other nationality?
If you hold more than one nationality, please contact the call center (1900 1577) or visit a branch. We will check your currently registered information and guide you through the necessary procedures.
I have registered an Authorized person at the Bank to make payment and withdrawal transactions on my behalf at the branch counter. In order to make banking transactions without restrictions, (1) what information needs to be updated? And; (2) who will need
(1) In order to make banking transaction at branch counter, customer’s personal documents must be updated in case of expiration.
(2) Both the account holder and the authorized person must update their mandatory customer information to enable withdrawal/transfer transactions.
If account holder’s personal documents expired but only the authorized person updates information, payment and withdrawal transactions will not be possible starting from 01st January 2025.
| Mandatory customer Info. update status | People who are allowed to make transactions at Branches/TOs | |
| Account Holder | Authorized Person | |
| O | X | Account Holder |
| O | O | Account Holder or Authorized Person |
| X | O | None |
* Note: O – Not expired and X - Expired
