NCB and Its Product Breakthrough After Five Years of Comprehensive Transformation

From pioneering digital banking solutions and advanced financial platforms for businesses, to distinctive card products and financial solutions integrated with a privilege ecosystem introduced to the market for the first time, National Citizen Commercial Joint Stock Bank (NCB) is demonstrating significant progress in solutions, products, and innovation capabilities on its journey of comprehensive transformation under its new Strategy.

Product innovation built on modern technology

NCB is bringing its comprehensive transformation journey to life through pioneering products, modern technology, and increasingly distinctive customer experiences.

In September 2024, NCB made a strong impression on the market by becoming the first bank to enable payment account opening through VNeID. With just a few simple steps, any citizen with a Level-2 verified VNeID account can easily open a bank account. People can also conveniently receive social security support payments directly into their NCB payment accounts without having to visit competent authorities. NCB’s innovation, application of modern technology, and customer-centric philosophy have delivered a highly convenient and secure banking experience for the community.

That pioneering spirit has continued to be reflected in a wide range of subsequent financial products and solutions. The NCB iziMobile app, positioned by NCB as a “bank in your pocket,” has been continuously upgraded to meet customers’ needs for security, speed, and efficiency. In addition to utilities such as bill payment, flight booking, and entertainment services, NCB iziMobile enables customers to open a credit card entirely online in just two minutes and make online purchases with the card immediately after approval on the app, delivering a seamless, convenient, and flexible experience for customers in the digital era.

In 2025, NCB launched the NCB Visa Tu Hao credit card line on two major national holidays. This was the first card product in the market to strongly embody Vietnamese culture, history, and national spirit, and was honored by the Asian Banking & Finance Retail Banking Awards 2026 with the “Credit Card Initiative of the Year” award.

NCB Visa Tu Hao – a credit card line deeply imbued with Vietnamese cultural identity, combining technology with distinctive cultural values

NCB has also undergone a “makeover” with solutions developed on advanced technology platforms that rank among the most superior in the market. The RLOS loan origination and credit approval system shortens loan approval time to just around five minutes, enabling customers to access funding quickly and conveniently. Meanwhile, the Corp360 supply chain finance platform is designed as a comprehensive connectivity space among businesses, the Bank, and partners across the value chain, integrating multiple features such as cash flow management, invoice digitization, digital signatures, guarantees, and online disbursement on a single unified platform, delivering businesses a convenient and fast “single-touchpoint” experience.

Technology has become the foundation of NCB’s product innovation strategy

With a vision of shifting from transactions to experiences and turning payments into a national competitive advantage in tourism, NCB has continuously developed solutions that contribute to the digitalization of Vietnam’s tourism industry. The VietQR Global solution, developed in cooperation with NAPAS, enables international visitors from South Korea, China, Thailand, Laos, and Cambodia to easily scan QR codes and make payments using their own domestic banking applications. Meanwhile, the payment solution currently provided by NCB for the Visit Viet Nam platform will enable customers to conveniently book services, make payments directly within the application, and enjoy a secure and seamless payment experience at acceptance points across Vietnam. This helps eliminate payment barriers for international visitors traveling to Vietnam.

From providing financial solutions to accompanying customers in creating a refined lifestyle

Pioneering innovation and creativity to deliver smart, distinctive, and superior financial solutions in the market, NCB has not only achieved breakthroughs in products and services, but has also made a clear shift in its product development philosophy from “providing solutions” to “creating value.”

In 2026, NCB partnered with its strategic partner Sun Group to launch an ecosystem of financial solutions featuring privileges never before available in the market. NCB and Sun Group customers can now enjoy a high-quality, premium, and distinctive lifestyle across every touchpoint of daily life: from finance to aviation, tourism and hospitality, entertainment, real estate, and premium healthcare.

NCB Visa Sun Signature co-branded card – the inaugural product in the financial solutions ecosystem

integrated with exclusive privileges from NCB and Sun Group

NCB Visa Sun Signature – the co-branded card line from NCB and Sun Group – is likened to a “passport” to a refined lifestyle, with payment acceptance at more than 175 million locations worldwide. Cardholders enjoy attractive financial privileges such as cashback of up to 25% within the first 30 days after card opening, an interest-free period of up to 55 days, 0% installments when purchasing Sun PhuQuoc Airways tickets, and a foreign currency conversion fee of just 1.1%, among others, together with the Sun Signature privilege ecosystem, ranging from “resort aviation” journeys with Sun PhuQuoc Airways and stays at internationally acclaimed hotels and resorts to premium golf courses, the Sun World park system across Vietnam’s three regions, and a wide range of priority benefits such as airport lounge access, priority check-in, and baggage services.

Each banking solution not only delivers financial value but also becomes a “key” to unlocking a refined lifestyle for customers

Most recently, NCB introduced NCB Signature Savings – the first deposit product in the market connected to the Sun Signature privilege ecosystem. Each savings deposit not only generates attractive returns, but also serves as a “key” that opens the door to a refined lifestyle rich in emotion and experiences.

Accordingly, Sun Signature members who open a new NCB Signature Savings account with a term of at least six months and a deposit amount of at least VND 100 million will be upgraded to Silver membership in the Sun Signature program. At the same time, they will earn Sun Points and can use these reward points to pay for premium services across Sun Group’s leading ecosystem. By simply accessing the NCB iziMobile app, customers can easily register as Sun Signature members, select the Signature Savings deposit product, track their Sun Points, and use the points for payment with ease.

NCB Signature Savings introduces an entirely new approach to wealth management

With continuous innovation and an international integration mindset, NCB is not only a successful example of comprehensive restructuring, but has also entered a new chapter of breakthrough growth, becoming a preferred bank and a trusted partner in creating sustainable value for the community and the nation.