Smart Payments for the Digital Era with the NCB iziMobile “Bank in Your Pocket”

Amid the accelerating wave of digitalization, automated, seamless and convenient financial management is becoming increasingly popular, especially among consumers who value digital experiences and modern payment solutions.

Generation 4.0 Consumers Embrace Cashless Payments

Over the past few years, cashless payments have witnessed strong growth in Vietnam. According to data from the State Bank of Vietnam, the total value of cashless transactions in 2025 was approximately 28 times the country’s GDP. In the first three months of 2026 alone, the number of cashless transactions continued to increase by 37.98%, while transaction value rose by 14.22% year-on-year. Notably, Internet-based transactions grew by 65.68% in volume and 28.85% in value, reflecting significant changes in digital consumption habits.

Consumers are increasingly embracing cashless payment methods such as e-banking transfers, QR code payments and credit cards

In line with this trend, automatic bill payment has gradually become part of the modern lifestyle thanks to its convenience and automation capabilities. Instead of having to remember every payment due date or perform multiple transactions each month, users only need to register once for the system to automatically deduct funds from their bank account or e-wallet to settle recurring expenses such as electricity, water, Internet services, tuition fees or telephone bills. This solution not only saves time but also minimizes the risk of missed payments that could disrupt services.

Activate Automatic Bill Payments on NCB iziMobile and Enjoy Convenience with 50% Cashback

In support of the Government’s cashless payment initiative and to help customers manage their finances proactively and intelligently, National Citizen Commercial Joint Stock Bank (NCB) is introducing attractive incentives for customers making bill payments via the NCB iziMobile digital banking application.

Accordingly, from now until December 31, 2026, customers making their first bill payment or activating the automatic bill payment feature for the first time on NCB iziMobile digital banking will receive immediate cashback equivalent to 50% of the transaction value (up to VND 50,000). The program applies to essential services such as electricity, water, fixed-line telephones, postpaid mobile services, Internet and cable television, offering customers a convenient, cost-effective and seamless payment experience on a digital platform.

The registration process is designed to be simple and intuitive on the application. Customers only need to log in to the NCB iziMobile app, select “Automatic Bill Management,” choose “Register New Automatic Payment,” select the desired service such as electricity, water or Internet, enter the required information and authenticate the transaction to complete the registration. Once successfully registered, the system will automatically settle bills on time every month, allowing customers to enjoy uninterrupted services without having to worry about bill payments.

NCB also offers incentives for loyal customers who maintain their digital transaction habits. Accordingly, customers who register for automatic bill payments and maintain an average account balance of at least VND 1 million during the preceding month will receive cashback equal to 50% of the bill value, up to VND 100,000 per month.

Customers can receive cashback of up to VND 150,000 by participating in both promotional programs offered by NCB

NCB iziMobile – A “Bank in Your Pocket” for Modern Living

In addition to the automatic bill payment feature, the NCB iziMobile “bank in your pocket” is increasingly winning users over with a wide range of convenient digital capabilities, including free fund transfers, preferential interest rates on savings deposits, QR code payments and automatic yield generation.

In particular, the feature that enables customers to open a credit card online in just minutes and receive a virtual card almost immediately for spending purposes provides a seamless and convenient financial experience that is highly appreciated by NCB iziMobile users.

The instant card issuance feature on NCB iziMobile is highly favored by users

Alongside continuously enhancing the digital experience, NCB has also been launching a variety of promotional programs on NCB iziMobile to increase benefits for users. Typical examples include an instant 20% discount on ticket prices for customers purchasing tickets for the DIFF 2026 Danang International Fireworks Festival via the application until July 11, as well as the “Refer a Friend” program, which offers rewards of up to VND 450,000 for each successful referral.

In the coming period, the bank stated that it will continue to invest heavily in the NCB iziMobile digital platform with a focus on personalized experiences, operational automation and customer journey digitization, thereby enabling users to access financial services more quickly, conveniently and seamlessly.

For more information about products, services and the latest promotions, customers may visit NCB’s website at https://www.ncb-bank.vn, contact NCB transaction offices and branches nationwide, or call the Hotline at (028) 38 216 216 - 1800 6166.