BIDV SmartBanking X: The culmination of a decade of transformation

(Chinhphu.vn) - Not just a technological advancement, BIDV SmartBanking version X is the crystallization of a decade of transformation, reflecting strategic vision, modern thinking and aspiration to serve customers in the era of comprehensive digitalization.

BIDV has launched a new version of the SmartBanking application, providing a synchronized experience on multiple platforms with many unique utilities. Version X integrates AI technology to support financial management, introduces products such as automatic investment, online salary advance loans, and expands the service ecosystem with more than 2,500 utilities.

Launched in July 2025, BIDV SmartBanking version X marks a ten-year journey of digital transformation, affirming BIDV's pioneering position and long-term commitment to creating the future of digital banking in Vietnam.

Smart financial assistant, personalizing every transaction

BIDV is the first and only bank to support users to experience synchronously and seamlessly on multiple platforms: web, mobile applications, smart watches and keyboards integrated in chat applications such as Zalo, Messenger, Imessage, Viber... The new version not only inherits advantages such as allowing users to change background images, avatars and choose to arrange priority functions according to their preferences; real-time customizable interface, but also streamlines transaction flows: money transfer, savings, cards... From there, customers can easily search for features and operate faster; bringing a specialized experience to customers.

In particular, BIDV SmartBanking is launched with two completely new interface versions. Pearl X has bright, friendly colors, dedicated to modern, dynamic customers who love the "multitasking" feature of the application. Emerald X has a luxurious, deep beauty, while adding features on privilege management and 1:1 support staff, enhancing the experience for high-end customers - those who create and preserve heritage over time.

A whole new digital banking experienceBIDV SmartBanking X is available on Google Play and App Store

Not only a banking application, BIDV SmartBanking is also a smart financial assistant when applying AI/ML to analyze spending, predict behavior, thereby suggesting features and incentives according to needs, especially supporting early detection and warning of suspicious transactions, enhancing the security of customer accounts.

The card service has been completely redesigned with a completely different look and superior performance. Not only does it automatically identify and group customers as soon as they log in to the application, the system also provides card suggestions, online issuance instructions with personalized offers; along with a streamlined and intuitive card management interface.

AI technology also helps automatically classify spending transactions from customers' accounts, cards, etc. to support tracking income and expenses, building spending or saving plans/goals, thereby supporting users to create financial wallets according to each goal and can share with relatives and groups for joint management. Over-budget spending is also warned right on the application, helping customers control income and expenses and maintain the goal of smart personal financial management.

In addition, with Plug & Play architecture, SmartBanking version X is easy to integrate, connects quickly and provides more than 2,500 services from 1,500 partners in just one application. This is an important step in implementing the strategy of developing an open ecosystem and maintaining the pioneering position of a bank that connects with the most fintech companies in the market.

Automatic investment, online salary loan

In-depth financial features such as: Automatic investment, salary advance loan, stock management, etc. are also introduced on the new version of BIDV SmartBanking with many outstanding advantages thanks to high personalization and automation.

A whole new digital banking experienceBIDV SmartBanking X is available on Google Play and App Store

With the automatic investment feature, with just one registration, the customer's account will automatically save and earn interest on the balance exceeding the initial setting (from 10 million VND). Customers can still use the total balance in the account, including the automatically saved portion, ensuring uninterrupted spending while the account continues to earn interest with an interest rate of up to 2.6%/year, more than 20 times higher than the interest rate of non-term deposits.

In order to support customers to access quick loans to solve immediate short-term financial needs, especially customers who receive salary through BIDV accounts and have good transaction history, BIDV offers unsecured salary advance loans with a limit of up to 50 million VND and a 100% online process on BIDV SmartBanking.

For investors in the stock market who want to easily manage their money, BIDV SmartBanking supports customers to link BIDV accounts with securities accounts or open new securities accounts online right on the application (including securities payment accounts at BIDV and securities accounts at securities companies); at the same time, it supports searching, managing, unlinking and withdrawing money from securities accounts to bank accounts with the registration process applying Viettel MySign digital signature, ensuring safety and convenience.

A whole new digital banking experience

Since 2015 – the time when the first foundation for e-banking services was laid – BIDV has continuously affirmed its leading role in the digitalization journey of the financial industry in Vietnam, contributing to the popularization of digital utilities such as 24/7 fast money transfer, online savings, and bill payment without going to the counter – things that have now become the standards of modern banking.

By 2021, BIDV will continue to make its mark by merging Internet Banking and Mobile Banking into the new generation BIDV SmartBanking, providing a seamless and consistent experience on all platforms.

The pioneering launch of online account opening features using eKYC, QR money transfer, etc. has opened up a trend of 100% closed digital banking transactions, helping to popularize digital banking services to all classes of users.

By mid-2025, more than 93% of transactions at BIDV will be conducted on digital channels, the number of digital customers will exceed 16 million customers with more than 7 million transactions per day, demonstrating strong acceptance from the market and customers.

AI technology helps customers control income and expenses and maintain smart personal financial management goals.

In a decade of creating digital experiences, BIDV SmartBanking has been honored to receive prestigious domestic and international awards, typically: Unique innovative products and services (VNBA and IDG, 2017), Outstanding digital products (Vietnam Economic Times, 2018), Outstanding information technology application products (Sao Khue, from 2022 to 2025), etc.

Not just a technological advancement, BIDV SmartBanking version X is the crystallization of a decade of transformation, reflecting strategic vision, modern thinking and aspiration to serve customers in the era of comprehensive digitalization.

With a solid technology foundation, diverse ecosystem and strong commitment from the team, BIDV is ready to enter the second decade of digital transformation, bringing sustainable values to tens of millions of customers and accompanying the development of Vietnam's digital economy.

Mai Chi

Source: https://baochinhphu.vn/bidv-smartbanking-x-ket-tinh-cua-mot-thap-ky-chuyen-minh-102250814172505888.htm