What is a bank account?
In Vietnam, customers can open bank accounts at many different banks. Normally, when registering to open an account, the bank will give customers a series of account numbers along with a username. This is considered each person's own bank account.
Bank account numbers usually have between 8 and 15 digits. Different banks have different numbers in their account numbers. After opening a bank account, users can perform transactions such as transferring money, paying bills, making savings deposits, etc.
Can I open an online bank account without an ID card?
Customers without ID card/CCCD will not be able to register to open a bank account. Because, currently, there is no bank or credit institution in our country that accepts to support customers to register to open an account without ID card/CCCD.
Customers can open a bank account on the Mobile Banking application. (Illustration photo)
However, there are some special cases where customers can still open a bank account without an ID card/CCCD as follows:
- Vietnamese citizens under 14 years old and foreigners with entry visas or documents proving visa exemption: In this case, bank accounts can be opened through guardians or legal representatives. Accordingly, the guardian must still have valid identification documents along with documents proving his/her legal representative status with the account owner.
- Lost documents but have notarized copies: Some banks allow opening an account with a photocopied ID card certified with a red seal from a competent authority.
Thus, users can open a bank account without an ID card/CCCD when they have registered for a card but forgot to bring it, but still have a photo of both sides of the ID card/CCCD, and remember the exact ID card/CCCD number.
How to open an online bank account without ID card
Condition
To open an online bank account without an ID card/CCCD, customers must meet the following conditions:
- Be a legal Vietnamese citizen or a foreigner living and working in Vietnam.
- Be 15 years of age or older and have full civil capacity.
- Have a photo of valid ID card/CCCD/Passport.
Steps to create an online bank account without ID card
To create a bank account without ID card/CCCD, customers need to follow these steps:
Step 1: Download the bank's Mobile Banking application to your phone.
Step 2: Click on "Open a bank account" and fill in personal information
Step 3: Verify the front and back of your CCCD/ID card and perform face verification using eKYC technology and complete the registration procedure.
Step 4: The banking system will review and send registration information to the customer.
Step 5: After successfully registering a bank account, customers must change their password before using it to ensure the highest level of security.
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