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Eximbank, TPBank, and VPBank have stopped the automatic feature that splits interbank transfer orders above 500 million dong, meaning transactions above this threshold may take several hours or require waiting until the next business day to process.
Eximbank announced that interbank transfers over 500 million dong will be executed only via the normal channel from April 21. The bank’s online applications will not automatically split transactions to process quickly through Napas.
Earlier this month, VPBank and TPBank issued similar notices, citing compliance with regulations from the State Bank of Vietnam.
Previously, many banks offered a “247 fast transfer splitting” feature. Under this setup, the bank system automatically split interbank transfers over 500 million dong into smaller parts—typically 450 million dong plus the remainder. Some banks charged about 10,000 dong per split, though most later waived the fee. This allowed online transfers to be processed through the Napas switch, enabling recipients to receive funds immediately, any time day or night.
Under an amended circular on providing payment intermediary services effective from 11/2025, the maximum value of a dong-denominated payment order through the State Bank of Vietnam’s electronic interbank settlement system cannot exceed 500 million dong. When an order exceeds this limit, the bank’s system switches to the normal channel, with processing time of at least 4 hours. If the transaction is initiated outside business hours, it will be completed on the next business day.
If a transfer above 500 million dong is made after Friday business hours, beneficiaries at some banks may have to wait until Monday to receive the money.
Banks therefore advise customers to proactively execute multiple transfers below 500 million dong if fast transfers are needed.
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