The Vietnamese government has issued Decree No. 340/2025, which outlines penalties for administrative violations in the monetary and banking sectors. This decree takes effect on February 9, 2026.
It details administrative violations, penalties, remedial measures, and enforcement procedures within the monetary and banking fields, including the authority to impose penalties and issue violation notices.
Individuals buying or selling gold bars with unlicensed organizations face fines up to 20 million VND.
For violations related to gold trading, the decree imposes a warning for buying or selling gold bars with unauthorized credit institutions or businesses, or using gold as a means of payment.
Repeat offenders face fines of 10-20 million VND. This penalty also applies to failing to settle gold transactions through designated bank accounts as required by law.
Fines of 30-50 million VND are levied for failing to publicly display gold prices, producing gold jewelry without proper labeling, or manufacturing gold bars without meeting legal standards.
Carrying gold across borders in violation of regulations (excluding customs violations) incurs fines of 80-100 million VND.
Penalties of 140-180 million VND apply to unauthorized gold trading through agents, non-compliance with gold status regulations, or illegal import/export of gold jewelry or raw materials.
The same penalties apply to producing or trading gold jewelry without proper licensing, or engaging in unregistered gold jewelry processing.
Fines of 200-250 million VND are imposed for misusing imported gold or repeat offenses of unauthorized gold trading through agents.
Illegal gold bar production carries fines of 250-300 million VND.
Penalties of 300-400 million VND are applied for unlicensed gold bar trading, unauthorized gold imports/exports, or engaging in unlicensed gold-related activities.
Illegal Foreign Currency Trading Fines Up to 100 Million VND
Warnings are issued for individual foreign currency exchanges under $1,000. Fines increase with transaction value: $1,000-$10,000 (10-20 million VND), $10,000-$100,000 (20-30 million VND), and over $100,000 (80-100 million VND).
Violations of capital contribution rules incur fines of 100-150 million VND for using unauthorized funds.
Penalties of 200-250 million VND apply to unauthorized shareholdings in credit institutions or illegal capital contributions.
Fines of 250-300 million VND are imposed for violations of credit institution shareholding limits or capital contribution regulations.
Heavy Penalties for Corporate Bond Trading Violations
Fines of 15-30 million VND are levied for failing to monitor bond proceeds. Non-cash payment violations incur 30-50 million VND fines.
Penalties of 100-150 million VND apply to improper bond evaluations or purchases violating debt restructuring or capital use rules.
The decree doubles fines for organizations compared to individuals for equivalent violations.
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