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To comply with State Bank of Vietnam regulations on payment services and to strengthen system safety, several banks have begun suspending 24/7 fast transfers for high-value transactions above 500 million dong. Under the new arrangement, processing time is at least four business hours, and transactions initiated after 15:55 will be moved to the next business day.
Earlier, Eximbank said that interbank transfers above 500 million dong would be processed only through the standard channel. The bank also stated that its online applications would not automatically split such transactions to accelerate processing via Napas.
In early April 2026, VPBank and TPBank issued similar notices to align with central bank requirements.
Previously, many banks offered a “24/7 fast transfer splitting” feature. The system would automatically split interbank transfers above 500 million dong into smaller transactions, typically 450 million dong plus the remainder. Some banks charged around 10,000 dong per split, though most later waived the fees. This allowed online transfers to be processed through Napas so recipients could receive funds immediately, regardless of time or holidays.
According to Circular 41/2025/TT-NHNN amending Circular 40/2024/TT-NHNN, the maximum value of a fund transfer instruction processed via the State Bank’s Electronic Clearing System cannot exceed 500 million dong. If an instruction exceeds this limit, the bank’s system switches to the normal channel, with processing time of at least four hours. If the transaction is initiated outside business hours, it will be completed on the next business day.
As a result, transfers above 500 million dong made after regular business hours on a Friday may have to wait until Monday for the beneficiary to receive the money. Banks therefore advise customers to conduct multiple transfers below 500 million dong if fast transfer is needed.
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