IMPORTANT NOTICE ON IDENTIFICATION DOCUMENTS WHEN USING NON-CASH PAYMENT SERVICES
Updated under Circular No. 30/2025/TT-NHNN – effective from 18 November 2025.
1. Introduction & Effective Date
On 30 September 2025, the State Bank of Vietnam issued Circular No. 30/2025/TT-NHNN amending and supplementing regulations on non-cash payment activities, replacing and updating Circular No. 15/2024/TT-NHNN.
This Circular takes effect from 18 November 2025 and provides more detailed guidance on the use of identification documents in electronic payment transactions.
2. Valid Identification Documents
For Vietnamese Citizens
- Citizen Identification Card
- Physical or electronic ID card
- Old Identity Cards and Identity Certificates are no longer accepted
For Persons of Vietnamese Origin Without Nationality
- Identity Certificate (newly added)
For Foreign Nationals Residing in Vietnam
- Valid passport or identification document issued by a competent foreign authority, accompanied by: visa, substitute document, or proof of visa exemption.
- May use Level-2 electronic identification (if available).
3. Mandatory Regulation
4. Summary of Key Changes
| Updated Content | Previously | From 18/11/2025 |
|---|---|---|
| Documents for Vietnamese citizens | Accepted ID Cards and Identity Certificates | Only Citizen Identification Cards / ID Cards / Electronic IDs are accepted |
| Persons of Vietnamese origin without nationality | Not specified | Identity Certificate newly added |
| Foreign nationals residing in Vietnam | Passport / Identification documents | Remain unchanged, with addition of Level-2 electronic identification (if available) |
| Validity of identification documents | Not emphasized | Must remain valid and within the effective period |
5. Notes for Enterprises & Individuals
- Check and update valid identification documents before 18 November 2025 to avoid disruption when making electronic payment transactions.
- Enterprises providing payment services should update their KYC/e-KYC procedures in accordance with the new regulation.
- Customer service and operations staff should be trained to identify expired or invalid documents.
6. Legal Basis
- Circular No. 30/2025/TT-NHNN (issued on 30 September 2025).
- Amending and supplementing Clause 10, Article 3 of Circular No. 15/2024/TT-NHNN.
* Effective from 18 November 2025.
Conclusion
Circular No. 30/2025/TT-NHNN represents an important step in standardizing electronic identification and enhancing the security of Vietnam’s non-cash payment system.
Enterprises and individuals are encouraged to proactively review and prepare for these upcoming changes.
