Vietnam fintech
Vietnam's payments have moved online: 1,639,258,267 domestic payments ran through the internet channel in Q2 2026, individuals held 256.7 million payment accounts and 99.48 million domestic cards circulated (SBV). 70.55% of adults had an account in 2024 (World Bank).
20 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Domestic bank cards in circulation, end of period | 99,48million cards | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Domestic payment transactions via Internet channel, count | 1639258267transactions | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Transactions performed at ATMs, count | 159613871transactions | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Transactions performed at POS/EFTPOS/EDC terminals, count | 207725767transactions | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Individual payment (current) accounts open at banks, end of period | 256741thousand accounts | VN | 2026-Q2 | T1 | sbv.gov.vn |
| National Payment System interbank transactions, high-value subsystem (HV) | 6669682transactions | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Domestic payment value via mobile banking applications | 22202907,04VND billion | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Domestic non-cash payment value by credit transfer orders (lenh chi, uy nhiem chi) | 96417795,54VND billion | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Domestic non-cash payment value by other payment instruments (bills of exchange, promissory notes, letters of credit, tr | 553215,98VND billion | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Balance held in individual payment (current) accounts at banks, end of period | 1220766,52VND billion | VN | 2026-Q2 | T1 | sbv.gov.vn |
| Cash in circulation as share of total means of payment | 11,52percent | VN | 2026-01 | T1 | sbv.gov.vn |
| Vietnam adults who borrowed from a formal bank or financial institution | 7.67percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Account ownership, adults 15+ | 70.55percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Vietnamese women 15+ owning a debit card | 63.652436067386percent | VN | 2024 | T1 | api.worldbank.org |
| Adults who received a call or SMS from a stranger asking for money, past 12 months, Viet Nam | 8.25567999730747percent | VN | 2024 | T1 | api.worldbank.org |
| No account because of insufficient funds, Vietnam, World Bank Global Findex | 7.72% of population age 15+ without an accou | VN | 2024 | T1 | data.worldbank.org |
| Adults who sent money to a stranger who asked for it by phone or SMS, Viet Nam | 0.220994806470081percent | VN | 2024 | T1 | api.worldbank.org |
| Jobs created per USD 1 million lent to Viet Nam SMEs, ADB/VIB loan impact estimate | 10.4jobs per USD million lent | VN | 2021-2023 | T1 | adb.org |
| Adults unable to come up with emergency funds within 30 days, by SEA country, World Bank Global Findex 2024 | 1.7% of population age 15+ reporting it is | VN | T1 | data.worldbank.org | |
| GOOD-band free-to-paid conversion rate for credit-card-gated SaaS free trials, ChartMogul SaaS Conversion Report | 25-35percent conversion | global | study conducted January 2026 | T2 | chartmogul.com |
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