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Terms and Conditions of VIB Debit Card

Conditions to open a debit card

Nationality
Vietnamese
Foreigner with residence permit in Vietnam from 12 months
Residence/Working Addressc
Vietnam
Age
From 18 years old

Required documents

Personal document

Vietnamese
A copy of Identity/Passport/Household registration book

Foreigner
Passport/Visa/Temporary Residence Certificate/Labour Contract/Other document to support residence permit in Vietnam

Terms and Conditions for opening and use of VIB debit cards
Article 1: Definitions
1.1. Cards are issued by the Bank to perform card transactions under the conditions and terms agreed by the parties. For the purposes of these terms, cards include domestic debit cards, international debit cards, and/or other debit cards issued by the Bank according to the customers’ registration.
- Domestic debit cards mean debit cards issued by the Bank on the basis of the customers’ current accounts opened at the Bank, used to withdraw cash, perform some other services in the automated teller machines (ATMs) and pay for goods and services at POS units in the territory of Vietnam.
- International debit cards mean debit cards issued by the Bank on the basis of the customers’ current accounts opened at the Bank, used to withdraw cash, perform some other services in the automated teller machines (ATMs) and pay for goods and services at merchants of the International Card Organizations within and outside the territory of Vietnam.
1.2. Cardholders refer to individuals provided cards for use by the Bank, including primary and supplementary cardholders.
- Primary Cardholders refer to individuals whose names are stated in the agreements on the card usage as well as the obligation with the Bank to implement such agreements.
- Supplementary Cardholders refer to individuals who are permitted to use the cards by the primary cardholders under the agreements on the use of cards between the cardholders and the Bank. Supplementary Cardholders are responsible for the use of cards to the primary Cardholders and the Bank.
1.3. Accounts linked to cards mean account associated with cards and registered to the Bank by cardholders.
1.4. Card transactions refer to transactions in which cardholders use cards to withdraw cash, pay for goods and services or other licensed services provided by the Bank or other card payment institutions 
1.5. E-commerce transactions refer to transactions in which cardholders use card information to sell and purchase goods and pay for services via the Internet, telephone and mail.
1.6. Card validity period refers to the duration Cardholders are allowed to use cards. The validity period is shown on cards interface. In case of closed accounts by the Bank, cards are invalid.
1.7. International card organizations refer to Visa, MasterCard 
1.8. Automated Teller Machines (ATMs) are equipment of the Bank and others for cardholders to withdraw cash or conduct some other permitted transactions.
1.9. Merchants are organizations or individuals accepting payment of goods and services and providing withdrawal and submission service via cards following the agreements with the Bank.
1.10. Correspondent banks are banks authorized by VIB to perform some card services through Correspondent banks contracts on Card services.
1.11. Acquiring banks are financial and credit institutions conducting card payments through the merchant network and/or cash advance points and/or ATMs legally.
Article 2: Electronic signatures
Electronic Signatures in Card Services are personal identification number (hereinafter referred to as PIN), being passwords of cardholders offered by the Bank and used in some types of card transactions to authenticate the Cardholder.
Article 3: Card limits
3.1. Cardholders shall use the cards in accordance with their limits as specified by the Bank.
3.2. Cash withdrawal limit per a transaction is the total maximum cash allowed to withdraw by cardholders as specified by the Bank.
3.3. Daily withdrawal limit is the total maximum cash allowed to withdraw per day by cardholders as specified by the Bank.
3.4. If cardholders wish to change the card limits, they shall contact the Bank for consideration and changes followed the Bank regulation by period.
3.5. The above limits will be defined by the Bank by period for each service/ card type registered by cardholders.
Article 4: Card payment currencies
4.1. Within the territory of Vietnam, card transactions shall be implemented in Vietnam dong.
4.2. Outside the territory of Vietnam: transactions on international debit cards shall be implemented in Vietnam dong, Waivedly converted foreign currencies and others accepted to be payment currencies for current transactions in accordance with regulations of the laws.
Article 5:  Card issuance
5.1. Cardholders directly reach the Bank to receive cards/PINs or authorized others in document to receive cards/PINs or request the Bank to deliver cards/PINs by mail. The authorization letter shall be made in two (02) originals directly at the Bank, sighted and stamped by the Bank and each party shall hold one (01) original or certified copy. If cards/PINs are delivered by mail, Cardholders shall bear all risks which may be arising risks and send confirmation on PIN to the Bank upon their receipt of cards/PINs.
5.2. Cardholders shall change PINs at the ATMs right after using debit cards or upon receipt of reissued PINs.
5.3. To debit cards issuance request, cardholders shall collect cards within 90 days of issuance. After this timeline, cards will be canceled, and Cardholders shall bear card issuance fees and shall not have any complaint and claims against the Bank.
Article 6: Use of cards
6.1. The scope of cards usage: cards are used to pay for goods and services; send; submit; withdraw cash and use other services from ATMs.
6.2. Fees for cards usage: Cardholder shall pay fee for card services usage with fee types and rates determined by the Bank by period depending on cards types or services provided to cardholders and comply with the regulations of the laws. The fee schedule is publicized at the Bank’s headquarter and through the Bank’s official website.
Article 7: Responsibilities of cardholders 
Primary and supplementary cardholders shall be jointly and severally responsible for implementing the terms and conditions of card usage as agreed by cardholders and the Bank. Primary cardholders shall be responsible to the Bank for supplementary cardholders’ usage and payment of all card transactions to the Bank with invoices signed by both primary and supplementary cardholders as well as card PINs usage. Where primary cardholders are dead, missing or incapacitated, the payment to the Bank and receipt of account balances from primary cardholders’ accounts or the remaining amounts in cards shall be made under regulations of the laws.
Article 8: Refusal of card payment
Cards transactions by cardholders shall be refused by the Bank, including but not limited to the following cases: 
8.1. Cards counterfeit or related to fraudulent transactions;
8.2. Cards have been notified to be stolen or lost by Cardholders;
8.3. Available balances cannot cover the payments;
8.4. Cardholders fail to pay in full the debts, interest or fees as specified by the Bank;
8.5. Cardholders violate regulations of the State Bank of Vietnam, the Bank and card payment organizations or agreements between cardholders and the Bank;
8.6. Other cases as specified by the Bank by period.
Article 9: Rights of cardholders
9.1. Use cards to conduct transactions within the transaction limits as defined by the Bank.
9.2. To use cards on cardholders registered accounts. The rates applicable to foreign currency transactions are announced by the Bank at the transaction time.
9.3. To join close customer programs and enjoy promotional offers and discounts for cardholders.
9.4. To request the Bank to issue up to 2 supplementary cards; primary cardholders reserve the rights to review transactions of supplementary cards, but supplementary cardholders are not entitled to review transaction of primary cards.
9.5. Primary Cardholders reserve the right to unilaterally terminate the use of cards. In this case, supplementary cardholders shall be deemed to terminate the use of cards. Primary Cardholders reserve the right to request the Bank in document to stop using cards without supplementary cardholders’ consent.
9.7. To earn interest on accounts balances linked to cards under the Bank’s policies.
9.8. To make complaints and request the Bank to chargeback the card transactions under regulations of the Bank and international card organizations.
Article 10: Obligations of cardholders
10.1. To provide complete and exact information as required by the Bank upon card application request form and in the process of using cards. To notify the Bank of any change in personal information
10.2. Primary cardholders shall be obliged to open current accounts at the Bank and responsible for card transactions by supplementary cardholders.
10.3. To directly reach the Bank to get cards/PINs. In the case of authorizing other to receive cards, an authorization letter shall be made at the Bank or notarized/authenticated in accordance with regulations of the laws.
10.4. To change PINs upon receipt of cards and keep PINs confidential.
10.5. To be responsible for preserving cards/PINs. Not to transfer or give card to others for use.
10.6. To inspect and make full payment of fees related to card transactions as well as other fees as determined by the Bank from time to time. To ensure accounts linked to cards have enough balances to perform transactions and payment of fees.
10.7. To enter sample signature in the signature box on the back of the cards upon receiving cards. When trading at merchants, Cardholders shall sign bills with the same signature as the sample one apart from those without cardholders’ signature required.
10.8. To be responsible for transactions arising from the confirmation signing for card receipt.
10.9. To be responsible for payments of transactions with cardholders’ signatures and PINs and/or use of card information and other transactions if acquiring banks provide enough evidence of Cardholders’ transaction without signatures.
10.10. In case of lost/misplaced/PIN disclosed or suspiciously abused cards; Cardholders shall immediately notify the Bank as soon as possible with confirmation in writing later. Cardholders shall take further responsibilities for all the transactions made before the Bank’s receipt of such notice. Cardholders shall not use cards reported to be lost/misplaced and return them to the Bank if they are found.
10.11. Not to cancel or change any card transactions that have been successfully implemented at ATMs and POS units and recorded by the Bank’s system with full information on card numbers, account number, transaction codes and other operational details.
10.12. To solely bear responsibilities and risks (if any) related to e-commerce transactions
10.13. For international debit cards: cardholders shall pay the disputed card transactions and charges incurred in accordance with regulations of the International Card Organization when the disputes submitted to the international arbitration and cardholders lose.
10.14. To solely bear responsibilities and risks (if any) related MOTO (card not present) transactions and others via card. Cardholders may not use cards to perform transactions when account balances are not sufficient.
10.15. Chargeback requests against card services (including domestic debit cards, international prepaid cards and international debit cards): Cardholders shall be responsible for fulfilling the requests within 30 days from the transaction dates. Beyond the above period, the Bank will continue to support the chargeback, but the results will depend on the goodwill of other parties involved and Cardholders shall bear all losses incurred due to late chargeback. Chargeback requests delivered after 90 days from the transaction dates (including Saturdays, Sundays and holidays) will be rejected by the Bank.
10.16. Cardholders shall immediately notify the Bank of failed transactions. In case of notifying by telephone, Cardholders shall drop to the nearest branch to hand over the cards right then or 01 hour at the latest (during working hours) or in the next working morning (if outside working hours). In case of not receiving cards, the Bank may refuse to receive chargeback requests since cardholders fail to conduct transactions.
10.17. Any request by Cardholders related to cards issuance and usage shall be made in writing or in forms permitted by the law or by the two parties. The Bank shall not be responsible for damages incurred due to cardholders’ requests not done in these forms.
10.18. To be responsible for the quality of goods and services and disputes relating to the purchases of goods and services paid via cards.
10.19. If a cardholder uses cards to book services but cancel them without any notice of cancellation within the time defined by merchants, cardholders shall still pay partially or entirely on service pricing, related taxes and fees as stipulated by each merchant.
10.20. To proactively resolve with merchants’ transactions before registering chargeback to the Bank.
10.21. When stopping online spending function on periodical transactions (monthly, quarterly), Cardholders shall keep proof of service cancellation. To notify the Bank in writing of any change in information related to the issuance, use and payment of cards.
10.22. In case of the desire to unilaterally terminate the use of card, Cardholder shall notify the Bank in writing. Cardholders shall not continue to use cards after receiving a written notice of card cancellation or termination. In case of unilateral card termination by cardholders, cardholders shall return cards to perform card cancellation procedures as defined by the Bank. In case of failure to hand over cards to the bank, cardholders shall bear full responsibilities and risks related to such failure.
10.23. Not to use or allow using cards for the purpose’s contrary to regulations of the laws of Vietnam, International Card Organization and the Bank.
10.24. To fulfill all the requirements of the Bank during the card transactions chargeback process. Cardholders shall be responsible for chargeback and pay in full the fees in case of false claims.
10.25. To be committed to understanding and bearing the risks incurred (if any) during registration for e-commerce transaction functions.
10.26. Cardholders shall commit to understand and be responsible for all arising risks if any upon e-commerce function registration.
10.27. When the card validity term expires, cardholders’ failure to fulfill procedures to continue the use of cards with a new term as prescribed by the Bank shall be deemed to terminate the use of cards without exception of obligations to make full payments hereunder.
Article 11: Rights of the Bank
11.1. To be exempt from all obligations in case processing system, communication system is out of work, or due to any reason beyond Bank control.
11.2. To be exempt from all obligations if the card is used to withdraw cash, pay for goods and services while that card is stolen or lost but Cardholder has not promptly notified to the Bank.
11.3. To be entitled to automatically debit from cardholder's account charges, payments, withdrawals and wrong credit amount concerning to the use of bank cards as prescribed.
11.4. The bank will debit / credit to the cardholder's account the transaction value of the card, the charges incurred (if any) as specified in Debit card issuance & usage of the Bank at the transaction time following exchange rate on transaction date as specified by International Card Organizations and/or bank.
11.5. The bank may refuse to provide transaction approval code if the available account balance is not enough to pay or reaches the maximum daily transaction limit
11.6. The bank shall not be responsible if the cardholder experiences any problems related to the goods and services paid by card. The Bank shall not involve to the disputes between cardholder and merchants.
11.7. To be allowed to supply the competent authorities with the information about account, transaction and other information of the cardholders for investigation, complaints, disputes purpose on the Card Transaction in accordance with the law.
11.8. To be entitled to card blockage, card suspension without refund the fees in the following cases:
- The cardholder violates the terms and conditions set forth in this document or when there is decision/request in writing from the competent State agency;
- When the Bank supposes that there is counterfeit and risks, including but not limited to: the fake card, fraudulent transaction, card information reveal, money laundering,....In case of card blockade due to fraudulent transactions, the banks will contact (by phone) to verify the cardholder information registered with the bank. In case of unreached cardholders, the bank will be entitled to automatically block the card to mitigate risks to the Cardholder without notice in writing to the cardholder. Here, the cardholder agrees to accept all responsibility or obligations for Bank when implementing card blockade due to fraudulent transactions.
11.9. The bank reserves the right to retrieve the card by notice to the Cardholder or via correspondent banks, acquiring banks or merchants due to fraudulent transaction, counterfeit card, or requested in writing by the state agency. In this case, the bank is not liable for any harm to honor and prestige of the cardholder resulting from the withdrawal of the card.
11.10. The bank is not liable for the risks relating to the cardholder’s performing electronic commerce transactions for payment of goods and services.
11.11. For international debit card, the bank reserves the right to reject card transactions with amount less than 25 USD or equivalent in merchants of tourism and entertainment as prescribed by the international card organizations (Ex: Airline, car rental service, ship, train, hotels, motels, restaurants, travel agencies, ...) and amount less than 10 USD or equivalent in other merchants.
11.12. Collect information on Cardholder from the organizations and/or other individuals or request Cardholders to provide full required information and documentation while issuing and using the Card.
11.13. To record, storage and use of information/instructions from Cardholder verbally.
11.14. To provide information on cardholder / card account / transaction for organizations and individuals as prescribed by law, card organization.
11.15. To debit account linked to card transaction value and costs of issuance and use of cards without impaction the delivery, receipt, goods and services quality accepted for payment by card.
11.16. To accept and/or reject transactions as prescribed by law, card organizations, banks, and card payment bank.
11.17. To use any documents relating to the transaction as transactions proof performed/ Authorized by the Cardholder.
11.18. To implement card blockade, retrieval when there are no transactions generated within 12 consecutive months from the card issuance date.
Article 12: Bank obligation 
12.1. The bank commits to comply with the regulations on issuance, payment, guarantee the rights of the cardholder, storage of cardholder information, except for other provisions by law.
12.2. To implement card blockade within 02 (two) working hours after receiving notice from the cardholder on the lost, stolen card or revealed PIN code in writing at the bank branch/transaction office or Call Center
12.3. To notify information related to the issuance and use of cards by one of the following information channels: the official website of Bank, the mass media, electronic mail and other information channels.
12.4. To provide the customers care services for cardholders.
12.5. To handle complaints as per the request from the Cardholder.
12.6. To keep confidential information on cardholders, card, card account, transactions apart from those prescribed by law.
12.7. To comply with the provisions of law, the card organization on issuance, payment.

Other terms and conditions
• When a customer opens and uses a debit card, he/she agrees to open a current account at the request of VIB
• When a customer opens and uses a debit card, he/she agrees to sign up for Internet Banking service and provides necessary information to activate the service at the request of VIB
• If 30 days from the day customers apply for a debit card without completing the authentication procedures, the application will automatically be deleted

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