NCB Offers International Payment Incentives for Enterprises at the Beginning of the Year

The National Citizen Commercial Joint Stock Bank (NCB) is rolling out the incentive program “Global Transfers – Deep Incentives,” delivering convenient international payment solutions with optimized costs, helping enterprises proactively manage cash flows and accelerate trade activities right from the start of the new year.

Addressing Cost Challenges in Enterprises’ International Payments

In the context of vibrant import–export activities and cross-border investment from the early months of the year, international payments are no longer merely a routine financial operation but have become an influential factor of particular concern to enterprises.

Ms. Thu Hang, who is in charge of finance at a garment company in Ho Chi Minh City, shared that at the beginning of the new year, her company continuously processes international remittance orders to pay for raw and auxiliary materials for partners in China and South Korea. During peak weeks, the enterprise generates more than 20 transactions, each ranging from USD 20,000 to USD 50,000.

“When all related fees are added up, the company has to spend several tens of millions of dong each month just on remittance fees,” Ms. Hang said.

The strong growth of trade flows has driven increasing demand for international payments, both in transaction frequency and value.

This is also the reality for many Vietnamese enterprises deeply participating in global supply chains. According to data from the General Department of Customs, Vietnam’s total import–export turnover in 2025 is estimated at approximately USD 920 billion – the highest level to date. The sharp increase in trade flows has led to growing demand for international payments in both frequency and transaction value.

Meanwhile, international remittance fees at banks currently commonly range from 0.15% to 0.3% of transaction value, excluding SWIFT charges and intermediary bank fees. For enterprises with frequent transactions, these costs can significantly erode profit margins and place pressure on cash flows. As a result, selecting a partner bank with reasonable fee policies, fast processing, and flexible services has become an increasing priority for enterprises.

Free, Fast, and Secure International Transfers with NCB

Accompanying enterprises in international payment activities, NCB is implementing the program “Global Transfers – Deep Incentives” with a range of practical preferential policies.

Specifically, NCB fully waives fees for receiving funds from abroad into enterprise accounts at NCB, including crediting fees – charges that often arise for exporting enterprises, overseas investors, or companies receiving capital from international partners. This incentive helps enterprises manage cash flows more proactively, enhance financial flexibility, and reduce input cost pressures.

NCB fully waives fees for receiving funds from abroad into enterprise accounts at NCB.

For enterprises conducting international remittances via NCB for the first time, the bank waives all fees related to outbound transfers, including transfer fees, OUR charges, and SWIFT fees. At the same time, customers will receive a premium business suitcase as a welcome gift marking the beginning of the partnership.

For existing corporate customers, NCB designs preferential fee packages based on total transaction value, enabling enterprises to optimize costs in line with their actual international payment scale.

For enterprises with total international remittance value below USD 200,000, NCB applies a flat fee of USD 40 per transaction for SHA charges or USD 50 per transaction for OUR charges. Meanwhile, enterprises with total transaction value of USD 200,000 or more enjoy preferential fees of USD 80 per SHA outbound transaction or USD 150 per OUR outbound transaction. Transaction-based fee calculation, independent of transfer amounts, helps enterprises easily control costs and proactively plan cash flows, especially for units with high international payment frequency.

Through the “Global Transfers – Deep Incentives” program, NCB expects to provide Vietnamese enterprises with effective financial tools to confidently expand operations into international markets. At the same time, this reflects NCB’s commitment to long-term partnership in building a transparent, flexible, and sustainable payment platform, helping enterprises enhance their competitive position in the era of global trade.

For further information, customers may refer to the NCB website at https://www.ncb-bank.vn, contact NCB transaction offices/branches nationwide, or call the Hotline: (028) 38 216 216 - 1800 6166.