BVBank

What BVBank does

BVBank (Ngân hàng TMCP Bản Việt) is a private Vietnamese joint-stock commercial bank headquartered at 412 Nguyen Thi Minh Khai, Ward 3, District 3, Ho Chi Minh City, with 33 years of operating history as of December 2025. The bank serves three primary customer segments — individual retail consumers, business customers (SMEs through large enterprises), and small business owners (Hộ kinh doanh) — through a hybrid distribution model combining a physical branch and ATM network with three proprietary digital platforms: Digimi for retail banking, Digibiz for business banking, and Digistore for merchant digital transformation solutions. The product portfolio spans payment accounts, savings and investment products, 14+ credit card variants across Visa, JCB, and NAPAS networks (targeting lifestyle, women, Japan-travel, e-wallet-linked, and merchant co-branded niches), domestic and international debit cards, secured and unsecured loan products (home, auto, green consumer, education, business), linked life insurance distribution via AIA, trade finance, cash management, and a 0% installment program with 34+ merchant partners.

The technology backbone is the Digimi mobile banking application, which enables online account opening, instant virtual card issuance, transfers, bill payments, savings management, and loan applications. Digibiz provides corporate digital banking including cash management and credit facilities. The bank integrates with major payment infrastructure providers — VietQR and VietQRGlobal for QR payments, NAPAS for domestic switching, VNPay for bill payments and QR, and Apple Pay, Google Pay, MoMo, ZaloPay, and ShopeePay for wallet binding. Smart OTP replaces SMS OTP for international use. The technology stack is differentiated primarily through breadth of integration (multiple card networks, wallets, payment switches) and ease-of-use features rather than proprietary AI or advanced analytics.

BVBank's revenue model combines traditional banking interest income (from mortgage, business, consumer, and credit card lending) with fee income (card transactions, international transfers, account services), insurance distribution commissions from AIA, and card interchange revenue from Visa, JCB, and NAPAS networks. Pricing is structured as subscription/annual fees for credit cards (VND 299,000–599,000/year), monthly interest rates on secured loans (starting from 5%/year for home loans), freemium digital banking with no charges for account opening or transfers, and tiered international transfer fees. The bank distributes through self-serve mobile channels, direct sales at branches, and embedded partnerships with payment networks and merchant ecosystems.

Name

BVBank

Legal name

Ngân hàng TMCP Bản Việt

Website

https://bvbank.net.vn

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

BVBank (Ngân hàng TMCP Bản Việt) is a private Vietnamese joint-stock commercial bank with 33 years of operation, serving retail consumers, businesses, and MSMEs through Digimi and Digibiz digital banking platforms plus a physical branch network, offering savings, loans, 14+ Visa/JCB/NAPAS credit cards, and AIA-linked insurance.

Ownership category

akta.pro rank

Headquarters

HQ city

Ho Chi Minh City

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on loans including mortgage loans, business loans, consumer loans, and credit card lending.
2. Fee Income: Fees from card transactions, international transfers, account services, and other banking service charges.
3. Insurance Distribution Commission: Commissions earned from linked insurance products (AIA partnership) sold through the bank network.
4. Card Transaction Interchange: Revenue share from payment network transactions (Visa, JCB, NAPAS) on credit and debit cards.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BVBank (Ngân hàng TMCP Bản Việt) is a Vietnamese joint-stock commercial bank providing both retail and corporate banking services. It operates three sub-brands: Digimi for individual retail customers via a mobile app, Digibiz for business and corporate customers via a digital platform, and Digistore as an online merchant channel. Core sellable offerings include deposit and savings products, consumer and corporate loans, Visa/JCB/NAPAS branded credit and debit cards, trade finance, cash management, and bancassurance-linked insurance products.

Product overview

BVBank (Ngân hàng TMCP Bản Việt) is a Vietnamese commercial bank offering a comprehensive digital banking ecosystem centered on its Digimi (retail) and Digibiz (business) digital platforms, complemented by multi-network credit and debit cards (Visa, JCB, NAPAS), traditional banking products (savings, loans, insurance), and business services (trade finance, cash management). The product portfolio spans individual consumer banking with mobile-first digital services, business digital banking, international card networks (Visa, JCB, NAPAS), loyalty programs, installment payment services, and partner merchant solutions. Key product lines include: Digimi mobile banking app for retail customers; Digibiz for business clients; 14+ credit card variants across Visa, JCB, and NAPAS networks targeting different segments (lifestyle, women, Japan-focused, e-wallet linked); domestic and international debit cards; savings and investment products; loan products (home, auto, green, education, business); linked insurance products; trade finance; and merchant digital solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Digimi: Digital banking application for retail customers
• Digibiz
• Digistore

Products and services

• Digimi Retail Digital Banking

Quantifiable outcome

• Up to 9.6 million VND cashback per year on credit cards
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• VisacoreTechnology or IntegrationBVBank issues Visa-branded credit and debit cards including Visa Platinum, Visa inStyle, Visa Joy, Visa Lifestyle, and Visa Ms. Cards offer global acceptance and various reward programs including cashback, points accumulation, and merchant discounts.
• JCBcoreTechnology or IntegrationBVBank issues JCB-branded cards including JCB Cheer, JCB Sense, JCB Discovery, JCB 7-Eleven, JCB Link, and JCB Ms. JCB cards provide access to JCB lounge services and exclusive merchant partnerships.
• NAPAScoreTechnology or IntegrationBVBank issues NAPAS-branded cards including NAPAS shopON and NAPAS Link for domestic payment acceptance across Vietnam.
• AIA VietnammajorChannel Partner/ Reseller/ DistributorBVBank distributes linked life insurance products from AIA (American International Assurance) including savings-linked and protection insurance products through the bank branch network.
• AEON MallmajorGTM or Marketing PartnerJoint promotional campaigns offering AEON Mall shopping discounts, cashback, and exclusive gifts for BVBank credit cardholders. Includes limited edition promotional items like Conan merchandise.
• Vietcap SecuritiesminorStrategic or Co-development PartnerPartnership allowing BVBank customers to open securities trading accounts through the Digimi app. Promotional offers for new securities account openings.
• Various Installment PartnersminorChannel Partner/ Reseller/ DistributorBVBank has installment payment partnerships with retailers including electronics stores (The Gioi Di Dong, Dien May Xanh, FPT Shop, CellphoneS), fashion (Uniqlo), healthcare (Ivy Dental, Kymdan), fitness (California Fitness, CITIGYM), and travel (BenThanh Tourist, Vietravel). Minimum purchase of 1,000,000 VND for 0% installment.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TPBank (Tien Phong Bank): Vietnamese bank recognized for digital-first innovation and a mobile-led retail strategy. Highly comparable to BVBank's Digimi-led approach and consumer-facing differentiation.
• VPBank: Large Vietnamese private bank with significant retail and MSME lending exposure and a digital banking platform. Comparable in retail-banking emphasis and consumer credit orientation.
• MB Bank (Military Commercial Joint Stock Bank): Vietnamese joint-stock commercial bank with comparable scale, retail and corporate banking services, and an active digital banking roadmap. A natural like-for-like comparison.
• Techcombank: One of Vietnam's largest privately held joint-stock commercial banks, with a strong digital banking push (Techcombank Mobile) and similar mid-to-large retail and SME focus. Highly comparable to BVBank in product mix, digital strategy, and customer segments.
• Sacombank: Mid-to-large Vietnamese commercial bank with retail, SME, and card businesses at similar scale to BVBank. Comparable in product breadth and customer segmentation.
• Asia Commercial Bank (ACB): Mid-tier Vietnamese joint-stock commercial bank with established retail and SME lending franchises and a growing digital platform. Comparable to BVBank in scale, segment focus, and digital transformation trajectory.
• HDBank: Vietnamese joint-stock commercial bank of similar mid-tier scale with retail, SME, and consumer finance focus. Comparable in business mix and customer segments to BVBank.

Broad incumbents

• VietinBank: Major state-owned Vietnamese commercial bank with nationwide retail and corporate presence. Provides the large-scale incumbent benchmark for BVBank's competitive environment.
• BIDV: One of Vietnam's largest state-owned commercial banks with broad retail, corporate, and investment banking operations. Represents the broader incumbent competitive set BVBank operates within.
• Vietcombank (VCB): Vietnam's largest commercial bank and a state-linked incumbent with dominant corporate, retail, and FX franchises. Sets the competitive benchmark BVBank must measure against, though far larger in scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bvbankseo
• Facebookfacebook.com/nganhangbanviet
• LinkedInlinkedin.com/company/nganhangbanviet

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BVBank