Receiving Money Through Techcombank, VPBank, MB Bank, and Sacombank: A Step-by-Step Guide

To receive money in Vietnam from abroad, your recipient needs the right bank details and a few simple steps. This guide walks through receiving funds into Techcombank, VPBank, MB Bank, and Sacombank, covering the information the sender needs, how the money arrives, fees, and currency selection, so the transfer lands cleanly the first time.

Your family in Vietnam banks with Techcombank, VPBank, MB Bank or Sacombank, and money is on the way from abroad. The process is straightforward once you know what the sender needs and what your recipient should expect.

Most delays come from one thing: a small error in the beneficiary details. Get those right, and the money usually lands within a day. This guide shows you exactly how to receive money in Vietnam through each of these four banks, step by step.

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What the Sender Needs to Receive Money in Vietnam

Every international transfer into a Vietnamese bank relies on the same core details. Give the sender these before anything else, and the transfer starts on solid ground.

The sender needs the following for the beneficiary:

• Full name exactly as the bank holds it on the account
• Account number at the receiving Vietnamese bank
• The bank’s SWIFT/BIC code, which routes the money internationally
• The bank name and branch, in some cases
• The recipient’s address or phone number, which some providers request

One rule sits above all others. The beneficiary name must match the bank’s records exactly. A mismatch is the most common reason a transfer stalls. Check every character before the sender confirms.

The SWIFT Codes for Each Bank

The SWIFT code identifies the Vietnamese bank that receives the money. Each of the four banks has its own, and using the correct one is essential.

The SWIFT/BIC codes are:

• Techcombank: VTCBVNVX
• VPBank: VPBKVNVX
• MB Bank: MSCBVNVX
• Sacombank: SGTTVNVX

Always confirm the current SWIFT code with your recipient’s bank or its official website before a large transfer. Codes and branch identifiers can change. A wrong code sends the money down the wrong path.

How to Receive Money in Vietnam Through Techcombank

Techcombank is one of Vietnam’s largest private banks, and receiving into it is simple. Your recipient needs an active Techcombank account.

The steps to receive are:

1. Share the details. Give the sender your full name, Techcombank account number, and the SWIFT code VTCBVNVX.
2. The sender initiates the transfer from their provider or bank abroad.
3. The money routes to Techcombank through the international network.
4. Techcombank credits the account, usually within one business day.
5. Check the balance in the Techcombank app once the funds land.

Techcombank has also launched international receiving accounts connected to Visa’s global infrastructure. These can credit funds within 24 hours with no receiving fee. Ask the bank whether this option suits regular inbound transfers.

How to Receive Money in Vietnam Through VPBank

VPBank handles inbound international transfers into its accounts in the same core way. Your recipient needs an active VPBank account to receive.

The steps are:

1. Share the details. Provide your full name, VPBank account number, and the SWIFT code VPBKVNVX.
2. The sender sends the transfer through their chosen provider.
3. The funds are routed to VPBank and posted to the account.
4. VPBank credits the account, typically within one business day.
5. Confirm receipt in the VPBank app or through a branch.

If your recipient wants the money in dong, VPBank converts an incoming foreign currency at its published buying rate for that day. Ask about that rate if the timing matters.

How to Receive Money in Vietnam Through MB Bank

MB Bank, the Military Commercial Joint Stock Bank, receives international transfers into its accounts too. Your recipient needs an active MB Bank account.

The steps are:

1. Share the details. Give the sender your full name, MB Bank account number, and the SWIFT code MSCBVNVX.
2. The sender initiates the international transfer.
3. The money routes to MB Bank through the network.
4. MB Bank credits the account, usually within a business day.
5. Check the MB Bank app to confirm the funds arrived.

MB Bank’s app is popular, so your recipient usually sees the credit and a notification quickly once it lands.

How to Receive Money in Vietnam Through Sacombank

Sacombank rounds out the four, and it handles inbound transfers into its accounts in the familiar way. Your recipient needs an active Sacombank account.

The steps are:

1. Share the details. Provide your full name, Sacombank account number, and the SWIFT code SGTTVNVX.
2. The sender sends the transfer through their provider.
3. The funds are routed to Sacombank and posted to the account.
4. Sacombank credits the account, typically within one business day.
5. Verify receipt in the Sacombank app or at a branch.

As with the others, confirm whether your recipient wants a foreign currency or dong. The choice affects the rate applied.

Fees, Currency, and Timing

A few practical points apply across all four banks. Knowing them helps your family plan around the transfer.

Most Vietnamese banks charge no fee to the recipient for receiving an inbound remittance into a bank account. The sending provider charges on its side. If a foreign currency arrives and your recipient wants dong, the bank converts it at its published buying rate for that day.

Timing usually runs within one business day for a bank credit. Weekends, Vietnamese holidays, and any compliance check can extend it. For the legal background on how Vietnam handles these inbound transfers, our guide on how the State Bank of Vietnam regulates money from abroad explains why family remittances move freely.

How ZoltMoney Helps You Receive Money in Vietnam

ZoltMoney delivers directly into Vietnamese bank accounts, so your family receives dong through the bank they already use. You see the real exchange rate and the full cost before you confirm. The dong amount on screen is what actually lands in their account.

ZoltMoney collects and checks the recipient details early. It catches the name and account mismatches that cause most delays before the transfer starts. Your family needs no crypto wallet and no blockchain knowledge, since the technology stays in the background.

Accurate details are the whole game when you receive money in Vietnam, and a transparent provider makes them easy to get right. You can start a transfer at ZoltMoney on the web, on Android or on iOS.

FAQ

What details does the sender need to send money to my Vietnamese bank?

The sender needs your full name exactly as your bank holds it, your account number, and the bank’s SWIFT code. Some providers also ask for the bank name, branch, and your address or phone number. The name must match the account exactly, since a mismatch is the most common reason a transfer stalls. Check every detail before the sender confirms.

What are the SWIFT codes for Techcombank, VPBank, MB Bank and Sacombank?

The SWIFT/BIC codes are VTCBVNVX for Techcombank, VPBKVNVX for VPBank, MSCBVNVX for MB Bank, and SGTTVNVX for Sacombank. These route an international transfer to the correct Vietnamese bank. Always confirm the current code with your recipient’s bank or its official website before a large transfer, since codes and branch identifiers can occasionally change.

Do I pay a fee to receive money in Vietnam?

Most Vietnamese banks charge the recipient no fee for receiving an inbound remittance into a bank account. The sending provider charges its own fee on the other side. If a foreign currency arrives and you want dong, the bank converts it at its published buying rate for that day, which effectively becomes part of the cost, so compare the final dong amount.

How long does it take to receive an international transfer in Vietnam?

A bank credit usually lands within one business day at Techcombank, VPBank, MB Bank or Sacombank. Some services deliver faster, within hours. Weekends, Vietnamese holidays and any routine compliance check can extend the window. Techcombank has also introduced international receiving accounts that can credit funds within 24 hours with no receiving fee, which suits regular inbound transfers.

Can I receive foreign currency or only dong?

It depends on your account and your choice. You can often receive and hold a foreign currency if you have a suitable account, or take the money in dong. If the transfer arrives in foreign currency and you want dong, the bank applies its published buying rate for the day. Confirm your preference with your bank, since the currency choice affects the rate applied.

Disclaimer

This article gives general information about how to receive money in Vietnam through Techcombank, VPBank, MB Bank and Sacombank. It does not constitute financial advice. SWIFT codes, fees, processing times and currency rules set by each bank change over time and vary by account. Always confirm the current SWIFT code and receiving details directly with your bank before a transfer, especially a large one.