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Kiên Long Bank (KienlongBank) reported to the State Bank of Vietnam that a customer, Mr. Nguyễn C.S., alleged his online account was debited in 11 transactions totaling 5 billion VND between 12 December 2025 and the early hours of 13 December 2025. The customer said he did not carry out the withdrawals.
The account was opened using electronic identification (eKYC). According to the bank, the customer’s report concerns unusual transactions that occurred shortly after the account was established.
Kiên Long Bank conducted a comprehensive review covering biometrics, login devices, IP addresses, and OTP history. The bank said all transactions were validated using OTP codes sent to the customer’s registered phone number.
On 23 February 2026, the bank received a request from the State Bank of Vietnam to clarify the customer’s report of unusual transactions.
The bank stated there is no basis to attribute the incident to a system fault. It said the scenario of high-tech fraud—where criminals may have obtained the OTP or gained access to the customer’s account—remains possible.
The bank said the customer opened the account after being approached via Facebook with promises of high interest rates. Bank staff warned that the approach was not compliant with regulations and advised the customer not to share OTP information.
The bank said it has proactively sent an investigation request to the Hanoi Police’s Cyber Security and High-Tech Crime Division (PA05) and provided relevant data. Authorities have not yet issued an official conclusion.
Legal commentary in the article emphasized that cybercrime is increasingly sophisticated and that responsibility for account safety lies with both banks and customers.
Experts noted that as digital transformation accelerates, cases often arise when users unknowingly share credentials or OTPs through fraudulent links, calls, or malware. They highlighted the need for secure banking practices and ongoing customer education.
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