BIDV SmartBanking – A comprehensive digital banking solution.
In line with the digital transformation of the banking industry, BIDV SmartBanking is being developed as an integrated digital platform, enhancing the user experience.
In the context of a rapidly developing digital economy, the demands for banking services are no longer limited to safety or convenience, but also extend to integration, synchronization, and the ability to comprehensively meet the needs of the people. Building on this foundation, BIDV SmartBanking has been developed by the Vietnam Investment and Development Bank (BIDV) as an integrated digital banking platform, contributing to the realization of the goal of bringing financial services closer to the daily lives of customers.
Meeting all core financial needs.
As a leading digital banking transaction channel, BIDV SmartBanking provides a full range of basic financial services, allowing customers to perform most banking transactions anytime, anywhere.
Through the app, customers can send and receive money quickly 24/7, save recipient contacts, and send money with greeting cards, contributing to a more personalized experience in daily financial transactions. Bill payment services such as electricity, water, telecommunications, tuition fees, insurance, and QR code payments are integrated seamlessly, helping users save time and minimize the use of cash.
BIDV SmartBanking also allows online savings deposits with flexible terms and competitive interest rates. In addition, it offers tools for checking account information, monitoring balance changes, managing income and expenses, and supporting customers in improving the efficiency of their personal financial management in the context of increasingly diverse spending habits.
Expanding the ecosystem of lifestyle amenities.
One of the highlights of BIDV SmartBanking is its expansion of functions beyond traditional banking services, aiming to build a convenient ecosystem linked to daily life needs.
Accordingly, customers can book movie tickets, train tickets, bus tickets, plane tickets, and call taxis directly on the app. Integrating these services on a single platform minimizes steps and enhances the seamless connection between finance and consumption.
In addition, BIDV SmartBanking integrates the VnShop online shopping platform, offering users a wide selection of products, services, and promotional programs. Through programs such as B-Point reward points, cashback on card payments, gift redemption, or green plant promotions, the application not only increases economic benefits for customers but also contributes to promoting a responsible consumer lifestyle.
Utilizing modern technology to enhance the user experience.
Alongside expanding its features, BIDV SmartBanking focuses on applying modern technological solutions to optimize the user experience.
The application allows customers to conduct transactions on multiple devices, including Apple Watch and Smart Keyboard, contributing to increased flexibility during use. In particular, the electronic registration and identity verification (e-KYC) feature enables customers to open and use banking services 100% online, without needing to visit a branch, aligning with the digitalization trend and the need for quick access to financial services.
In addition, BIDV SmartBanking also supports interface personalization, allowing users to customize wallpapers and profile pictures, contributing to a user-friendly experience tailored to each customer group.
Evidence of this development direction is that on the evening of September 27, 2025, in Ho Chi Minh City, the Vietnam Record Organization awarded BIDV SmartBanking version X the certificate for "The digital banking application supporting financial transactions on the most devices," thereby recognizing BIDV's technological capabilities and pioneering role in digital banking.
Contributing to promoting digital banking in line with daily life.
With a customer-centric approach, BIDV SmartBanking is developed not only as a digital banking application but also as a platform to support financial management and consumption in daily life. The seamless integration of financial services, shopping, and entertainment on a single platform helps customers be more proactive in managing their time, finances, and personal needs.
In the digital transformation process of the banking industry, BIDV SmartBanking is one of the proofs of BIDV's efforts in applying technology, expanding the digital ecosystem, thereby improving service quality, promoting cashless payments, and making a positive contribution to the goal of developing the digital economy in Vietnam.