Frequently Asked Questions: Spending

From July 1, 2024, according to Decision 2345/NHNN of the State Bank, transactions exceeding the limit must be authenticated biometrically using facial recognition when performing transactions on Techcombank Mobile or Techcombank Online Banking, specifically:

• Transfers over 10 million VND per transaction, cumulatively over 20 million VND per day.
• Payments over 100 million VND per transaction or cumulatively over 100 million VND per day.
• International transactions or foreign currency exchanges.
• The first financial transaction on a new device, first login, or when changing the device used for Techcombank Mobile.
• Batch transfers and tax payments on eTax Mobile.

From January 1, 2025, according to Circular 17/2024/TT-NHNN, customers cannot make transactions on Techcombank Mobile, Techcombank Online Banking, or card transactions if they have not updated their biometrics.

Starting from July 1, 2024, Techcombank will apply an additional biometric authentication step for your transactions to meet the State Bank's security standards and to protect customer assets when performing certain transactions on digital banking channels. If the information matches, the transaction will proceed; if not, the system will request you to retake the photo and the transaction will not be processed at that time.

To check the status of your biometric information, please follow these instructions on Techcombank Mobile:

• Access Techcombank Mobile, select the top left icon, choose "Settings", then select "Personal Information".
• If the "Biometric Information" field status is "Updated", you have successfully updated your biometric information. If the screen displays the message "Supplement biometric information to complete account security", you have not completed the registration and need to update your biometric information.

When following the instructions on Techcombank Mobile to update biometric information, on the introduction screen, press "Update Now". The system will automatically recognize if your mobile device is capable of reading the chip on the Citizen Identification Card (NFC).

If a message appears saying "Please visit the branch to update information", it means your mobile device does not support this technology.

To ensure a seamless experience when adding biometric information using the new Citizen Identification Card with a chip, Techcombank also supports updating the Citizen Identification Card information in the system when you complete the biometric information update. You can update your Citizen Identification Card information while adding biometric information on the Techcombank Mobile application (applicable to devices that support NFC chip reading) or at Techcombank branches.

Customers with old ID cards/Citizen Identification Cards will be supported with biometric updates at Techcombank transaction counters.

After July 1, 2024, online transactions that fall under the regulations of the State Bank and Techcombank will require biometric authentication. Other online transactions not under these regulations will continue to be processed as usual.

From January 1, 2025, according to Circular 17/2024/TT-NHNN, customers cannot make transactions on Techcombank Mobile, Techcombank Online Banking, or card transactions if they have not updated their biometrics.

Biometric updates are done by taking a photo with the front camera of the phone, so if your device does not have FaceID, it will not be affected.

Currently, Techcombank offers two channels to update biometric information:

1. Techcombank Mobile

2. Techcombank branchs.

You need to use your identification documents and personally perform the biometric information update.

From March 31, 2024, customers who open accounts using NFC from the chip of the Citizen Identification Card will not need to collect biometric information again.

After July 1, 2024, customers can still update biometric information via Techcombank Mobile or bring their chip-enabled Citizen Identification Card to Techcombank branches/transaction counters, where staff will assist with the update.

You can call Hotline: 1800588822 or visit any Techcombank’s transaction office or branch for help

There are many reasons why you can’t make transactions via your card. Please contact Techcombank's Hotline 24/7 – the phone number on the back of the card for assistance in checking card status.

You can go to any Techcombank’s branch/transaction office to exchange the money. There will be no fees for this transaction.

You need to do the following 2 steps:
1. Sign on 1 payment invoice (for units)
2. Then call the Hotline number on the back of the card for assistance with tracing 

In this case, you need to register via F@st i-bank or a branch/transaction office to request a new PIN. You only call the Hotline in case the card is locked due to incorrect PIN input and still remember your PIN.

You can do one of the following ways:
1. Insert the card into any Techombank’s ATMs for information; or
2. Using the phone number registered with the bank to call Techcombank's Hotline at 1800 588 822; or
3. Look up via F@st i-bank, F@st Mobile

At the present time, the card personalization system is secure and cannot be interfered, so it cannot be selected under your request. However, it is possible to choose a customer ID with a nice number and charge a fee according to the Bank's regulations from time to time.

You can use the same PIN issued by Techcombank or you can change it to another PIN (at Techcombank’s ATMs) to use the cards.

You can go to any Techcombank’s transaction office or branch to request a PIN re-issuance or send a PIN re-issuance request via F@st i-bank service. PIN re-issuance fee is regulated by Techcombank from time to time. PIN renewal fee for debit cards/credit cards is available here

In this case, you need to register via F@st i-bank or a branch/transaction office to request a new PIN. You only call the Hotline in case the card is locked due to incorrect PIN input and still remember your PIN.

CVV stands for Card Verification Value. CVV2 is a code to authenticate cardholders when making transactions via cards on the Internet

In case the time of complaint is less than 6 months since the card is issued, Techcombank will get the card back and consider supporting the re-issuance free of charge. In case it is more than 6 months, please go to Techcombank's branch/transaction office to re-issue a new card according to regulations.

MOTO Transaction (Mail Order/Phone Order): is a transaction where the cardholder uses the card’s information to order goods and services via phone or email or other means of communication from agents where the card is accepted. In which, the card and/or the cardholder does not have to be present at the agents

It depends on when the card was issued and the cause of the card being unusable. If it’s not due to you, after receiving the complaint, Techcombank will support, so that you can continue to use Techcombank's card service.

You can go to any Techcombank’s transaction office or branch to request a card re-issuance

You can only use OTP passwords at websites that integrate 3D Secure Verified by Visa service

You can go to any branch/transaction office of Techcombank for support in registering to change transaction limit or use the service of registering for change of transaction limit online via F@st Mobile application (up to 3 billion VND). Your  request is completely free of charge
(Note: limit registration via F@st Mobile only works for F@st Mobile, not for F@st ibank)

In this case, you will not be charged any fees.

- Debit card: foreign currency conversion management fee and transaction processing fee
- Credit card: foreign currency transaction fee
Fees and charges are regulated by Techcombank from time to time, see details here

The program is applicable to all customers using Techcombank's e-banking services: free of all transfer fees (including interbank transfers, 24/7 instant transfers and money transfers within the Techcombank system). Customers will 100% free for all payment transaction fee, registration fee and service maintenance fee.

Requests for assistance such as: card lock/unlock, registration/cancellation for the Internet payment feature of the card, registration/cancellation of automatic debit..., you can do through the following channels:
- Techcombank’s branch/transaction office 
- F@st i-bank
- Techcombank Customer Service via hotline: 1800588822 (if you are in Vietnam) or (84-24) 39449626 (if you are abroad)
- Techcombank's ATMs
With request for help with card reissuance or to increase credit card’s limit : Please go to any Techcombank’s transaction office or branch for help.

You can make the following requests via Techcombank Customer Service Call Center: temporarily lock the card, permanently lock the card, lock the Internet payment feature, reset the PIN (if you still remember the PIN), check complaints and card recall 

You can make a request to register/unsubscribe for the Internet payment feature

Customers can register for an E-Banking account online by using the card’s information issued by Techcombank (including current cards & active credit cards) here. The registration is completely free, and the e-banking account will be used immediately.
In addition, customers can register at any branch/transaction office of Techcombank.

You can register for password recovery at Techcombank’s branch/transaction office or get online password recovery here.

You can go to any store of Vascara or other brands nationwide where you receive preferential information from Techcombank, select the products you want to buy and make payments via Techcombank card. When making payment, ask the cashier to apply special offers for Techcombank cardholders, you will receive a discount directly on the total bill

You can go to Techcombank's official website https://www.techcombank.com.vn to find out more information about special offers for Techcombank cardholders or look up information at your personal email box with promotional information emails sent from Techcombank

You visit the official website of that cosmetic brand to make purchases and payments and then enter the code “TECHCOBANK” to receive a direct discount for your order.

You visit the official website of Air Asia, select your journey, and make payment. At the payment step, you only need to enter your card information to pay, if you receive a request to enter a code to apply the offer, then enter the code. If the code is not mentioned, the offer will be applied through Techcombank's card information, after you enter the card information, the price will be updated with the reduced discount price, and you complete the purchase.

When you lose your card, you need to immediately contact Techcombank to lock your card in the following ways:
- Lock your card online via Techcombank's F@st i Banking/F@st Mobile service
- Call Techcombank's hotline: 1800588822/180588823 (free) (if you are in Vietnam) or +84-24-3944 9626 (if you are abroad) for support in locking your card
- Email to Techcombank's 24/7 Customer Service mailbox: call_center@techcombank.com.vn or to any Techcombank transaction office or branch
After that, you can request for a new card re-issuance at any Techcombank transaction office or branch

Please contact Techcombank for help in one of the following ways:
- Contact Techcombank's 24/7 Customer Service at: 1800 588 822/1800 588 823 (if calling within Vietnam) or +84 24 3944 9626 (if calling from abroad), email: call_center@ techcombank.com.vn
- Go to any Techcombank’s transaction office or branch
- Make a request via F@st i-Bank service

Please contact Techcombank for help in one of the following ways:
- Contact Techcombank's 24/7 Customer Service at: 1800 588 822/1800 588 823 (if calling within Vietnam) or +84 24 3944 9626 (if calling from abroad), email: call_center@ techcombank.com.vn
- Go to any Techcombank transaction office or branch
- Make a request via F@st i-Bank service

Techcombank Spark international credit card is a Platinum card of MasterCard with a credit limit of VND 50 million or more.

If you are an existing customer of VinID and satisfy the conditions for issuing Techcombank Spark international credit cards, we will actively contact or notify you via the application on your smartphone.

Yes, you can. You can maintain 2 types of credit cards at the same time. However, the total credit limit of both your credit cards at the same time cannot exceed the maximum credit limit that you were granted by Techcombank.

The supplementary cardholders can use the same limit with the primary cardholder. The specific limit is requested by the primary cardholder but not exceeding the credit limit granted to the primary cardholder by the bank

According to Techcombank's regulations, supplementary cardholders do not need to prove their income

Statement date is the date when Techcombank makes a statement detailing transactions arising in the statement period related to the issuance and use of your credit card (including primary and supplementary cards). The statement date is shown on the statement sent to you.

There are 2 ways to activate your credit card:
You compose a message with the following syntax:
TCBKHT <first 6 digits last 4 digits of card> <ID number/Passport/CCCD> send to 8049.
Example: TCBKHT 4220751234 0123456789
OR You login Techcombank's F@st Mobile app, then select “Card” section to activate the card.

No. You can use the card immediately without changing your PIN for the first time at ATMs.

Techcombank sets a specific statement date for each credit card. If you want to use a card with a statement date different from the current one, you need to change the card type/card class to match that statement date. In some cases, you need to cancel and pay off the balance of the old card.

You can pay off your credit card balance in one of the following ways:
Automatic debit: You register for automatic debit service at any transaction office or branch of Techcombank or via F@st i-Bank (Internet Banking). You can register to pay the minimum value or pay the full balance of the credit card statement.

Make payment via F@st i-Bank or F@st Mobile or ATM: You make online transfer/payment of credit card debt balance from your current account opened at Techcombank to their credit card account

Make payment by cash or transfer at Techcombank's transaction counter: You can go to any Techcombank’s transaction office or branch toyou’re your credit card balance by payment by cash or transfer from your current account opened at Techcombank to your credit card account.

Transfer from another bank: You transfer money from another bank with the following information: your full name, your credit card account number, (shown clearly on the periodic statement).

For withdrawal transactions with Techcombank Spark international credit card at another bank's ATMs, Techcombank will charge a fee of 4% of the transaction value and a minimum of 100,000 VND (10% VAT included). In addition, you may incur an additional fee collected by the host bank of the ATM, this fee is different depending on the regulations of each bank.

When using Techcombank Spark credit card to pay bills in foreign currencies, Techcombank will collect a fee for your foreign currency spending management at the rate prescribed by Techcombank from time to time. Please see the fee here.

Yes. The payment of your debt is only counted as successful when Techcombank's system records your transaction (Techcombank receives a statement with the stated actual amount). Payments received after Techcombank's working hours will be carried over to the next working day

In this case, the system will not deduct any further debt. If you want to pay the full balance of your statement, you must pay/transfer money to your credit card account for payment.

If the statement date is Saturday, Sunday or public holidays, the statement date will be moved up 02 working days before. Specifically, the statement date will be moved to Friday, December 8^th

You need to enter the last 4 digits of the card and enter a random security code automatically provided by the system

Vietnam Airlines Techcombank Visa international credit card has 3 classes: 

• Techcombank Visa Classic: credit limit from 10 million VND to less than 50 million VND
• Techcombank Visa Gold: credit limit from at least 50 million VND
• Techcombank Visa Platinum: credit limit from at least 90 million VN

If you are subject to pre-approval according to Techcombank’s regulations, we will actively contact you or notify you via the application on your smartphone.
If you are not subject to pre-approval and do not have enough proof of income, you should register to be issued a card in the form of a passbook mortgage.
If you have a Lotusmiles card of Titan class or higher and have a minimum validity of 2 months, you do not have to submit proof of income.

Techcombank only applies the mortgage of the passbook opened at Techcombank as a collateral for the issuance of credit cards in the form of collaterals.

Yes. You can maintain 2 types of credit cards at the same time. However, the total credit limit of both your credit cards at the same time cannot exceed the maximum credit limit granted to you at Techcombank.

According to Techcombank's current regulations, the supplementary cardholders do not need to be Lotusmiles’ members

According to Techcombank's regulations, it’s not necessary for the supplementary cardholders to prove their income.

The supplementary cardholders can use the same limit with the primary cardholder. The specific limit is requested by the primary cardholder but not exceeding the credit limit granted to the primary cardholder by the bank

Customers compose a message with the following syntax:
TCBKHT <first 6 digits last 4 digits of card> <ID number/Passport/CCCD> send to 8049.
For example: TCBKHT 4220751234 0123456789.

No. You can use the card immediately without changing your PIN for the first time at ATMs.

Customers can only add points to Lotusmiles account when using Vietnam Airlines Techcombank Visa international credit card to pay bills for goods and services.

For withdrawal transactions via Techcombank Visa international credit cards at ATMs of other banks, Techcombank will charge a fee of 4% of the transaction value and a minimum of 100,000 VND (10% VAT included). In addition, you may incur an additional fee collected by the ATM host bank, this fee is different depending on the regulations of each bank.

When using a Techcombank Visa credit card to pay bills in foreign currencies, Techcombank will collect a fee for your foreign currency spending management at the rate prescribed by Techcombank from time to time. Please see the fee here.

Please come to Techcombank’s branches to request an increase in your card's credit limit and provide proof of income/passbook. Techcombank will consider and resolve if your request is valid.

Statement date is the date when Techcombank makes a statement detailing transactions arising in the statement period related to the issuance and use of your credit card (including primary and supplementary cards). The statement date is shown on the statement sent to you.

If the statement date is Saturday, Sunday or public holidays, the statement date will be moved up 02 working days before. Specifically, the statement date will be moved to Friday, December 26^th

You need to enter the last 4 digits of the card and enter a random security code automatically provided by the system

You can pay off your credit card balance in one of the following ways:
 

• Automatic debit: You register for automatic debit service at any transaction office or branch of Techcombank or via F@st i-Bank (Internet Banking). You can register to pay the minimum value or pay the full balance of the credit card statement.
• Make payments via F@st i-Bank or F@st Mobile or ATM: You make online transfer/payment of credit card debt balance from your current account opened at Techcombank to their credit card account
• Make payments by cash or transfer at Techcombank's transaction counter: You can go to any Techcombank’s transaction office or branch toyou’re your credit card balance by payment by cash or transfer from your current account opened at Techcombank to your credit card account.
• Transfer from another bank: You transfer money from another bank with the following information: your full name, your credit card account number, (shown clearly on the periodic statement).

Yes. The payment of your debt is only counted as successful when Techcombank's system records your transaction (Techcombank receives a statement with the stated actual amount). Payments received after Techcombank's working hours will be carried over to the next working day

To be issued a F@stAccess debit card, you just need:
1. Person aged full 15 years or older
2. Have a current account at Techcombank

Besides Techcombank's ATMs, you can use your F@stAccess card at ATMs of all banks in the Napas card alliance nationwide.

According to Techcombank's regulations, you need to change your PIN for the first time before using your F@stAccess card.

The required F@stAccess card PIN consists of 6 numbers.
Please note that you do not give your PIN to others, do not save it on paper. Avoid using your ID number or date of birth as a PIN.

Yes. You can use your F@stAccess card to make online payments on websites that accept F@stAccess cards (for example, Vietnam Airlines’s website, ...)

You can only use your F@stAccess card to transfer money from Techcombank’s account to another beneficiary account in Techcombank’s system on Techcombank’s ATMs.

Your F@stAccess debit card is automatically activated for online payments right after issued
If you do not have the need to use this feature, you need to cancel with the bank immediately upon registration for card issuance.

1. Your card can be paid online at domestic websites (merchant country is Vietnam) or other websites that allow payments via Napas
2. When paying online via F@st Access card, in addition to the PIN to enter, the transaction is secured by a password verification step that is automatically sent to you to complete the transaction.

Please contact Customer Service 24/7 at: 1800588822/ 1800588823 (for priority customers) or go to the nearest branch for support.

The remaining amount in your account as well as your account for card issuance will still be maintained. However, you should be issued another F@stAccess card to replace the expired card for convenience of use.

Please do one of the following:
1. Contact Techcombank Customer Service 24/7 on 1800 588 822 or (24) 3944 6699 (for overseas customers)
2. Login user of your F@st i-bank account to make a request to lock your card permanently or temporarily

With F@stAccess debit card, you can be re-opened your card, the bank will receive your request for help in unlocking your card via branch/transaction office, or via F@st i-bank. However, you need to consider reopening because the card has potential risks in the future.

The program "Cashback 1% - Swipe is happy" is a cashback program on the total value of payment via Techcombank's debit cards that customers use for transactions.
The program’s details here

To receive the offer of the program "Unlimited cashback - Techcombank debit card - Swipe is happy", You need to do:
- Pay for spending, purchase goods and services at card-accepting points or by electronic methods (Internet, Mail/Phone order...) via Techcombank debit cards.
- These transactions are recorded as successful on the card system of Techcombank and/or the card organization.
The program’s details here

With the program "Unlimited cashback - Techcombank debit card - Swipe is happy", customers will enjoy the following offers:
1. Unlimited amount of refund
2. Unlimited spending aspects (restaurants, hotels, supermarket shopping, tourism, healthcare, education, or payment of living expenses such as electricity, water, ...).
3. Unlimited number of customers.
4. Refund 1% of the total payment amount via Techcombank debit card every month.
The program’s details here

With the program "Unlimited cashback - Techcombank debit card - Swipe is happy", cashback = 1% * total amount spent
In which, the total amount of spending is recorded on the Techcombank’s card system - valid transactions recognized by law on the last day of each month.
The program’s details here

In the program "Unlimited cashback - Techcombank debit card - Swipe is happy", with valid transactions, the money will be refunded from the 20th to the 30th of the next month, or the next working day if the 30th is a day off/holiday according to Techcombank's regulations.
During the promotion period, if you need any information, please contact Customer Service 24/7 at 1800588822 or the nearest Techcombank Branch.
The program’s details here

If you are not yet a Techcombank’s customer or do not have a Techcombank debit card, you will not be able to enjoy the promotion of the program "Unlimited cashback - Techcombank debit card - Swipe is happy".
To join the program, please bring your valid ID/CCCD/Passport to the nearest branch/transaction office for support in opening and spending via Techcombank debit card.
The program’s details here

Techcombank Visa includes 5 classes: 
- Techcombank Visa Classic: credit limit from 10 million VND to less than 50 million VND
- Techcombank Visa Gold: credit limit of 50 million VND or more
- Techcombank Visa Platinum: credit limit from 90 million VND or more
- Techcombank Visa Signature: credit limit from 120 million VND or more
- Techcombank Visa Infinite: limited release for high-end customers of Techcombank

If you are subject to pre-approval according to Techcombank’s regulations, we will actively contact you or notify you via the application on your smartphone.
If you are not subject to pre-approval and do not have enough proof of income, you should register to be issued a card in the form of a passbook mortgage.

Please come to a branch to request an increase in your card's credit limit and provide proof of income/passbook. Techcombank will consider and resolve if your request is valid.

Statement date is the date when Techcombank makes a statement detailing transactions arising in the statement period related to the issuance and use of your credit card (including primary and secondary cards). The statement date is shown on the statement sent to you

Techcombank only applies the mortgage of the passbook opened at Techcombank as a collateral for the issuance of credit cards in the form of collaterals.

Have. Customers can maintain 2 types of credit cards at the same time. However, the total credit limit of both your credit cards at the same time cannot exceed the maximum credit limit granted to you by Techcombank.

According to Techcombank's regulations, it’s not necessary for the supplementary cardholders prove their income

The supplementary cardholders can use the same limit with the primary cardholder. The specific limit is requested by the primary cardholder but not exceeding the credit limit granted to the primary cardholder by the bank

Customers compose a message with the following syntax:
TCBKHT <first 6 digits last 4 digits of card> <ID number/Passport/CCCD> send to 8049.
For example: TCBKHT 4220751234 0123456789.

You can use the same PIN issued by Techcombank or you can change it to another PIN (at Techcombank’s ATMs) to use the card.

You can pay off your credit card balance in one of the following ways:

• Automatic debit: You register for automatic debit service at any transaction office or branch of Techcombank or via F@st i-Bank (Internet Banking). You can register to pay the minimum value or pay the full balance of the credit card statement.
• Make payment via F@st i-Bank or F@st Mobile or ATM: You make online transfer/payment of credit card debt balance from your current account opened at Techcombank to their credit card account
• Make payment by cash or transfer at Techcombank's transaction counter: You can go to any Techcombank’s transaction office or branch toyou’re your credit card balance by payment by cash or transfer from your current account opened at Techcombank to your credit card account.
• Transfer from another bank: You transfer money from another bank with the following information: your full name, your credit card account number, (shown clearly on the periodic statement).

For withdrawal transactions via Techcombank Visa international credit card at another bank's ATMs, Techcombank will charge a fee of 4% of the transaction value and a minimum of 100,000 VND (10% VAT included). In addition, you may incur an additional fee collected by the host bank of the ATM, this fee is different depending on the regulations of each bank.

When using Techcombank Visa credit card to pay bills in foreign currencies, Techcombank will collect a fee for your foreign currency spending management at the rate prescribed by Techcombank from time to time. Please see the fee here.

Yes. The payment of your debt is only counted as successful when Techcombank's system records your transaction (Techcombank receives a statement with the stated actual amount). Payments received after Techcombank's working hours will be carried over to the next working day

In this case, the system will not deduct any further debt. If you want to pay the full balance of your statement, you must pay/transfer money to your credit card account for payment.

If the statement date is Saturday, Sunday or public holidays, the statement date will be moved up 02 working days before. Specifically, the statement date will be moved to Friday, December 8^th

You need to enter the last 4 digits of the card and enter a random security code automatically provided by the system

When paying via a Contactless card, it is a touch-to-pay method that doesn't require any other paperwork, but you can still request a bill when needed.

No. The Contactless payment machine is designed with only 1 transaction for 1 card at the same time. To ensure safety, each transaction must be completed or canceled before proceeding with another transaction.

Applicable to Visa cards: credit cards, payment/debit cards and prepaid cards.

With a credit card, you can check the details of your spending transactions through your monthly credit card statement sent by Techcombank. With a debit card, you can check your spending transactions on the bank’s sub-book/ list your account transactions through Techcombank's e-banking service applications.

No. The Contactless design ensures that the cardholder will always be in control. First, the seller needs to enter the payment amount and your card needs to be kept at a distance according to the regulations of the device for the transaction to be possible. The Contactless payment machine only processes 01 transaction at a time.