The National ID Card with a chip, or CCCD, offers numerous benefits to its holders, one of which is the ability to withdraw cash. However, only a select few banks currently offer this service, including BIDV, VietinBank, Vietcombank, and VietCapital Bank.
Vietcombank, for instance, is piloting transactions using the CCCD chip-enabled app at two locations in Hanoi: 16 – 198 Tran Quang Khai, Hoan Kiem, and 72 Tran Hung Dao, Hoan Kiem. Meanwhile, VietinBank is testing CCCD withdrawals at its branch on 108 Tran Hung Dao, Hoan Kiem, Hanoi.
Illustration: Customers can withdraw cash from an ATM using their chip-enabled National ID Card. (Photo for illustration)
BIDV offers a similar service, allowing customers to use their CCCD chip cards for cash deposits, withdrawals, and transfers at select multi-function ATMs (CRMs) and self-service counters (Ezone) in Hanoi. These locations include 194 Tran Quang Khai (CRM), Golden Palm Tower – 21 Le Van Luong (CRM + Ezone), 263 Cau Giay (Ezone), Lot A12-LK1, plots 01 and 02, Urban Area New Le Trong Tan – GELEXIMCO (Ezone), 197 Quang Trung, Ha Dong (Ezone), 46 Cao Lo, Dong Anh (Ezone), and 137A Nguyen Van Cu, Long Bien (Ezone).
Viet Capital Bank has also introduced its automated banking system, Digimi+, which features cash deposits and withdrawals using the CCCD. The deposit amount can go up to VND 100 million per transaction, with no daily limit on the number of deposits.
How to Withdraw Cash from an ATM Using the Chip-Enabled National ID Card
To withdraw cash from an ATM using your CCCD with a chip, follow these simple steps:
– Select the withdrawal option: On the ATM screen, choose the ‘withdraw without card’ function, and then select ‘withdraw with CCCD.’
– Place the CCCD on the card reader: This allows the machine to read the information stored on the card. Ensure that you place the chip side into the card reader.
– Biometric face verification: The ATM will automatically verify your identity by comparing the biometric data on the CCCD chip with the information stored at the bank. This process usually takes around 6-8 seconds. Look directly at the camera during this step and then press “Continue” to proceed.
– Enter your PIN: After successful verification, enter the PIN associated with the account from which you wish to withdraw funds.
– Choose the amount: Select the amount you wish to withdraw. The ATM will dispense the cash and a receipt if requested. Once the transaction is complete, collect your CCCD and the withdrawn cash.
The Surprising Figure on the First Day of Biometric Authentication for Money Transfers
On the evening of July 1st, both customers and the bank reported a frantic rush to update biometric data.
A Glitch Affecting Multiple Customers on the First Day of Biometric Authentication for Money Transfers.
On the first day of the mandatory biometric authentication requirement for certain online banking transactions, many customers reported having to visit branches or experiencing issues with transferring money.
