Buzz
The product packages of NCB bank (National Citizen Bank) are extremely diverse along with attractive incentive policies, attracting a large number of customers to participate. Among them, opening an NCB bank account is the service that confuses many users the most because they do not really understand the process and procedures.
Open an NCB bank account
Some other banks do not offer online account opening services, but NCB provides both to bring maximum convenience to users. Below are the conditions and the simplest way to open an NCB bank account that you can refer to.
Conditions for opening an NCB bank account
Like other banks, customers need to be at least 18 years old and bring their identification card (ID)/citizenship card/passport when visiting NCB transaction locations. Bringing these necessary documents is a mandatory requirement regardless of which bank you open an account with. However, depending on the bank, you may be required to bring the original documents or notarized photocopies.
Types of NCB bank accounts
Regular Payment Account:
- Applicable for both VND and foreign currency
- Requires a minimum balance of 50,000 dong or 10 USD/account
- Includes accompanying services such as NCB debit card, SMS Banking, Internet Banking, Mobile Banking,...
Smart Account:
- Only applicable for deposits in VND
- Average balance: 1,000,000 dong/month
- Includes similar accompanying services as regular payment accounts
Zero-Balance Account:
- Applicable for VND currency and designed for young adults
- No fees whatsoever including SMS Banking, account management fees
- No minimum balance required
Account Opening, Deposit, and Withdrawal Fees for NCB Bank Account
- Account Opening: Free
- Account Management: 5,000 VND/month (average balance below 100,000 VND/month); 1 USD/month (average balance below 10 USD)
- Cash Deposit into Account: Same province/city (free); different province/city (10,000 VND - 1,000,000 VND).
- Withdrawal from Account: Same province/city (free); different province/city (10,000 VND - 1,000,000 VND)
How to Open an NCB Bank Account
Opening an NCB Bank Account at the Counter
Opening an NCB bank account is not difficult because if you go directly to the counter, you will be guided by staff through the registration steps. However, customers need to note that to open a bank account, they must bring their identification card (ID/passport/citizenship card) to NCB bank branches or transaction offices. If you are not familiar with NCB transaction locations, you can refer to Here.
Application form for opening an account at NCB Bank.
Open NCB Bank account online
To help customers save time by not having to visit bank counters to open accounts, make cards, NCB Bank offers online account opening services that you can quickly do from anywhere. The online account opening process is simple with the following basic steps:
Customers access the bank's website: ncb-bank.vn => Click on the open account option on the menu bar => You will see a form appear on the screen with fields requesting personal information, contact => Fill in the blank spaces with information such as name, phone number, ID card/passport/ID card,... => After completing the form, proceed to Submit to send the account opening request to the bank.
Essential services to consider when opening an NCB Bank account
In addition to the account opening service, many customers also opt for additional accompanying products such as ATM card issuance, Internet Banking, SMS Banking,... Each service has its own benefits, so depending on the needs, customers can choose the suitable product for themselves.
*) SMS Banking
This service allows users to receive detailed notifications of transactions, balance changes, promotional programs, and offers from NCB. The monthly service maintenance fee is 8,000 VND.
*) Internet Banking
This service provides convenience to customers by saving time in receiving, transferring money, paying bills, topping up mobile phones,... via internet-connected devices such as computers, mobile phones, iPads,... on NCB's website. To use Internet Banking service, customers need to register when opening accounts at branches or transaction offices. After a successful registration process, customers will be provided with a username and password to access their accounts.
Before logging in, you need to visit the website: ncb-bank.vn then click on the Online Banking section. Then, customers should access and change the temporary password provided by the bank to activate the account. The maintenance fee for this service when used individually is 6,000 VND/month (basic package) and 9,000 VND/month (premium package).
Login frame with username and password provided by the bank.
*) NCB Smart Mobile Banking
Similar to Internet Banking, Mobile Banking allows transactions within the system, interbank transfers 24/7, utility bill payments, flight ticket purchases, balance inquiries, interest rates, promotional programs,... through the app installed on mobile phones. Service fee: 6,000 VND/month (basic package); 9,000 VND/month (premium package) when customers use each service individually. When using both Internet Banking and Mobile Banking simultaneously, the basic package fee is 6,000 VND/month; premium package (9,000 VND/month).
The guidance on opening NCB Bank accounts provided here will greatly assist you in considering account opening. Each bank has different account opening forms and policies, so you may also refer to how to open OCB Bank accounts, Sacombank, PGBank,... to choose the best service for yourself.
If customers have any questions or inquiries about the services, products provided by NCB, they can contact the NCB Bank hotline for timely assistance. For any issues related to NCB's working hours, account information inquiries, please call hotline: 18006166 or 02838216216. The hotline staff will receive requests and provide customers with quick and highly efficient support. Additionally, you can refer to how to register for NCB Internet Banking here.
