Cases not considered as evasion of compulsory social insurance payment from November 30, 2025
On October 16, 2025, the Government issued Decree No. 274/2025/ND-CP detailing a number of articles of the Law on Social Insurance on late payment, evasion of payment of compulsory social insurance, unemployment insurance; complaints and denunciations about social insurance, effective from November 30, 2025.
Article 4 of Decree No. 274/2025/ND-CP stipulates that cases are not considered as evasion of compulsory social insurance and unemployment insurance when there is one of the reasons announced by the competent authority on natural disaster prevention and control, emergency, civil defense and disease prevention and control:
- Storms, floods, inundations, earthquakes, major fires, prolonged droughts and other natural disasters directly and seriously affect production and business activities.
- Dangerous epidemics announced by competent state agencies, seriously affecting production and business activities and financial capacity of agencies, organizations and employers.
- A state of emergency as prescribed by law that suddenly and unexpectedly affects the operations of agencies, organizations and employers.
- Other force majeure events as prescribed by civil law.
Criteria for identifying ethnic groups facing many difficulties and special difficulties in the 2026-2030 period
The Government issued Decree No. 255/2025/ND-CP dated September 29, 2025, identifying ethnic groups facing many difficulties and having specific difficulties in the 2026-2030 period. This Decree takes effect from November 15, 2025.
In particular, the Decree stipulates the criteria for identifying ethnic groups facing many difficulties and specific difficulties in the 2026-2030 period as follows:
1. Ethnic groups that still face many difficulties are ethnic groups with a multidimensional poverty rate greater than the multidimensional poverty rate of ethnic minorities nationwide.
2. Ethnic groups with specific difficulties are ethnic groups with a national population of less than 10,000 people according to population management data and meeting at least one of the following two criteria:
- The multidimensional poverty rate is higher than the national multidimensional poverty rate of ethnic minorities;
- The national population according to population management data is lower than the national population according to the results of the 2019 Population and Housing Census.
Expanding the scope of certification from November 1, 2025
The Government issued Decree No. 280/2025/ND-CP dated October 27, 2025. In particular, Decree No. 280/2025/ND-CP amended and supplemented Clause 9 of Article 2 of Decree 23/2015/ND-CP in the direction of expanding the subjects of certification.
Specifically, the person performing the certification is the Chairman of the People's Committee of the commune, ward, or special zone (Commune-level People's Committee); the person authorized or assigned to perform the certification task according to regulations; the notary of the Notary Office, Notary Office (notary practice organization); the diplomatic officer, consular officer of the diplomatic representative agency, consular representative agency, and other agencies authorized to perform consular functions of Vietnam abroad (Representative agency).
Thus, compared with the old regulations, Decree No. 280/2025/ND-CP expands the subjects of certification to include authorized or assigned persons to perform certification tasks according to regulations.
Decree No. 280/2025/ND-CP takes effect from November 1, 2025.
Procedure for deregistration of aircraft nationality at the request of the person designated in the IDERA document
On September 15, 2025, the Government issued Decree 246/2025/ND-CP amending and supplementing Decree No. 68/2015/ND-CP dated August 18, 2015 of the Government regulating nationality registration and registration of rights to aircraft, which was amended and supplemented by Decree No. 64/2022/ND-CP dated September 15, 2022 of the Government amending and supplementing a number of articles of decrees regulating business activities in the field of civil aviation.
IDERA (Irrevocable De-registration and Export Request Authorisation) is a document issued under the provisions of the Cape Town Convention, which specifies the person entitled to request de-registration or export of an aircraft.
In particular, Decree 246/2025/ND-CP adds Clause 3 to Article 8 of Decree 68/2015/ND-CP regulating cases of aircraft nationality cancellation.
Decree 246/2025/ND-CP stipulates: in case the IDERA document has been registered according to the provisions of this Decree, only the person designated in the IDERA document has the right to request the cancellation of aircraft nationality registration.
Along with that, Decree 246/2025/ND-CP also adds a number of regulations on procedures for deleting aircraft nationality registration at the request of the person designated in the IDERA document to Article 9 of Decree 68/2015/ND-CP...
This Decree takes effect from November 1, 2025.
Credit institution rating according to new standards from November 2025
On September 10, 2025, the State Bank of Vietnam issued Circular No. 21/2025/TT-NHNN regulating the rating of credit institutions and foreign bank branches, effective from November 1, 2025.
According to the Circular, the ranking is carried out annually, based on criteria of capital safety, asset quality, management capacity, business results and liquidity. The goal is to comprehensively assess the financial health of credit institutions, increase transparency in banking operations, and create a basis for management agencies to take appropriate monitoring measures.
The ranking results are divided into several levels, which are the basis for considering licensing network expansion, deploying new products and services and determining the level of risk in credit management. Commercial banks, especially foreign bank branches, are required to prepare documents and review their internal management and control systems to meet the new criteria. This regulation is expected to contribute to improving the quality of the banking system and strengthening confidence in the financial market.
From November 1, 2025, money transfers of 500 million VND or more must be reported to the Anti-Money Laundering Department.
This content is prescribed by the State Bank in Circular 27/2025/TT-NHNN dated September 15, 2025.
Specifically, Article 9 of the Circular stipulates the regime for reporting electronic money transfer transactions to the Anti-Money Laundering Department using electronic data, including:
- Domestic electronic money transfer transactions: Transactions with a value of 500 million VND or more or in foreign currency of equivalent value where all financial institutions participating in electronic money transfer transactions are in Vietnam.
- International electronic money transfer transactions: Electronic money transfer transactions in which at least one participating financial institution is located outside of Vietnam and conducted in countries and territories outside of Vietnam with a value of 1,000 USD or more or equivalent in other foreign currencies.
However, if the reporting entity is an intermediary financial institution in an electronic money transfer transaction, it is not required to make the above report.
The report contents include: Information on the initiating and beneficiary financial institutions; Information on individual customers or organizations participating in electronic money transfers; information on transactions; other information as required by the Anti-Money Laundering Department from time to time...
Adjusting identity documents when making cashless payments from November 18, 2025
On September 30, 2025, the Governor of the State Bank of Vietnam signed and issued Circular 30/2025/TT-NHNN dated September 30, 2025 amending and supplementing a number of articles of Circular 15/2024/TT-NHNN regulating the provision of non-cash payment services. Circular 30/2025/TT-NHNN takes effect from November 18, 2025.
In particular, Circular 30/2025/TT-NHNN amends and supplements Clause 10, Article 3 of Circular 15/2024/TT-NHNN stipulating that identification documents used in non-cash payment services include:
- For individuals who are Vietnamese citizens: citizen identification card, identity card or electronic identity card.
- For individuals of Vietnamese origin whose nationality is not yet determined: identity card.
- For foreigners residing in Vietnam: passport or other documents proving identity issued by a competent foreign authority, accompanied by an entry visa or document in lieu of a visa or document proving visa exemption; or electronic identity (through access to a level 02 electronic identification account) (if any).
Note: Identification documents used in non-cash payment services must be valid and within the expiry date during the payment service usage.
Credit institutions are allowed to deliver and receive gold bars for customers from November 15, 2025.
On September 30, 2025, the State Bank of Vietnam issued Circular 33/2025/TT-NHNN amending and supplementing a number of articles of Circular 17/2014/TT-NHNN on classification, packaging, and delivery of precious metals and gemstones.
Circular 33/2025/TT-NHNN amends and supplements Clause 1, Article 17 of Circular 17/2014/TT-NHNN as follows: The State Bank receives gold bars purchased from credit institutions and enterprises licensed to buy and sell gold bars (credit institutions and enterprises) according to the written confirmation of gold bar buying and selling transactions between the State Bank and credit institutions and enterprises; conducts counting, receives and records the codes and serial numbers (if any) according to the original packaging of the commercial bank, enterprise licensed to produce gold bars and the processing unit.
Circular 33/2025/TT-NHNN adds Clause 3a after Clause 3, Article 17 of Circular 17/2014/TT-NHNN as follows: Credit institutions receiving gold bars from customers shall receive them by the piece.
At the same time, Circular 33/2025/TT-NHNN adds Clause 3a after Clause 3, Article 18 of Circular 17/2014/TT-NHNN as follows: Credit institutions deliver gold bars to customers, and deliver by bar.
Thus, officially from November 15, 2025, credit institutions are allowed to deliver and receive gold bars for customers.
Source: https://hanoimoi.vn/chinh-sach-moi-co-hieu-luc-tu-thang-11-2025-721774.html
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