The 24/7 Instant Interbank Funds Transfer Service provided by NAPAS to its member banks, third party processors, and funds transfer service providers allows customers to use bank cards or accounts to transfer and receive funds in real time through the following payment facilities and transaction channels:

Payment facility

  • Card
  • Account
  • E-wallet account

Transaction channel

  • Internet banking
  • Mobile banking
  • ATM
  • Transaction counter
  • E-wallet application


Benefits for Issuers

  • Enhance convenient card/account-based services for customers.
  • Improve revenue from services.
  • No differentiation of fee between funds transfer to another bank in the same city/province and to another bank in another city/province.

Benefits for Beneficiary Organizations

  • Enhance convenient card/account-based services for customers.

Characteristics of Service

  • Realtime funds transfer sending and receiving at anytime and anywhere including outside office hours and during weekends.
  • Be able to check information on beneficiary in realtime before conducting transactions.
  • Provide diversified and suitable transaction channels for different category of customers.
  • Provide a maximum funds transfer limit up to 300 million VND per transaction.

List of participating banks


Công Ty Cổ Phần Thanh Toán Quốc Gia Việt Nam - Napas